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Principality Building Society

The Principality Building Society offers a range of mortgage products for first time buyers and existing buyers as well as buy to let mortgages for landlords.

Compare mortgages

Reason for mortgage
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£
years
How would you like to repay?
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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 30/04/2019
Initial rate
1.4%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.3%APRC
Monthly cost
£632.41 for 24 months then £888.47 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18 and younger than 76 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £262,002: Interest (£100,397); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/04/2019
Initial rate
1.45%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.3%APRC
Monthly cost
£636.15 for 24 months then £888.87 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18 and younger than 76 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £262,200: Interest (£100,595); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 30/04/2019
Initial rate
1.45%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.3%APRC
Monthly cost
£636.15 for 24 months then £888.87 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18 and younger than 76 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £262,200: Interest (£100,595); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/04/2019
Initial rate
1.5%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.3%APRC
Monthly cost
£639.90 for 24 months then £889.26 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18 and younger than 76 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £262,398: Interest (£100,793); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/04/2019
Initial rate
1.6%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.4%APRC
Monthly cost
£647.44 for 24 months then £890.04 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18 and younger than 76 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £262,794: Interest (£101,189); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 30/04/2019
Initial rate
1.65%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.4%APRC
Monthly cost
£651.24 for 24 months then £890.43 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18 and younger than 76 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £262,992: Interest (£101,387); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/04/2019
Initial rate
1.7%then 4.74% (variable)
Fees
£710fees
Overall cost
4.3%APRC
Monthly cost
£655.04 for 24 months then £890.81 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18 and younger than 76 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £262,295: Interest (£101,585); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/04/2019
Initial rate
1.7%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.4%APRC
Monthly cost
£655.04 for 24 months then £890.81 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18 and younger than 76 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £263,190: Interest (£101,585); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/04/2019
Initial rate
1.75%then 4.74% (variable)
Fees
£710fees
Overall cost
4.3%APRC
Monthly cost
£658.86 for 24 months then £891.19 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18 and younger than 76 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £262,492: Interest (£101,782); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/04/2019
Initial rate
1.85%then 4.74% (variable)
Fees
£710fees
Overall cost
4.3%APRC
Monthly cost
£666.54 for 24 months then £891.96 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18 and younger than 76 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £262,887: Interest (£102,177); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); 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 Principality Building Society

The Principality Building Society was founded in 1860. It is a mutual building society based in Cardiff, Wales. The Principality has more than fifty branches. Most of the branches are in Wales, but there are a few across the border in England.

Up until 1980s the Principality Building Society was purely a building society, but in 1986 it expanded into the property sector when it acquired Peter Alan & Parkhurst estate agents.


In 2004, the Principality Building Society acquired Loan Link Limited and in 2005, the society entered the loan market when it launched Nemo Personal Finance Limited. The Peter Alan & Parkhurst estate agency business was subsequently sold off in 2014.


The Principality Building Society offers a range of different services. These include savings accounts, mortgages, insurance, estate planning and the provision of financial advice. The society also provides commercial services for business customers.



There are a number of mortgage products available from the Principality Building Society. The society offers a selection of fixed rate, discount and variable tracker Principality BS mortgages for first time buyers and existing homeowners.

Principality Building Society also supplies buy to let mortgages for new and experienced landlords and property developers.


Customers who are eligible for the Help to Buy – Wales scheme can apply for a Help to Buy mortgage from the Principality Building Society. Eligible customers can apply for Principality BS mortgages once they have received approval from the Help to Buy scheme.

Principality BS mortgages offer a number of benefits. 

Some mortgage products from the Principality Building Society allow customers to make overpayments or take payment holidays.

Existing Principality Building Society customers can take advantage of mortgage deals by speaking to a mortgage advisor in-branch or via telephone.

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