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Cambridge Building Society

This building society offers a selection of fixed rate and tracker mortgages, variable rate mortgages, low deposit mortgages for first time buyers, and buy to let mortgages for landlords and property developers.

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years
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Discounted 11/12/2018
Initial rate
1.89%then 4.74% (variable)
Fees
£985fees
Overall cost
4.3%APRC
Monthly cost
£669.63 for 24 months then £892.26 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 85.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,320 includes: Loan amount (£160,000); Interest (£102,335); Application fee (£400); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 11/12/2018
Initial rate
1.89%then 4.74% (variable)
Fees
£985fees
Overall cost
4.3%APRC
Monthly cost
£669.63 for 24 months then £892.26 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 85.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,320 includes: Loan amount (£160,000); Interest (£102,335); Application fee (£400); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 11/12/2018
Initial rate
1.89%then 4.74% (variable)
Fees
£1,584fees
Overall cost
4.3%APRC
Monthly cost
£669.63 for 24 months then £892.26 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 85.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,919 includes: Loan amount (£160,000); Interest (£102,335); Booking fee (£199); Application fee (£800); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 11/12/2018
Initial rate
1.99%then 4.74% (variable)
Fees
£585fees
Overall cost
4.3%APRC
Monthly cost
£677.39 for 24 months then £893.01 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 80.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,314 includes: Loan amount (£160,000); Interest (£102,729); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 11/12/2018
Initial rate
2.09%then 4.74% (variable)
Fees
£985fees
Overall cost
4.3%APRC
Monthly cost
£685.20 for 24 months then £893.76 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 85.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,108 includes: Loan amount (£160,000); Interest (£103,123); Application fee (£400); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 11/12/2018
Initial rate
2.09%then 4.74% (variable)
Fees
£985fees
Overall cost
4.3%APRC
Monthly cost
£685.20 for 24 months then £893.76 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 85.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,108 includes: Loan amount (£160,000); Interest (£103,123); Application fee (£400); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 11/12/2018
Initial rate
2.09%then 4.74% (variable)
Fees
£1,584fees
Overall cost
4.3%APRC
Monthly cost
£685.20 for 24 months then £893.76 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 85.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,707 includes: Loan amount (£160,000); Interest (£103,123); Booking fee (£199); Application fee (£800); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 11/12/2018
Initial rate
2.19%then 4.74% (variable)
Fees
£985fees
Overall cost
4.4%APRC
Monthly cost
£693.06 for 24 months then £894.50 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 90.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,501 includes: Loan amount (£160,000); Interest (£103,516); Application fee (£400); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 11/12/2018
Initial rate
2.19%then 4.74% (variable)
Fees
£985fees
Overall cost
4.4%APRC
Monthly cost
£693.06 for 24 months then £894.50 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 90.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,501 includes: Loan amount (£160,000); Interest (£103,516); Application fee (£400); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 11/12/2018
Initial rate
2.19%then 4.74% (variable)
Fees
£1,584fees
Overall cost
4.4%APRC
Monthly cost
£693.06 for 24 months then £894.50 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England
  • Aged 18 or older
  • No bankruptcies
  • No repossessions
  • Up to 90.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,100 includes: Loan amount (£160,000); Interest (£103,516); Booking fee (£199); Application fee (£800); Valuation fee (£350); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Cambridge Building Society

The Cambridge Building Society is an independent society based in Cambridge. It was formed in 1850, as the Cambridgeshire Permanent Benefit Building Society, but changed its name to the Cambridge Building Society in 1945. The society is very much part of the local community. From the beginning, the Cambridge Building Society has sought to provide a range of services to help local people save money and buy their own home. Today they have a number of branches in Cambridge and are a big employer in the area, but if customers don’t live near a branch, they can still access Cambridge Building Society services via their telephone support system or Live Chat.

As well as providing savings accounts, insurance, travel money and financial planning services, customers can also choose from a wide range of Cambridge BS mortgages. The society offers a selection of fixed rate and tracker mortgages, variable rate mortgages, low deposit mortgages for first time buyers, and buy to let mortgages for landlords and property developers.

Cambridge BS mortgage advisors take each application on its own merits. The society offers family assisted mortgage options for first time buyers and customers with limited funds. Here a guarantor can be elected or a collateral charge placed on a second property.

Mortgage applications can be made in-branch or over the telephone. Both processes are very similar.

Cambridge BS mortgages are only available on properties based in Cambridgeshire, Bedfordshire, Buckinghamshire, Hertfordshire, Essex, Norfolk, Suffolk, and Northamptonshire. Applicants must be aged over 18 years for a residential mortgage or over 21 years for a buy to let mortgage.

Mortgage terms are available for between five and 30 years.

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