Residential Mortgages

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.

We're here to help with

Lending into retirement

Are you looking for a mortgage that goes beyond your state retirement age?

Lending in retirement

Already in receipt of pension income and looking for a mortgage up to age 85?

Four applicants

Do you need a mortgage that considers more than just 2 applicants?

Repat Expat

Returning to the UK and looking to purchase a property but have a limited credit profile?

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	1.99% (Variable)	2 years	2.95% (Variable)	75%	2.90% APRC	None	0.50% (Min. £500)	Yes
Key Features Available for house purchases, moving home, remortgages and capital raising 0.96% discount off Stafford Railway’s Standard Variable Rate (SVR) for two years giving a current variable rate of 1.99%, followed by our SVR for the rest of the term (currently 2.95% variable). The overall cost for comparison is 2.90% APRC An arrangement fee of 0.50% (Minimum of £500) applies Valuation fees apply 10% of the outstanding balance each year can be overpaid without penalty Interest calculated daily Representative Example A mortgage of £190,000 payable over 20 years initially on a discounted variable rate of 1.99% for 2 years and then on our Standard Variable Rate (SVR) currently 2.95% (variable) for the remaining 18 years would require 24 monthly payments of £960.28 followed by 216 monthly payments of £1,040.53 The total amount payable would be £249,276.20 made up of the loan amount plus interest (£59,276.20), a valuation fee of £355, a funds transfer fee of £25, estimated solicitors fees of £145 and an arrangement fee of £950. The overall cost for comparison is 2.90% APRC representative. Product Detail Arrange a call back Call 01785 223212
75% LTV - Bespoke - Discounted Variable Mortgage	2.49% (Variable)	2 years	2.95% (Variable)	75%	3.00% APRC	None	0.50% (Min. £500)	Yes
Key Features Available for house purchases, moving home, remortgages and capital raising 0.46% discount off Stafford Railway’s Standard Variable Rate (SVR) for two years giving a current variable rate of 2.49%, followed by our SVR for the rest of the term (currently 2.95% variable). The overall cost for comparison is 3.00% APRC An arrangement fee of 0.50% (Minimum of £500) applies Valuation fees apply 10% of the outstanding balance each year can be overpaid without penalty Interest calculated daily Representative Example A mortgage of £190,000 payable over 20 years initially on a discounted variable rate of 2.49% for 2 years and then on our Standard Variable Rate (SVR) currently 2.95% (variable) for the remaining 18 years would require 24 monthly payments of £1,005.89 followed by 216 monthly payments of £1,045.00 The total amount payable would be £251,336.36 made up of the loan amount plus interest (£61,336.36), a valuation fee of £355, a funds transfer fee of £25, estimated solicitors fees of £145 and an arrangement fee of £950. The overall cost for comparison is 2.90% APRC representative. Product Detail Arrange a call back Call 01785 223212
80% LTV - Discounted Variable Mortgage	2.20% (Variable)	2 years	2.95% (Variable)	80%	2.90% APRC	£100	£499	Yes
Key Features Available for house purchases, moving home, remortgages and capital raising A Higher Lending Charge (HLC) fee is applicable and paid by The Society 0.75% discount off Stafford Railway’s Standard Variable Rate (SVR) for two years giving a current variable rate of 2.20%, followed by our SVR for the rest of the term (currently 2.95% variable). The overall cost for comparison is 2.90% APRC An arrangement fee of £499 applies An application fee of £100 applies Valuation fees apply 10% of the outstanding balance each year can be overpaid without penalty Interest calculated daily Representative Example A mortgage of £190,000 payable over 20 years initially on a discounted variable rate of 2.20% for 2 years and then on our Standard Variable Rate (SVR) currently 2.95% (variable) for the remaining 18 years would require 24 monthly payments of £979.28 followed by 216 monthly payments of £1,042.42 The total amount payable would be £249,989.44 made up of the loan amount plus interest (£59,989.44), a valuation fee of £355, a funds transfer fee of £25, estimated solicitors fees of £145, an application fee of £100 and an arrangement fee of £499. The overall cost for comparison is 2.90% APRC representative. Product Detail Arrange a call back Call 01785 223212
85% LTV - Discounted Variable Mortgage - 2 Years	2.50% (Variable)	2 Years	2.95% (Variable)	85%	2.90% APRC	£100	None	Yes
