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Stafford Railway Building Society

Since 1877, the Stafford Railway Building Society has been set up to help the people within its communities to achieve their financial goals by giving them access to financial services products, which put people first, not profits. Compare the Stafford Railway Building Society mortgages using the table below.

Compare mortgages

Reason for mortgage
£
£
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
Variable
Initial rate
3.2% (variable)
Fees
£440fees
Overall cost
3.2%APRC
Monthly cost
£775.49 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No bankruptcies
  • No repossessions
  • 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 £233,086 includes: Loan amount (£160,000); Interest (£72,646); Valuation fee (£270); Legal fee (£145); Funds transfer fee (£25); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Variable
Initial rate
3.2% (variable)
Fees
£440fees
Overall cost
3.2%APRC
Monthly cost
£775.49 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No bankruptcies
  • No repossessions
  • Up to 90% 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 £233,086 includes: Loan amount (£160,000); Interest (£72,646); Valuation fee (£270); Legal fee (£145); Funds transfer fee (£25); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Variable
Initial rate
4.5% (variable)
Fees
£440fees
Overall cost
4.6%APRC
Monthly cost
£889.33 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 25 or older
  • 85 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • 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 £267,240 includes: Loan amount (£160,000); Interest (£106,800); Valuation fee (£270); Legal fee (£145); Funds transfer fee (£25); Mortgage discharge fee (£0); 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 Stafford Railway Building Society

The Stafford Railway Building Society, or simply, The Society, is a mutual building society, with a dedicated team on hand to take customers’ phone calls and emails.

Since the mid 19th century the Stafford Railway Building Society has aimed to put its customers and its members first, providing financial products and services.

This rich tradition is also backed by the Stafford Railway Building Society’s willingness embrace the changes and challenges of modern society.

Whether it is to secure their financial future, make more of their savings or to buy a home, the Stafford Railway Building Society’s ethos is to put the desires of its customers before its profits.

As a mutual organisation and building society, the Stafford Railway Building Society, is unlike typical high street retail banks, insofar as they do not have to pay dividends to shareholders.

This means that the extra cost of dividends being paid out are saved by the building society, and thus, can be paid out to customers in the form of lower rates on their mortgage repayments as well as higher returns on their savings accounts.

In addition to this, the Stafford Railway Building Society believes in being prudent with their customers’ money. By not taking risks with the money their customers entrust them with, the Stafford Railway Building Society is all the more confident that saving money with them guarantees growth and security.

Stafford Railway Building Society was founded by a small group of railway workers from the London & North Western Railway Company. They championed the company’s current ethos of prudent management and serving the local community.

Customers who sign up for Stafford Railway Building Society’s financial products or services, are not simply customers, but also members of the society. This entitles each customers a vote at the Stafford Railway Building Society’s Annual General Meeting each year, by post, in person or online (subject to conditions).

This means if you’re with the Stafford Railway Building Society, you can also have a say on their proposed policies.

Stafford Railway Building Society mortgages

In trying to treat customers fairly and with respect, all of the Stafford Railway Building Society’s mortgage products come with support to find the right solution for each individual’s needs.

The Stafford Railway Building Society is committed to being clear and upfront in their marketing, avoiding any language that could be misinterpreted.

Customers looking to buy property with the Stafford Railway Building Society can find first-time buyer mortgages, home mover mortgages, buy-to-let mortgages and remortgage deals.

Use our comparison table above to find a Stafford Railway Building Society mortgage.

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