Products at a Glance

At the Monmouthshire Building Society we offer a competitive range of mortgage products, coupled with a personal, flexible approach.

We offer various types of mortgage products suitable for residential house purchase and remortgage, Buy to Let borrowing and other specialist areas. Our Standard Variable Rate is currently 4.99%.

2 YEAR DISCOUNT MORTGAGES (Variable Rate)

Product Term (code) Initial
Interest
Rate %
Overall cost
for
comparison
Maximum Loan to Value* Product Fee Product Features More
2 Year
(D216)
1.72% 4.5% APRC 65% Nil
  • G
  • M
  • MINMAX
  • ERC
  • CAP
2 Year
(D217)
1.60% 4.5% APRC 80% 995
  • G
  • M
  • MINMAX
  • ERC
  • CAP
2 Year
(D218)
1.85% 4.6% APRC 90% 995
  • LOW
  • G
  • R
  • MINMAX
  • ERC
  • CAP
2 Year
(D219)
3.14% 4.8% APRC 95% Nil
  • LOW
  • G
  • R
  • MINMAX
  • ERC
  • CAP

HOUSE PURCHASE ONLY - FIXED RATE MORTGAGES

2 Year
(F433)
1.35% 4.5% APRC 80% 999
  • G
  • M
  • MINMAX
  • ERC
  • CAP
2 Year
(F434)
1.95% 4.6% APRC 80% Nil
  • G
  • M
  • MINMAX
  • ERC
  • CAP
2 Year
(F447)
1.93% 4.7% APRC 90% 999
  • G
  • R
  • MINMAX
  • ERC
  • CAP
2 Year
(F448)
2.30% 4.7% APRC 90% Nil
  • G
  • R
  • MINMAX
  • ERC
  • CAP
2 Year
(F445)
3.65% 4.9% APRC 95% Nil
  • LOW
  • G
  • R
  • MINMAX
  • ERC
  • CAP
2 Year
(F446)
4.05% 5.0% APRC 95% Nil
  • LOW
  • G
  • R
  • MINMAX
  • ERC
  • CAP
  • CASH

HOUSE PURCHASE ONLY - 5 YEAR FIXED RATE MORTGAGES

5 Year
(F439)
1.94% 3.8% APRC 65% 999
  • G
  • R
  • M
  • MINMAX
  • ERC
  • CAP
5 Year
(F440)
2.14% 3.9% APRC 65% Nil
  • G
  • R
  • MINMAX
  • ERC
  • CAP
5 Year
(F449)
2.06% 4.0% APRC 80% 999
  • G
  • M
  • MINMAX
  • ERC
  • CAP
5 Year
(F397)
2.39% 4.1% APRC 80% Nil
  • G
  • M
  • MINMAX
  • ERC
  • CAP
5 Year
(F396)
2.67% 4.3% APRC 90% 999
  • LOW
  • G
  • R
  • MINMAX
  • ERC
  • CAP
5 Year
(F450)
2.93% 4.3% APRC 90% Nil
  • LOW
  • G
  • R
  • MINMAX
  • ERC
  • CAP
5 Year
(F451)
4.14% 4.8% APRC 95% Nil
  • LOW
  • G
  • R
  • MINMAX
  • ERC
  • CAP
5 Year
(F400)
4.24% 4.9% APRC 95% Nil
  • LOW
  • G
  • R
  • MINMAX
  • ERC
  • CAP
  • CASH

Your home may be repossessed if you do not keep up payments on your mortgage.
Think carefully before securing other debts against your home.

Key to Product Features

Please place your cursor over the icons in the table above for product specific information.

  • Low Deposit
  • Geographical restrictions apply as stated in the product features
  • Free standard valuation fee for properties up to 1million
  • Repayment Only Mortgage
  • Mixed Repayment/Interest only mortgages will be considered but the interest only element cannot exceed 50% LTV. This only applies to new borrowers, with existing borrowers being allowed to transfer their existing interest only loan if they move house. Any additional borrowing must be on a repayment basis.
  • You will not have to pay the usual legal fees in securing your new mortgage if our appointed solicitors are used. Our solicitor acts for the Society only to ensure we have good legal claim over your property. (You will have to pay for any additional legal work that the solicitors do which is beyond the usual scope of a simple remortgage). For example, change of your name, transfers of equity, deeds of postponement, merger of freehold and leasehold, remedy of any title defect, etc.
  • Minimum/Maximum Loan Size
  • Early Repayment Charge will apply
  • No Early Repayment Charge.
  • Capital Repayments allowed as stated in the product features
  • Capital Raising or Debt Consolidation facility apply as stated in the product features.
  • Cashback payable on completion of your purchase

*The maximum Loan to Value is the amount of a mortgage loan expressed as a percentage of the purchase price or valuation, whichever is the lower.

** The follow on interest rate displayed above is the Society's current standard variable rate, which can change at any time in the future.

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