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.

View our support options

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.  

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.

  • Residential

    Residential 0.46% Discounted Variable Rate

    Code: DR48
    • 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. 3% of repaid amount for the first two years.

  • Residential

    Residential 0.65% Discounted Variable Rate

    Code: DR51
    • 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: 3% of repaid amount for the first 2 years.

  • Residential

    Residential 0.21% Discounted Variable Rate (Refurbishment)

    Code: DR52
    • 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: 3% of repaid amount for the first 2 years.

  • Early Repayment Charge Free

    90% LTV – Variable

    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: DR50
    • 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. 3% of repaid amount for the first two years.

  • Shared Ownership

    Shared Ownership for Term

    Code: DR49
    • Initial Rate

      5.65%

    • Term

      Term

    • Standard Variable Rate

      6.20%

    • Maximum Loan to Value

      90% of share

    • 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 in Year 1 1% of repaid amount in Year 2

  • Buy to Let & Holiday Buy to Let

    70% LTV – BTL 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

    70% LTV – HBTL 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.

Compare our Mortgage Products

Use our easy to use Mortgage Comparison Table to compare the different mortgage products we have available.

Compare Mortgages

Helpful Resources

Mortgage Jargon Buster

Simplifying mortgage terms to help you make informed decisions.

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.