
Our Mortgages
Our discounted mortgage range is available up to 90% Loan to Value. We can help if you're a First Time Buyer, moving home, looking to remortgage or wanting to raise capital when you remortgage.
We also have mortgages available for Buy to let, Holiday and Expat Buy to let, our specialist Mixed Use mortgage helps if you have another property on your residential title.
Residential
Mortgage Type |
Initial Rate |
Term | Standard Variable Rate |
Maximum Loan to Value |
Overall Cost for Comparison (APRC) |
Application Fee |
Arrangement Fee |
Early Repayment Charge |
|
---|---|---|---|---|---|---|---|---|---|
80% LTV - Discounted Variable - Track 1 | 5.74% | 2 years | 6.20% | 80% | 6.3% APRC | £100 | None | Yes | |
Key Features
A mortgage of £220,000 payable over 20 years initially on a discounted variable rate of 5.74% for 2 years and then on our Standard Variable Rate (SVR) currently 6.20% (variable) for the remaining 18 years would require 24 monthly payments of £1,543.33 followed by 216 monthly payments of £1,596.96. The total amount payable would be £382,683.28 made up of the loan amount plus interest (£162,683.28) a valuation fee of £425, a funds transfer fee of £30, estimated solicitor’s fees of £145, application fee of £100. The overall cost for comparison is 6.3% APRC representative. |
Early Repayment Charge Free
Mortgage Type |
Initial Rate |
Term | Standard Variable Rate |
Maximum Loan to Value |
Overall Cost for Comparison (APRC) |
Application Fee |
Arrangement Fee |
Early Repayment Charge |
|
---|---|---|---|---|---|---|---|---|---|
90% LTV - Variable | 6.20% | Term | 90% | 6.4% APRC | £0 | £0 | No | ||
Key Features
|
Joint Borrower Sole Proprietor
Shared Ownership
Buy to Let & Holiday Buy to Let
Mortgage Type |
Initial Rate |
Term | Standard Variable Rate |
Maximum Loan to Value |
Overall Cost for Comparison (APRC) |
Application Fee |
Arrangement Fee |
Early Repayment Charge |
|
---|---|---|---|---|---|---|---|---|---|
70% LTV - Discounted Variable - Buy-to-Let / Holiday Buy-to-Let | 5.65% | 2 years | 8.00% | 70% | 7.7% APRC | £100 | None | Yes | |
Key Features
|
Self-build and renovation
Stafford Railway Building Society offers self-build mortgages exclusively through Buildstore Mortgage Services. We offer self-build mortgages on the following criteria:
- Purchase of land and build of a new property
- Renovation of an existing property
- Converting an existing structure for residential purposes
We can lend up to a maximum of £600,000 at 85% LTV to purchase land/property and up to 85% of cost of each stage during the build subject to valuation.
Funds will be released on an arrears stage payment basis.
The final mortgage
value must be 75% LTV.
Contact information
For more information you can contact Buildstore directly on 0345 223 4888 and you can find further details by clicking here
Other general mortgage information