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Vernon Building Society

Vernon Building Society is a small mutual society based in Stockport, which has been serving the Greater Manchester area since 1924. It is a member of the Building Societies Association.

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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 22/05/2019
Initial rate
1.25%then 4.7% (variable)
Fees
£1,704fees
Overall cost
4.3%APRC
Monthly cost
£621.28 for 24 months then £883.93 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England
  • Are older than 18
  • Have no CCJs, arrears, defaults, bankruptcies, repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £260,579: Interest (£98,875); Application fee (£999); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 22/05/2017.
Rate type
Discounted 22/05/2019
Initial rate
1.5%then 4.7% (variable)
Fees
£1,704fees
Overall cost
4.3%APRC
Monthly cost
£639.90 for 24 months then £885.90 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England
  • Are older than 18
  • Have no CCJs, arrears, defaults, bankruptcies, repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £261,569: Interest (£99,865); Application fee (£999); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 22/05/2017.
Rate type
Discounted 22/05/2020
Initial rate
1.85%then 4.7% (variable)
Fees
£1,204fees
Overall cost
4.1%APRC
Monthly cost
£666.54 for 36 months then £879.04 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18
  • Have no bankruptcies, repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £257,267: Interest (£96,063); Application fee (£499); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 22/05/2017.
Rate type
Discounted 22/05/2020
Initial rate
1.85%then 4.7% (variable)
Fees
£1,204fees
Overall cost
4.1%APRC
Monthly cost
£666.54 for 36 months then £879.04 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18
  • Have no bankruptcies, repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £257,267: Interest (£96,063); Application fee (£499); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 22/05/2017.
Rate type
Discounted 22/05/2020
Initial rate
2.15%then 4.7% (variable)
Fees
£1,204fees
Overall cost
4.2%APRC
Monthly cost
£689.91 for 36 months then £882.38 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18
  • Have no bankruptcies, repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £258,990: Interest (£97,786); Application fee (£499); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 22/05/2017.
Rate type
Discounted 22/05/2020
Initial rate
2.15%then 4.7% (variable)
Fees
£1,204fees
Overall cost
4.2%APRC
Monthly cost
£689.91 for 36 months then £882.38 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18
  • Have no bankruptcies, repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £258,990: Interest (£97,786); Application fee (£499); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 22/05/2017.
Rate type
Discounted 22/05/2020
Initial rate
2.29%then 4.7% (variable)
Fees
£705fees
Overall cost
4.2%APRC
Monthly cost
£700.98 for 36 months then £883.92 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18
  • Have no bankruptcies, repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £259,294: Interest (£98,589); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 22/05/2017.
Rate type
Discounted 22/05/2020
Initial rate
2.29%then 4.7% (variable)
Fees
£705fees
Overall cost
4.2%APRC
Monthly cost
£700.98 for 36 months then £883.92 (variable)
for 264 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18
  • Have no bankruptcies, repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £259,294: Interest (£98,589); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 22/05/2017.
Rate type
Fixed 30/06/2022
Initial rate
2.54%then 4.7% (variable)
Fees
£1,704fees
Overall cost
4.0%APRC
Monthly cost
£721.01 for 60 months then £872.36 (variable)
for 240 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18
  • Have no bankruptcies, repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £254,332: Interest (£92,628); Application fee (£999); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 30/06/2017.
Rate type
Fixed 30/06/2022
Initial rate
2.99%then 4.7% (variable)
Fees
£2,305fees
Overall cost
4.2%APRC
Monthly cost
£757.91 for 60 months then £880.19 (variable)
for 240 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Wales
  • Are older than 18
  • Have no bankruptcies, repossessions

Additional criteria may apply

Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £259,024: Interest (£96,719); Application fee (£1,600); Valuation fee (£310); Legal fee (£250); Funds transfer fee (£15); Mortgage discharge fee (£100); Deeds release fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed. Costs based on assumed completion date of 30/06/2017.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Vernon Building Society

If you are looking for a good value UK mortgage, you have a lot of options when it comes to a provider. Many people prefer to take mortgages with building societies, rather than high street banks or online only lenders, because they often offer very good deals, and as mutual organisations use their profits for the benefit of their members and customers. 

Small, local building societies can also be a good choice because they tend to have plenty of time for their customers, giving you good customer service and a more personal relationship with your mortgage provider.

Vernon Building Society offers a vast range of mortgages to suit first-time buyers who want an affordable way to get onto the property ladder, and those looking for a remortgage because they are moving house or want to switch providers. In addition, they offer buy-to-let mortgages for first-time and existing landlords, and also have a commercial mortgage department.

The Vernon Building Society can offer different term fixed rate and discount mortgages, as well as an offset mortgage package, where your savings and current account balance can be offset against your mortgage so you pay less interest when you are in the black. 

They also provide special mortgages aimed at getting first time buyers into their first owned homes. 

Vernon Building Society have full online banking facilities that let you manage your account from home or on your mobile devices, as well as the ability to contact customer support or in branch staff by phone.

As well as having a very comprehensive range of mortgage products, the Vernon Building Society can also provide other services. Their savings options include cash ISAs, easy-access savings accounts, limited access savings accounts, and young saver accounts. 

They also provide income protection, family protection and buildings and contents insurance, as well as financial planning.

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