Simplifying mortgage terms to help you make informed decisions.
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Your Mortgage, Your Future - With The Stafford Building Society
At The Stafford Building Society, we know that choosing the right mortgage is one of the biggest financial decisions you’ll make, whether you’re applying for your first time buyer mortgage, exploring a joint ownership mortgage, or looking for competitive mortgages in Staffordshire.
Our team is here to simplify the process, offering straightforward guidance, flexible options, and a range of mortgages tailored to your needs. From discounted variable rates to manual underwriting support, we combine personalised service with local insight to help you take the next confident step on your property journey.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Looking for the Right Mortgage? Let’s Make It Simple
Whether you’re buying your first home, exploring joint borrower mortgages with family or a partner, or seeking a 70% LTV remortgage to release equity or reduce monthly repayments, our qualified mortgage team are here to support you every step of the way. We know that finding the right mortgage can be overwhelming, especially when weighing up options like discounted variable mortgages. That’s why we make things simple and personal.
Armed with a cuppa, a selection of biscuits, and an extensive range of tailored mortgage products, we’ll help you navigate The Stafford’s options, whether you’re planning to buy-to-let property, restructure your mortgage, or finally pick up the keys to your first home.

Start with Our Mortgage Affordability Calculator
Our quick and easy mortgage affordability calculator gives you an instant estimate of how much you could potentially borrow, based on a few simple details about your income and outgoings. It’s the ideal starting point for anyone comparing joint applications, variable-rate products, or planning for a remortgage at 70% loan-to-value.
Prefer a Personal Touch? We Offer That Too
If the calculator’s results don’t reflect your circumstances, perhaps due to complex income or a joint borrower arrangement, our manual underwriting process could still make things work for you. Just get in touch and our friendly team will be happy to help.
Why Choose a Mortgage from The Stafford Building Society?
Competitive Mortgage Rates
We offer a wide range of mortgage products with competitive interest rates to help you find great value, whether you’re a first-time buyer, or applying as a joint borrower. Our focus is on delivering mortgages that are affordable, fair, and tailored to your needs.
Flexible Repayment Options
Every mortgage journey is different. That’s why we offer flexible repayment terms to suit your budget and lifestyle. Whether you’re planning for the long term or want to repay early, we’ll help structure a solution that could fit your finances.
Personalised Mortgage Help
With The Stafford Building Society, you’re never just another application. You’ll be supported by the same dedicated and local mortgage consultant from start to finish. This personal approach means we get to know your circumstances and can offer tailored, informed assistance, especially useful for joint ownership mortgage applications or complex financial situations.
Human-Led, Manual Underwriting
We understand that not everyone fits into a standard credit model. That’s why we manually assess every application, looking at your individual circumstances rather than relying on automated decision-making. It’s a more human, considerate way to approve and arrange your mortgage.
Deep Local Knowledge
As a proud part of the Staffordshire community, we understand the local property market inside and out. Our local expertise means we can provide grounded, practical mortgage advice, especially for buyers looking for first-time mortgages in Staffordshire or relocating within the region.
Trusted for Over 145 Years
Homebuyers have relied on The Stafford Building Society for over a century. Our long-standing commitment to transparency, trust, and mutual support means you can feel confident in every step of your mortgage journey.
Our Mortgage Options
Take the first step towards securing your dream home or remortgage into a new deal by exploring our range of mortgage products and getting in touch with our team today. We look forward to assisting you on your journey to homeownership with The Stafford Mortgages.
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Residential
Residential 0.46% Discounted Variable Rate
Code: DR53-
Initial Rate
5.29%
-
Term
2 years
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Standard Variable Rate
5.75%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
5.80% APRC
Fees & Charges
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Application Fee
£100
-
Arrangement Fee
None
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Early Repayment Charges
Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first two years.
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Residential
Residential 0.65% Discounted Variable Rate
Code: DR56-
Initial Rate
5.10%
-
Term
2 years
-
Standard Variable Rate
5.75%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
5.80% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
£500
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Early Repayment Charges
Apply if more than 10% of the outstanding balances is repaid each year: 2% of repaid amount for the first 2 years.
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Residential
Residential 0.16% Discounted Variable Rate
Code: DR59-
Initial Rate
5.59%
-
Term
2 years
-
Standard Variable Rate
5.75%
-
Maximum Loan to Value
90%
-
Overall Cost for Comparison
5.90% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
None
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Early Repayment Charges
Apply if more than 10% of the outstanding balances is repaid each year: 2% of repaid amount for the first 2 years.
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Refurbishment
Residential 0.21% Discounted Variable Rate (Refurbishment)
Code: DR57-
Initial Rate
5.54%
-
Term
2 years
-
Standard Variable Rate
5.75%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
5.90% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
£500
-
Early Repayment Charges
Apply if more than 10% of the outstanding balances is repaid each year: 2% of repaid amount for the first 2 years.
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Mixed Use
Residential Mixed-Use Discounted Variable Rate
Code: DR58-
Initial Rate
5.74%
-
Term
2 years
-
Standard Variable Rate
5.75%
