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West Bromwich Building Society

One of the UK's largest building societies, and Black Country and Birmingham's leading regional building society, the West Bromwich Building Society is a mutual organisation, owned and run for the benefit of its members. Compare mortgages from the West Bromwich Building Society using the table below.

Compare mortgages

Reason for mortgage
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£
years
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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
1.59%then 3.99% (variable)
Fees
£763fees
Overall cost
3.6%APRC
Monthly cost
£646.69 for 24 months then £828.03 (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
  • 70 or younger at mortgage end
  • No defaults
  • 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 £244,819 includes: Loan amount (£160,000); Interest (£84,056); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); 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
1.74%then 3.99% (variable)
Fees
£763fees
Overall cost
3.7%APRC
Monthly cost
£658.10 for 24 months then £829.10 (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
  • 70 or younger at mortgage end
  • No defaults
  • 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 £245,390 includes: Loan amount (£160,000); Interest (£84,627); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); 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
1.89%then 3.99% (variable)
Fees
£763fees
Overall cost
3.7%APRC
Monthly cost
£669.63 for 24 months then £830.17 (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
  • 70 or younger at mortgage end
  • No defaults
  • 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 £245,960 includes: Loan amount (£160,000); Interest (£85,197); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); 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
1.99%then 3.99% (variable)
Fees
£763fees
Overall cost
3.7%APRC
Monthly cost
£677.39 for 24 months then £830.87 (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
  • 70 or younger at mortgage end
  • No defaults
  • 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 £246,340 includes: Loan amount (£160,000); Interest (£85,577); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); 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
2.09%then 3.99% (variable)
Fees
£763fees
Overall cost
3.7%APRC
Monthly cost
£685.20 for 24 months then £831.56 (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
  • 70 or younger at mortgage end
  • No defaults
  • 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 £246,719 includes: Loan amount (£160,000); Interest (£85,956); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); 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
2.14%then 3.99% (variable)
Fees
£763fees
Overall cost
3.3%APRC
Monthly cost
£689.13 for 60 months then £814.05 (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
  • 70 or younger at mortgage end
  • No defaults
  • 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 £237,482 includes: Loan amount (£160,000); Interest (£76,719); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); 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
2.19%then 3.99% (variable)
Fees
£763fees
Overall cost
3.6%APRC
Monthly cost
£693.06 for 36 months then £826.50 (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
  • 70 or younger at mortgage end
  • No defaults
  • 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 £243,910 includes: Loan amount (£160,000); Interest (£83,147); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); 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
2.29%then 3.99% (variable)
Fees
£763fees
Overall cost
3.4%APRC
Monthly cost
£700.98 for 60 months then £816.60 (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
  • 70 or younger at mortgage end
  • No defaults
  • 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 £238,806 includes: Loan amount (£160,000); Interest (£78,043); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); 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
2.29%then 3.99% (variable)
Fees
£763fees
Overall cost
3.6%APRC
Monthly cost
£700.98 for 36 months then £827.52 (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
  • 70 or younger at mortgage end
  • No defaults
  • 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 £244,465 includes: Loan amount (£160,000); Interest (£83,702); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); 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
2.49%then 3.99% (variable)
Fees
£763fees
Overall cost
3.8%APRC
Monthly cost
£716.98 for 24 months then £834.29 (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
  • 70 or younger at mortgage end
  • No defaults
  • No repossessions
  • Up to 90% 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 £248,234 includes: Loan amount (£160,000); Interest (£87,471); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2026
Initial rate
2.79%then 3.99% (variable)
Fees
£763fees
Overall cost
3.2%APRC
Monthly cost
£741.38 for 120 months then £805.28 (variable)
for 180 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 70 or younger at mortgage end
  • No defaults
  • 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 £234,679 includes: Loan amount (£160,000); Interest (£73,916); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2026
Initial rate
2.99%then 3.99% (variable)
Fees
£763fees
Overall cost
3.4%APRC
Monthly cost
£757.91 for 120 months then £811.82 (variable)
for 180 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 70 or younger at mortgage end
  • No defaults
  • 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 £237,838 includes: Loan amount (£160,000); Interest (£77,075); Valuation fee (£280); Legal fee (£353); Funds transfer fee (£30); Mortgage discharge fee (£100); 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 West Bromwich Building Society

As a mutual organisation, the West Bromwich Building Society is managed for the benefit of its members, as opposed to being run for the benefit of shareholders looking to make a big return on their investment and pick up regular dividends.

This means that the West Bromwich Building Society, like other building societies, is usually able to offer rates on savings and mortgages that may beat some of the rates offered by the major high street retail banks.

With around half a million members, and a large network of branches across Birmingham and the Black Country, the West Bromwich Building Society also has a significant presence in Shropshire and mid-Wales.

The West Bromwich Building Society is one of the UK's major providers of financial products and services, and it leads the way regionally in Birmingham and the Black Country. The West Bromwich Building Society's most notable financial products and services include residential mortgages, savings, and investments.

Founded in the middle of the 19th century by a group of 20 locals living in the region, the West Bromwich Building Society was set up with the aim of helping people in the local area to improve their quality of living through the ability to save money and acquire financial security from having their own home.

As a mutual organisation, or building society, the West Bromwich Building Society is not just committed to benefitting its members, but also to helping the communities it works within.

The West Bromwich Building Society often works with some of the UK's leading charities to give back to the people it serves.

West Bromwich Building Society mortgages

In maintaining its principles of serving the communities and managing the organisation for the benefit of its members, the West Bromwich Building Society's mortgages are designed according to the varying desires of its customers.

While some homeowners will be concerned about any changes to the interest rate giving them potentially more to pay on their monthly mortgage repayments, the West Bromwich Building Society offers a range of fixed rate deals, which could help keep the costs down over either two or five years.

The West Bromwich Building Society also offers mortgage deals for first time buyers, as well as home movers and those looking to switch their mortgage from a different provider.

Being a mutual organisation often means that the rates on the mortgages available will be highly competitive in comparison with the big retail banks, which are listed on the stock exchange. The West Bromwich Building Society prides itself on its competitive mortgage rates, which can be arranged to a suit a variety of financing needs.

Use our West Bromwich Building Society mortgages comparison table above to help find a mortgage best suited to you.

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