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Holmesdale Building Society

Holmesdale Building Society provides a varied selection of mortgage products for existing homeowners, first time buyers, landlords, and UK expatriates.

Compare mortgages

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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 until 28/09/2019
Initial rate
2.79%then 4.99% (variable)
Fees
£1,444fees
Overall cost
4.5%APRC
Monthly cost
£741.38 for 36 months then £913.00 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £269,166 includes: Loan amount (£160,000); Interest (£107,722); Booking fee (£995); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 28/09/2019
Initial rate
2.79%then 4.99% (variable)
Fees
£1,444fees
Overall cost
4.5%APRC
Monthly cost
£741.38 for 36 months then £913.00 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Available for existing customers only
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £269,166 includes: Loan amount (£160,000); Interest (£107,722); Booking fee (£995); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 28/09/2017
Initial rate
2.79%then 4.99% (variable)
Fees
£1,244fees
Overall cost
4.9%APRC
Monthly cost
£741.38 for 12 months then £927.34 (variable)
for 288 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,215 includes: Loan amount (£160,000); Interest (£115,971); Booking fee (£795); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 28/09/2017
Initial rate
2.79%then 4.99% (variable)
Fees
£1,448fees
Overall cost
4.9%APRC
Monthly cost
£741.38 for 12 months then £927.34 (variable)
for 288 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,419 includes: Loan amount (£160,000); Interest (£115,971); Booking fee (£999); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 28/09/2019
Initial rate
2.99%then 4.99% (variable)
Fees
£1,444fees
Overall cost
4.6%APRC
Monthly cost
£757.91 for 36 months then £915.13 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,323 includes: Loan amount (£160,000); Interest (£108,879); Booking fee (£995); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 28/09/2019
Initial rate
3.29%then 4.99% (variable)
Fees
£1,444fees
Overall cost
4.7%APRC
Monthly cost
£783.09 for 36 months then £918.25 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,054 includes: Loan amount (£160,000); Interest (£110,610); Booking fee (£995); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 28/09/2021
Initial rate
3.39%then 4.99% (variable)
Fees
£1,444fees
Overall cost
4.4%APRC
Monthly cost
£791.59 for 60 months then £908.86 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Available for existing customers only
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £267,065 includes: Loan amount (£160,000); Interest (£105,621); Booking fee (£995); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 28/09/2021
Initial rate
3.39%then 4.99% (variable)
Fees
£1,444fees
Overall cost
4.4%APRC
Monthly cost
£791.59 for 60 months then £908.86 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £267,065 includes: Loan amount (£160,000); Interest (£105,621); Booking fee (£995); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 28/09/2021
Initial rate
3.99%then 4.99% (variable)
Fees
£944fees
Overall cost
4.7%APRC
Monthly cost
£843.66 for 60 months then £918.83 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,083 includes: Loan amount (£160,000); Interest (£111,139); Booking fee (£495); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 28/09/2019
Initial rate
3.99%then 4.99% (variable)
Fees
£1,444fees
Overall cost
4.8%APRC
Monthly cost
£843.66 for 36 months then £925.22 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £276,073 includes: Loan amount (£160,000); Interest (£114,629); Booking fee (£995); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Variable
Initial rate
4.99% (variable)
Fees
£944fees
Overall cost
5.1%APRC
Monthly cost
£934.41 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,268 includes: Loan amount (£160,000); Interest (£120,324); Booking fee (£495); Valuation fee (£270); Funds transfer fee (£30); Mortgage discharge fee (£149); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Variable
Initial rate
4.99% (variable)
Fees
£2,535fees
Overall cost
5.1%APRC
Monthly cost
£934.41 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,859 includes: Loan amount (£160,000); Interest (£120,324); Booking fee (£495); Application fee (£1,500); Valuation fee (£440); Funds transfer fee (£25); Mortgage discharge fee (£75); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Variable
Initial rate
5.49% (variable)
Fees
£1,035fees
Overall cost
5.6%APRC
Monthly cost
£981.58 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,359 includes: Loan amount (£160,000); Interest (£120,324); Booking fee (£495); Valuation fee (£440); Funds transfer fee (£25); Mortgage discharge fee (£75); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Holmesdale Building Society

Holmesdale Building Society was formed in Reigate, Surrey, in 1855. It was created by Thomas Buckland, who saw a need for a local building society that was able to offer savings facilities and mortgages on favourable terms for working people in the local community. Funds were raised from paid subscriptions and mortgage applications were decided by ballot amongst the members.

The founding members of the Holmesdale Building Society intended to wind things up after a few years, but thanks to the its success and continuing demand, it was decided to allow the society to continue operating indefinitely. The Buckland family continued to be a significant part of the society they founded until 2002, upon which time David Buckland, the last remaining family member, passed away.

Today the Holmesdale Building Society is still a big part of the local community and continues to serve its members in Surrey, but its field of activities has been expanded and the society now has members all over the UK.

Savings and mortgages are the key products on offer at the Holmesdale Building Society. The society provides a varied selection of different mortgage products for first time buyers, existing homeowners, landlords, and UK expatriates.

First time buyers can choose from several different Holmesdale BS mortgages, including discounted and variable rates. First time buyers also have the option of parental helping hand ‘collateral charge’ mortgage products.

Shared ownership Holmesdale BS mortgages are suitable for customers wishing to buy a share of a property under the government’s shared ownership scheme.

Self-build mortgages from Holmesdale are made to measure.

Singular homes Holmesdale mortgages are for customers who don’t fit the normal lending criteria. Each application is judged on its own merits.

Mortgage applications can be made in-branch or via telephone.

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