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Saffron Building Society

There are several different types of mortgage to choose from at the Saffron Building Society - designed to help people buy a home or invest in a property.

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 until 29/09/2019
Initial rate
1.95%then 5.39% (variable)
Fees
£1,155fees
Overall cost
4.6%APRC
Monthly cost
£674.28 for 36 months then £936.64 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,703 includes: Loan amount (£160,000); Interest (£111,548); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2019
Initial rate
1.95%then 5.39% (variable)
Fees
£1,155fees
Overall cost
4.6%APRC
Monthly cost
£674.28 for 36 months then £936.64 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,703 includes: Loan amount (£160,000); Interest (£111,548); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2019
Initial rate
1.99%then 5.39% (variable)
Fees
£1,155fees
Overall cost
4.6%APRC
Monthly cost
£677.39 for 36 months then £937.12 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 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.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,941 includes: Loan amount (£160,000); Interest (£111,786); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2019
Initial rate
2.19%then 5.39% (variable)
Fees
£1,155fees
Overall cost
4.7%APRC
Monthly cost
£693.06 for 36 months then £939.47 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • 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 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,126 includes: Loan amount (£160,000); Interest (£112,971); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2018
Initial rate
2.29%then 5.39% (variable)
Fees
£1,155fees
Overall cost
4.9%APRC
Monthly cost
£700.98 for 24 months then £951.17 (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
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • 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 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £280,501 includes: Loan amount (£160,000); Interest (£119,346); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2019
Initial rate
2.29%then 5.39% (variable)
Fees
£1,155fees
Overall cost
4.7%APRC
Monthly cost
£700.98 for 36 months then £940.64 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 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.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,718 includes: Loan amount (£160,000); Interest (£113,563); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2019
Initial rate
2.29%then 5.39% (variable)
Fees
£1,155fees
Overall cost
4.7%APRC
Monthly cost
£700.98 for 36 months then £940.64 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 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.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,718 includes: Loan amount (£160,000); Interest (£113,563); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2019
Initial rate
2.39%then 5.39% (variable)
Fees
£1,155fees
Overall cost
4.7%APRC
Monthly cost
£708.96 for 36 months then £941.79 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • 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 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,310 includes: Loan amount (£160,000); Interest (£114,155); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2019
Initial rate
2.39%then 5.39% (variable)
Fees
£1,155fees
Overall cost
4.7%APRC
Monthly cost
£708.96 for 36 months then £941.79 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • 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 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,310 includes: Loan amount (£160,000); Interest (£114,155); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2021
Initial rate
2.57%then 5.39% (variable)
Fees
£2,650fees
Overall cost
4.3%APRC
Monthly cost
£723.44 for 60 months then £924.70 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • 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 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £267,985 includes: Loan amount (£160,000); Interest (£105,335); Application fee (£1,495); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2019
Initial rate
2.99%then 5.39% (variable)
Fees
£1,155fees
Overall cost
4.9%APRC
Monthly cost
£757.91 for 36 months then £948.52 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • 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 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £278,848 includes: Loan amount (£160,000); Interest (£117,693); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2021
Initial rate
3.19%then 5.39% (variable)
Fees
£2,705fees
Overall cost
4.6%APRC
Monthly cost
£774.64 for 60 months then £936.03 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 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.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £273,830 includes: Loan amount (£160,000); Interest (£111,125); Application fee (£1,550); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2020
Initial rate
3.27%then 5.39% (variable)
Fees
£2,154fees
Overall cost
4.9%APRC
Monthly cost
£781.40 for 36 months then £951.54 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 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.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,490 includes: Loan amount (£160,000); Interest (£119,336); Application fee (£999); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2021
Initial rate
3.29%then 5.39% (variable)
Fees
£2,405fees
Overall cost
4.6%APRC
Monthly cost
£783.09 for 60 months then £937.81 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 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.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,464 includes: Loan amount (£160,000); Interest (£112,059); Application fee (£1,250); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2021
Initial rate
3.29%then 5.39% (variable)
Fees
£2,405fees
Overall cost
4.6%APRC
Monthly cost
£783.09 for 60 months then £937.81 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 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.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,464 includes: Loan amount (£160,000); Interest (£112,059); Application fee (£1,250); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2019
Initial rate
3.29%then 5.39% (variable)
Fees
£1,155fees
Overall cost
5.0%APRC
Monthly cost
£783.09 for 36 months then £951.75 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • 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 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £280,608 includes: Loan amount (£160,000); Interest (£119,453); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2019
Initial rate
3.29%then 5.39% (variable)
Fees
£1,155fees
Overall cost
5.0%APRC
Monthly cost
£783.09 for 36 months then £951.75 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • 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 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £280,608 includes: Loan amount (£160,000); Interest (£119,453); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2020
Initial rate
3.37%then 5.39% (variable)
Fees
£2,154fees
Overall cost
5.0%APRC
Monthly cost
£789.89 for 36 months then £952.60 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 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.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,076 includes: Loan amount (£160,000); Interest (£119,922); Application fee (£999); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2020
Initial rate
3.37%then 5.39% (variable)
Fees
£2,154fees
Overall cost
5.0%APRC
Monthly cost
£789.89 for 36 months then £952.60 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 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.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £282,076 includes: Loan amount (£160,000); Interest (£119,922); Application fee (£999); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2020
Initial rate
3.57%then 5.39% (variable)
Fees
£2,154fees
Overall cost
5.0%APRC
Monthly cost
£807.02 for 36 months then £954.69 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • 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 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £283,246 includes: Loan amount (£160,000); Interest (£121,092); Application fee (£999); Valuation fee (£495); Legal fee (£500); Funds transfer fee (£30); Mortgage discharge fee (£80); Deeds release fee (£50); 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 Saffron Building Society

The Saffron Building Society was founded in 1849 and was originally called the Saffron Walden Second Building Society.

Although it was originally a terminating society, it became a permanent in 1857. Over the next 150 years, the Saffron merged with several other small regional building societies and changed its name several times, but in 2006 it finally became known as the Saffron Building Society.

Today the Saffron is a thriving local building society with several branches in Cambridgeshire, Essex, Suffolk, Hertfordshire and London. It provides savings accounts, mortgages, insurance and financial advice to its customers. The society also offers a range of services for business, charities and clubs.

Saffron BS mortgages are designed to help people buy a home or invest in a property in order to generate an income. The society has a flexible approach to lending. Their mortgage advisors adopt a personal approach to underwriting and instead of using a computer-based system for assessing mortgage applications they judge each case on its merits.

Next Step Saffron BS mortgages are perfect for buyers who are ready to take the next step on the housing ladder.

Self-build mortgages are designed to release funds at each stage of the self-build process. Customers can elect to keep their self-build mortgage on an interest only basis until the build project has been completed.
Standard variable rate mortgages are available from the Saffron Building Society. 

Buy to let mortgages from the Saffron Building Society are designed for existing landlords. 

Existing customers have plenty of options when their current mortgage deal has come to an end. They can switch to a new deal or apply for additional funds to pay for home improvements.  

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