Mortgage houses

Mixed Use

We understand not all borrowers are the same, we don't all fit into boxes. From first time buyers, those with complex incomes, borrowers nearing or are already retired, we’ll help find the mortgage that's right for you.

With flexible, manual underwriting we can take a view on your individual circumstances and often find a way to help support making your dreams come true.

Mortgage
Type		 Initial
Rate		 Term Standard
Variable
Rate		 Maximum
Loan
to Value		 Overall Cost
for Comparison
(APRC)		 Application
Fee		 Arrangement
Fee		 Early
Repayment
Charge
75% LTV - Discounted Variable Mortgage 2.75% (Variable) 3 years 3.45% (Variable) 75% 3.40% APRC £99 0.5% Yes

Key Features

  • Available for remortgages, purchases or capital raising
  • 0.70% discount off Stafford Railway’s Standard Variable Rate (SVR) currently 3.45% for 3 years giving a current variable rate of 2.75%, followed by the Society’s SVR applicable at the time for the rest of the term
  • The overall cost for comparison is 3.40% APRC
  • £99 application fee (non-refundable)
  • 0.5% arrangement fee. Borrower is eligible to pay on first draw down in full.
  • Valuation fees apply
  • 10% of the outstanding balance each year can be overpaid without penalty
  • Interest calculated daily
  • Representative Example (Effective from 17 September 2019) 
    A mortgage of £100,000 payable over 17 years initially on a discounted variable rate of 2.75% for 3 years and then on our Standard Variable Rate (SVR) currently 3.45% (variable) for the remaining 14 years would require 36 monthly payments of £614.23 followed by 180 monthly payments of £642.91. The total amount payable would be £131,115.16 made up of the loan amount plus interest (£31,115.16), a valuation fee of £225, a booking fee of £99, a funds transfer fee of £25, estimated solicitors fees of £145 and an arrangement fee of £500. The overall cost for comparison is 3.4% APRC representative.
Product Detail
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Successfully making mortgage dreams happen since 1877.

Other general mortgage information