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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.

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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 30/11/2018
Initial rate
1.4%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.2%APRC
Monthly cost
£632.41 for 24 months then £888.47 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,002 includes: Loan amount (£160,000); Interest (£100,397); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.45%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.2%APRC
Monthly cost
£636.15 for 24 months then £888.87 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,200 includes: Loan amount (£160,000); Interest (£100,595); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/11/2018
Initial rate
1.45%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.2%APRC
Monthly cost
£636.15 for 24 months then £888.87 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,200 includes: Loan amount (£160,000); Interest (£100,595); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
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 make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,398 includes: Loan amount (£160,000); Interest (£100,793); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
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 make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,398 includes: Loan amount (£160,000); Interest (£100,793); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.6%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.3%APRC
Monthly cost
£647.44 for 24 months then £890.04 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,794 includes: Loan amount (£160,000); Interest (£101,189); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/11/2018
Initial rate
1.65%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.3%APRC
Monthly cost
£651.24 for 24 months then £890.43 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,992 includes: Loan amount (£160,000); Interest (£101,387); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
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 make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,492 includes: Loan amount (£160,000); Interest (£101,782); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.8%then 4.74% (variable)
Fees
£710fees
Overall cost
4.3%APRC
Monthly cost
£662.70 for 24 months then £891.58 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,690 includes: Loan amount (£160,000); Interest (£101,980); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.9%then 4.74% (variable)
Fees
£710fees
Overall cost
4.3%APRC
Monthly cost
£670.40 for 24 months then £892.34 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,085 includes: Loan amount (£160,000); Interest (£102,375); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.95%then 4.74% (variable)
Fees
£710fees
Overall cost
4.3%APRC
Monthly cost
£674.28 for 24 months then £892.71 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,282 includes: Loan amount (£160,000); Interest (£102,572); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/11/2018
Initial rate
2.0%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.3%APRC
Monthly cost
£678.17 for 24 months then £893.09 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,374 includes: Loan amount (£160,000); Interest (£102,769); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2019
Initial rate
2.1%then 4.74% (variable)
Fees
£710fees
Overall cost
4.1%APRC
Monthly cost
£685.98 for 36 months then £885.06 (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
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £259,062 includes: Loan amount (£160,000); Interest (£98,352); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.1%then 4.74% (variable)
Fees
£1,605fees
Overall cost
4.4%APRC
Monthly cost
£685.98 for 24 months then £893.84 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,768 includes: Loan amount (£160,000); Interest (£103,163); Application fee (£895); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2021
Initial rate
2.25%then 4.74% (variable)
Fees
£710fees
Overall cost
3.8%APRC
Monthly cost
£697.81 for 60 months then £870.13 (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
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,409 includes: Loan amount (£160,000); Interest (£90,699); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2019
Initial rate
2.25%then 4.74% (variable)
Fees
£710fees
Overall cost
4.2%APRC
Monthly cost
£697.81 for 36 months then £886.72 (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
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £259,924 includes: Loan amount (£160,000); Interest (£99,214); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 30/11/2018
Initial rate
2.3%then 4.74% (variable)
Fees
£710fees
Overall cost
4.4%APRC
Monthly cost
£701.78 for 24 months then £895.31 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,659 includes: Loan amount (£160,000); Interest (£103,949); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2021
Initial rate
2.4%then 4.74% (variable)
Fees
£710fees
Overall cost
3.9%APRC
Monthly cost
£709.76 for 60 months then £872.83 (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
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £252,774 includes: Loan amount (£160,000); Interest (£92,064); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.4%then 4.74% (variable)
Fees
£710fees
Overall cost
4.4%APRC
Monthly cost
£709.76 for 24 months then £896.04 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,051 includes: Loan amount (£160,000); Interest (£104,341); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2019
Initial rate
2.5%then 4.74% (variable)
Fees
£710fees
Overall cost
4.3%APRC
Monthly cost
£717.79 for 36 months then £889.43 (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
  • 76 or younger at mortgage end
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,359 includes: Loan amount (£160,000); Interest (£100,649); Valuation fee (£380); Legal fee (£150); Funds transfer fee (£25); Mortgage discharge fee (£155); 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 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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