Simplifying mortgage terms to help you make informed decisions.
Important Notice
Following the Bank of England Base Rate changes, we’ve made some amendments that will affect some of our members.
Click here to read more.
Click here to read more.
Helping You Move Onwards & Upwards
At The Stafford Building Society, we understand that finding the right mortgage is a crucial step towards achieving your dream of owning your ideal property. With our extensive range of mortgage products and our commitment to exceptional customer service, we are here to guide you through the process and help you make informed decisions.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
More than Mortgages
Whether you’re planning to buy your first home, invest in a buy-to-let property or need a remortgage, our team of qualified mortgage advisors are here to help you through the process. We’re real people, so we understand that scouring through mortgages can be stressful and that choosing the right mortgage for you is important. Armed with a cuppa, a selection of biscuits and our extensive range of mortgage products, we’ll guide you through this exciting time — whether you’re planning to rearrange your finances, make home improvements, or pick up your first set of keys.
Our mortgage affordability calculator is a quick and easy way to find out how much you could borrow straight away. By entering a few details about your income and expenses, you’ll get an estimate tailored to you. It’s a helpful first step in planning your mortgage journey and exploring the options available to you.
But don’t worry—if the calculator’s numbers don’t quite match your situation, get in touch with us. Our advisors will see how we can still help through our manual underwriting process.
With The Stafford, you can expect:
Our Rates
By offering an extensive range of mortgages with competitive interest rates, we’ll ensure you get the best value mortgage.
Flexible Approach
When you take out a mortgage with us, you can choose a repayment period that works best for you. Giving you the flexibility you need to suit your financial situation.
Personalised Service
You’ll always be more than just a member. With The Stafford Building Society, it’s personal. You’ll always deal with the same person throughout your mortgage application. So your friendly, knowledgeable mortgage advisor will get to know you and your situation well and can give you the personalised guidance you need.
Manual Underwriting
You’re a real person, not a robot. So, unlike many that use a computer-based system, at The Stafford Building Society, we’ll judge your mortgage application on its own merit through a manual underwriting process.
Local Expertise
As your local building society, we know the Staffordshire area and housing market well. With this specialist knowledge, we’ll give you the tailored advice you need.
Trust & Reliability
You can trust us to provide you with a reliable, transparent mortgage solution. After all, we’ve been helping people to buy homes for over 145 years.
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.
Table View
Tab View
Scroll Table
| Product Name | Product Code | Initial Rate | Maximum Loan to Value | Overall Cost for Comparison (APRC) | Early Repayment Charge |
|---|---|---|---|---|---|
| Residential | |||||
| Residential 0.46% Discounted Variable Rate | DR53 | 5.74% | 80% | 6.3% | Yes |
| Residential 0.65% Discounted Variable Rate | DR56 | 5.55% | 80% | 6.3% | Yes |
| Residential 0.21% Discounted Variable Rate (Refurbishment) | DR57 | 5.99% | 80% | 6.4% | Yes |
| Residential Mixed-Use Discounted Variable Rate | DR58 | 6.19% | 80% | 6.5% | Yes |
| Early Repayment Charge Free | |||||
| 90% LTV – Variable (Not available for short term borrowing) | RSVR | 6.20% | 90% | 6.4% | No |
| Joint Borrower Sole Proprietor | |||||
| Joint Borrower Sole Proprietor (JBSP) | DR55 | 5.65% | 90% | 5.8% | Yes |
| Shared Ownership | |||||
| Shared Ownership for Term | DR54 | 5.65% | 90% of share | 5.9% | Yes |
| Buy to Let & Holiday Buy to Let | |||||
| 70% LTV – Buy-To-Let Discounted Variable | BL04 | 5.65% | 70% | 7.7% | Yes |
| ExPat 70% LTV – Discounted Variable | BL05 | 6.20% | 70% | 7.9% | Yes |
| 70% LTV – Holiday Buy-To-Let Discounted Variable | HB04 | 5.65% | 70% | 7.7% | Yes |
| 3.50% ExPat BTL Discounted Variable | BL06 | 3.50% | 70% | 7.9% | Yes |
-
Residential
Residential 0.46% Discounted Variable Rate
Code: DR53-
Initial Rate
5.74%
-
Term
2 years
-
Standard Variable Rate
6.20%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
6.3% 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.
-
-
Residential
Residential 0.65% Discounted Variable Rate
Code: DR56-
Initial Rate
5.55%
-
Term
2 years
-
Standard Variable Rate
6.20%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
6.3% 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.
-
-
Residential
Residential 0.21% Discounted Variable Rate (Refurbishment)
Code: DR57-
Initial Rate
5.99%
-
Term
2 years
-
Standard Variable Rate
6.20%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
6.4% 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.
-
-
Residential
Residential Mixed-Use Discounted Variable Rate
Code: DR58-
Initial Rate
6.19%
-
Term
2 years
-
Standard Variable Rate
6.20%
-
Maximum Loan to Value
80%
-
Overall Cost for Comparison
6.5% 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.
-
-
Early Repayment Charge Free
90% LTV – Variable (Not available for short term borrowing)
Code: RSVR-
Initial Rate
6.20%
-
Term
Term
-
Maximum Loan to Value
90%
-
Overall Cost for Comparison
6.4% APRC
Fees & Charges
-
Application Fee
£0
-
Arrangement Fee
None
-
-
Joint Borrower Sole Proprietor
Joint Borrower Sole Proprietor (JBSP)
Code: DR55-
Initial Rate
5.65%
-
Term
Term
-
Standard Variable Rate
6.20%
-
Maximum Loan to Value
90%
-
Overall Cost for Comparison
5.8% 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.
-
-
Shared Ownership
Shared Ownership for Term
Code: DR54-
Initial Rate
5.65%
-
Term
Term
-
Standard Variable Rate
6.20%
-
Maximum Loan to Value
90% of share
-
Overall Cost for Comparison
5.9% 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.
-
-
Buy to Let & Holiday Buy to Let
70% LTV – Buy-To-Let Discounted Variable
Code: BL04-
Initial Rate
5.65%
-
Term
2 years
-
Standard Variable Rate
8.00%
-
Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.7% 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.
-
-
Buy to Let & Holiday Buy to Let
ExPat 70% LTV – Discounted Variable
Code: BL05-
Initial Rate
6.20%
-
Term
2 years
-
Standard Variable Rate
8.00%
-
Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.9% 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.
-
-
Buy to Let & Holiday Buy to Let
70% LTV – Holiday Buy-To-Let Discounted Variable
Code: HB04-
Initial Rate
5.65%
-
Term
2 years
-
Standard Variable Rate
8.00%
-
Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.7% 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.
-
-
Buy to Let & Holiday Buy to Let
3.50% ExPat BTL Discounted Variable
Code: BL06-
Initial Rate
3.50%
-
Term
2 years
-
Standard Variable Rate
8.00%
-
Maximum Loan to Value
70%
-
Overall Cost for Comparison
7.9% 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.
-
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.
