Important Notice

PLEASE NOTE: Due to the recent change in the Bank of England base rate from 4.75% to 4.50%, we will be adjusting our interest rates.
Click here to find out exactly how this will affect you.

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 Mortgage 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.  

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.

Mortgage Affordability Calculator

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.

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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 5.29% 80% 5.80% Yes
Residential 0.65% Discounted Variable Rate DR56 5.10% 80% 5.80% Yes
Residential 0.21% Discounted Variable Rate (Refurbishment) DR57 5.54% 80% 5.90% Yes
Residential Mixed-Use Discounted Variable Rate DR58 5.74% 80% 6.00% Yes
Early Repayment Charge Free
90% LTV – Variable (Not available for short term borrowing) RSVR 5.75% 90% 6.00% No
Joint Borrower Sole Proprietor
Joint Borrower Sole Proprietor (JBSP) DR55 5.20% 90% 5.40% Yes
Shared Ownership
Shared Ownership for Term DR54 5.20% 90% of share 5.40% Yes
Buy to Let
70% LTV – Buy-To-Let Discounted Variable BL04 5.45% 70% 7.50% Yes
ExPat 70% LTV – Discounted Variable BL05 6.00% 70% 7.70% Yes
ExPat BTL 4.50% Discounted Variable BL06 3.30% 70% 7.70% Yes
Holiday Buy to Let
ExPat 70% LTV – Discounted Variable BL05 6.00% 70% 7.70% Yes
70% LTV – Holiday Buy-To-Let Discounted Variable HB04 5.45% 70% 7.50% Yes
ExPat BTL 4.50% Discounted Variable BL06 3.30% 70% 7.70% Yes
Loyalty Mortgages
Loyalty BTL 2 Year 2.35% Discounted Variable Rate – 70% LTV RT10 5.45% 70% 7.50% Yes
Loyalty 2 Year 0.36% Discounted Variable Rate – 90% LTV RT09 5.39% 90% 5.80% Yes
Loyalty 3 Year 0.50% Discounted Variable Rate – 90% LTV RT07 5.25% 90% 5.70% Yes
Loyalty 3 Year 1.20% Discounted Variable Rate – 80% LTV RT11 4.55% 80% 5.50% Yes
Loyalty 2 Year 1.06% Discounted Variable Rate – 80% LTV RT12 4.69% 80% 5.70% Yes
  • Residential

    Residential 0.46% Discounted Variable Rate

    Code: DR53

    • Initial Rate

      5.29%

    • 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

      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.

    View Product Details Arrange a Callback
  • 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

    • 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.

    View Product Details Arrange a Callback
  • Residential

    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.

    View Product Details Arrange a Callback
  • Residential

    Residential Mixed-Use Discounted Variable Rate

    Code: DR58

    • Initial Rate

      5.74%

    • Term

      2 years

    • Standard Variable Rate

      5.75%

    • 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.

    View Product Details Arrange a Callback
  • Early Repayment Charge Free

    90% LTV – Variable (Not available for short term borrowing)

    Code: RSVR

    • Initial Rate

      5.75%

    • Term

      Term

    • Maximum Loan to Value

      90%

    • Overall Cost for Comparison

      6.00% APRC

    Fees & Charges

    • Application Fee

      £0

    • Arrangement Fee

      None

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • Buy to Let

    70% LTV – Buy-To-Let Discounted Variable

    Code: BL04

    • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • Loyalty Mortgages

    Loyalty BTL 2 Year 2.35% Discounted Variable Rate – 70% LTV

    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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback
  • 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.

    View Product Details Arrange a Callback

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.