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Maximum Loan to Value
80%
-
Overall Cost for Comparison
6.00% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
None
-
Early Repayment Charges
Apply if more than 10% of the outstanding balances is repaid each year: 2% of repaid amount for the first 2 years.
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Joint Borrower Sole Proprietor
Joint Borrower Sole Proprietor (JBSP)
Code: DR55-
Initial Rate
5.20%
-
Term
Term
-
Standard Variable Rate
5.75%
-
Maximum Loan to Value
90%
-
Overall Cost for Comparison
5.40% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
None
-
Early Repayment Charges
Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first two years.
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Shared Ownership
Shared Ownership for Term
Code: DR54-
Initial Rate
5.20%
-
Term
Term
-
Standard Variable Rate
5.75%
-
Maximum Loan to Value
90% of share
-
Overall Cost for Comparison
5.40% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
None
-
Early Repayment Charges
Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first 2 years.
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Buy to Let
70% LTV – Buy-To-Let Discounted Variable
Code: BL04-
Initial Rate
5.45%
-
Term
2 years
-
Standard Variable Rate
7.80%
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Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.50% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
None
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Early Repayment Charges
Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.
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Buy to Let
ExPat 70% LTV – Discounted Variable
Code: BL05-
Initial Rate
6.00%
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Term
2 years
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Standard Variable Rate
7.80%
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Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.70% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
£500
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Early Repayment Charges
Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.
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Buy to Let
ExPat BTL 4.50% Discounted Variable
Code: BL06-
Initial Rate
3.30%
-
Term
2 years
-
Standard Variable Rate
7.80%
-
Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.70% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
5% of the advance (can be added but not above 70% LTV) Val fee payable by customer.
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Early Repayment Charges
Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.
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Holiday Buy to Let
ExPat 70% LTV – Discounted Variable
Code: BL05-
Initial Rate
6.00%
-
Term
2 years
-
Standard Variable Rate
7.80%
-
Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.70% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
£500
-
Early Repayment Charges
Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.
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Holiday Buy to Let
70% LTV – Holiday Buy-To-Let Discounted Variable
Code: HB04-
Initial Rate
5.45%
-
Term
2 years
-
Standard Variable Rate
7.80%
-
Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.50% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
None
-
Early Repayment Charges
Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.
-
-
Holiday Buy to Let
ExPat BTL 4.50% Discounted Variable
Code: BL06-
Initial Rate
3.30%
-
Term
2 years
-
Standard Variable Rate
7.80%
-
Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.70% APRC
Fees & Charges
-
Application Fee
£100
-
Arrangement Fee
5% of the advance (can be added but not above 70% LTV) Val fee payable by customer.
-
Early Repayment Charges
Apply if more than 10% of the outstanding balances is repaid each year: 3% of repaid amount for the first 2 years.
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Loyalty Mortgages
Loyalty BTL/HL/Expat 2 Year 2.35% Discounted Variable Rate
Code: RT10-
Initial Rate
5.45%
-
Term
2 years
-
Standard Variable Rate
7.80%
-
Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.50% APRC
Fees & Charges
-
Application Fee
£0
-
Arrangement Fee
None
-
Early Repayment Charges
Apply if more than 10% of the outstanding balance is repaid each year. 3% of repaid amount for the first two years.
-
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Loyalty Mortgages
Loyalty 2 Year 0.36% Discounted Variable Rate – 90% LTV
Code: RT09-
Initial Rate
5.39%
-
Term
2 years
-
Standard Variable Rate
5.75%
-
Maximum Loan to Value
90%
-
Overall Cost for Comparison
5.80% APRC
Fees & Charges
-
Application Fee
£0
-
Arrangement Fee
None
-
Early Repayment Charges
Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first two years.
-
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Loyalty Mortgages
Loyalty 3 Year 0.50% Discounted Variable Rate – 90% LTV
Code: RT07-
Initial Rate
5.25%
-
Term
3 years
-
Standard Variable Rate
5.75%
-
Maximum Loan to Value
90%
-
Overall Cost for Comparison
5.70% APRC
Fees & Charges
-
Application Fee
£0
-
Arrangement Fee
None
-
Early Repayment Charges
Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first three years.
-
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Loyalty Mortgages
Loyalty 3 Year 1.20% Discounted Variable Rate – 80% LTV
Code: RT11-
Initial Rate
4.55%
-
Term
3 years
-
Standard Variable Rate
5.75%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
5.50% APRC
Fees & Charges
-
Application Fee
£0
-
Arrangement Fee
None
-
Early Repayment Charges
Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first three years.
-
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Loyalty Mortgages
Loyalty 2 Year 1.06% Discounted Variable Rate – 80% LTV
Code: RT12-
Initial Rate
4.69%
-
Term
2 years
-
Standard Variable Rate
5.75%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
5.70% APRC
Fees & Charges
-
Application Fee
£0
-
Arrangement Fee
None
-
Early Repayment Charges
Apply if more than 10% of the outstanding balance is repaid each year. 2% of repaid amount for the first two years.
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Compare our Mortgage Products
Use our easy to use Mortgage Comparison Table to compare the different mortgage products we have available.
Helpful Resources
Mortgage Valuation Fees
Understand the cost of assessing your property’s value for mortgage approval.

Tariff of Mortgage Charges
A transparent list of fees and charges you may encounter during your mortgage journey.

Mortgage FAQs
Clarifying your mortgage queries with straightforward answers and guidance.