Key Features Available for house purchases or moving home only A Higher Lending Charge (HLC) fee is applicable and paid by The Society 0.45% discount off Stafford Railway’s Standard Variable Rate (SVR) for two years giving a current variable rate of 2.50%, followed by our SVR for the rest of the term (currently 2.95% variable). The overall cost for comparison is 2.90% APRC Valuation fees apply 10% of the outstanding balance each year can be overpaid without penalty Representative Example (Effective from 22nd March 2021) A mortgage of £190,000 payable over 20 years initially on a discounted variable rate of 2.50% for 2 years and then on our Standard Variable Rate (SVR) currently 2.95% (variable) for the remaining 18 years would require 24 monthly payments of £1006.82 followed by 216 monthly payments of £1045.09. The total amount payable would be £250,528.12 made up of the loan amount plus interest (£60,528.12), a valuation fee of £355, a funds transfer fee of £25, estimated solicitors fees of £145 and an application fee of £100. The overall cost for comparison is 2.90% APRC representative. Product Detail Arrange a call back Call 01785 223212
85% LTV - Discounted Variable Mortgage - 3 Years	2.40% (Variable)	3 Years	2.95% (Variable)	85%	2.90% APRC	£100	None	Yes
Key Features Available for house purchases or moving home only A Higher Lending Charge (HLC) fee is applicable and paid by The Society 0.55% discount off Stafford Railway’s Standard Variable Rate (SVR) for 3 years giving a current variable rate of 2.40%, followed by our SVR for the rest of the term (currently 2.95% variable). The overall cost for comparison is 2.90% APRC Valuation fees apply 10% of the outstanding balance each year can be overpaid without penalty Representative Example (Effective from 22nd March 2021) A mortgage of £190,000 payable over 20 years initially on a discounted variable rate of 2.40% for 3 years and then on our Standard Variable Rate (SVR) currently 2.95% (variable) for the remaining 17 years would require 36 monthly payments of £997.59 followed by 204 monthly payments of £1041.79. The total amount payable would be £249,063.40 made up of the loan amount plus interest (£59,063.40), a valuation fee of £355, a funds transfer fee of £25, estimated solicitors fees of £145 and an application fee of £100. The overall cost for comparison is 2.90% APRC representative. Product Detail Arrange a call back Call 01785 223212
90% LTV - Discounted Variable Mortgage - 2 Years	2.74% (Variable)	2 Years	2.95% (Variable)	90%	3.00% APRC	£100	None	Yes
Key Features Available for house purchases or moving home only A Higher Lending Charge (HLC) fee is applicable and paid by The Society 0.21% discount off Stafford Railway’s Standard Variable Rate (SVR) for two years giving a current variable rate of 2.74%, followed by our SVR for the rest of the term (currently 2.95% variable). The overall cost for comparison is 3.00% APRC Valuation fees apply 10% of the outstanding balance each year can be overpaid without penalty Representative Example (Effective from 22nd March 2021) A mortgage of £190,000 payable over 20 years initially on a discounted variable rate of 2.74% for 2 years and then on our Standard Variable Rate (SVR) currently 2.95% (variable) for the remaining 18 years would require 24 monthly payments of £1029.18 followed by 216 monthly payments of £1047.18. The total amount payable would be £251,516.20 made up of the loan amount plus interest (£61,516.20), a valuation fee of £355, a funds transfer fee of £25, estimated solicitors fees of £145 and an application fee of £100. The overall cost for comparison is 3.00% APRC representative. Product Detail Arrange a call back Call 01785 223212
90% LTV - Discounted Variable Mortgage - 3 Years	2.69% (Variable)	3 Years	2.95% (Variable)	90%	2.90% APRC	£100	None	Yes
Key Features Available for house purchases or moving home only A Higher Lending Charge (HLC) fee is applicable and paid by The Society 0.26% discount off Stafford Railway’s Standard Variable Rate (SVR) for 3 years giving a current variable rate of 2.69%, followed by our SVR for the rest of the term (currently 2.95% variable). The overall cost for comparison is 2.90% APRC Valuation fees apply 10% of the outstanding balance each year can be overpaid without penalty Representative Example (Effective from 22nd March 2021) A mortgage of £190,000 payable over 20 years initially on a discounted variable rate of 2.69% for 3 years and then on our Standard Variable Rate (SVR) currently 2.95% (variable) for the remaining 17 years would require 36 monthly payments of £1024.49 followed by 204 monthly payments of £1045.61. The total amount payable would be £250,811.08 made up of the loan amount plus interest (£60,811.08), a valuation fee of £355, a funds transfer fee of £25, estimated solicitors fees of £145 and an application fee of £100. The overall cost for comparison is 2.90% APRC representative. Product Detail Arrange a call back Call 01785 223212

Residential Mortgages

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