Stafford Railway Building Society Mortgages

View all the mortgages from the Stafford Railway Building Society. Our comparison tools have access to and can quickly search through all the mortgage lenders and individual products across the whole market place. See how the Stafford Railway BS compares against other lenders and use the search filters to fine tune the mortgage results to meet your needs.


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Stafford Railway Building Society Mortgages

The Stafford Railway Building Society was initially founded to help local railway workers. To compare Stafford Railway Building Society mortgage deals with other leading mortgage rates on the market, and to find the best deals for you, you can use the mortgage calculator to search over 5,000 mortgage offers based on your personal circumstances.

Currently, Stafford Railway Building Society is offering mortgages under two key categories; But-to-let and Residential. The Buy-to-let mortgages options include Buy-to-let single occupancy and Buy-to-let Holiday Let. For Buy-to-let single occupancy, 3 years discounted and variable rate mortgage is available, at the starting APR ranging from 2.95% to 4.75%, with maximum LTV of 70%. The 3-year discounted mortgage bears early repayment charges. The Buy-to-let Holiday let is available as 3 Year Discounted – Holiday Buy-To-Let mortgage at starting APR of 2.95%.

For the Residential mortgages, the options include First-time buyer mortgage (3 years discounted and variable rate mortgage, at the starting APR ranging from 1.95% to 3.2%, as well as First Time Buyer Low Deposit at starting APR 2.6%), home buyer mortgage, lending into retirement mortgage, low deposit mortgage, remortgage, self-build and renovation mortgage and self-employed mortgage. The range of mortgages offered by Stafford Railway Building Society is vast and thus, suitable for most of the borrowers.

The Core Features of Stafford Railway Building Society Mortgages

Some of the mortgage deals that are currently available from Stafford Railway Building Society include benefits such as:

  • Independent and locally managed – speak directly to a member of the team rather than having to go through a call center
  • Choose your repayment method – capital repayment or interest-only (subject to terms and conditions)
  • No arrangement fees
  • No early repayment charges
  • Overpayments, underpayments and payment holidays are permitted subject to terms and conditions
  • Standard variable rate mortgages – the interest you pay on this type of mortgage will follow the Stafford Railway Building Society standard variable rate (SVR).
  • Guarantor mortgages – available at up to 95% loan to value (LTV)
  • Buy to let mortgages – if you are looking to purchase a property to rent out to tenants, Stafford Railway Building Society offers buy to let mortgages at up to 75% LTV

How does it work?

The mortgage rates charged by the Society are not fixed or capped and do not track the Bank Base Rate. This means that, although the Society has a policy to keep the rate as low as possible, the interest rate can increase or decrease. You will be given 30 days’ notice of any changes.

For advice on the mortgage application process, you can meet with a qualified Mortgage Advisor at your nearby Stafford Railway Building Society branch, or can call the building society’s contact number. Once you have applied for mortgage online via form or via call, you can track the details and manage your mortgage online with their official web services. Customers can also access the conveyancing service to help complete the purchase and mortgaging of their new property.

From receiving the application to issuing a mortgage offer usually takes three weeks. This is subject to the employer’s references and valuation report being returned to them promptly and presumes that they need no further reports.

The Final Advice

Residential & buy to let | Direct & Broker exclusive deals A little known lender when compared with the rest of the market, with a case by case attitude to lending – where humans check applications with a common-sense approach as opposed to computers with hard and fast rules – accommodating those who are struggling to borrow on the high street. Stafford are a good choice for expats and foreign nationals who are looking to get a mortgage.