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Mortgages

Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Buying a new home or re-mortgaging are big, important events in life. For 140 years we have been offering mortgages that meet members’ specific needs and constantly innovating to meet the changing markets. As well as a wide range of different products, our vast experience means we can guide you through the house-buying process. Our Mortgage Unit is available 8am to 8pm Monday to Friday and 9am to 5pm Saturday. We’ll help you choose the right product for your circumstances or advise you of the best mortgage for your individual needs and circumstances. **

Why choose Leeds Building Society for your mortgage?

  • No upfront application fees
  • Over 130 products in our range
  • A community of over 196,000 mortgage customers
  • More than 28,000 mortgages processed in 2016 alone
  • Customer overall satisfaction rating of 91% (between December 2016 & February 2017*)
  • Wide range of multi award-winning mortgages, including specialist products

*Data collected from 2,068 respondents between December 2016 and February 2017 by ORC International on behalf of Leeds Building Society.

**If you apply for a mortgage online you will not receive advice from Leeds Building Society. You will need to make your own choice about which mortgage is suitable for you and we will not assess the suitability of that mortgage to your needs and circumstances. You will not benefit from the protections offered by an advised service. This is called an execution only transaction. If you would like to receive guidance from us please call our Direct Mortgage Unit on 03444 175 785. We’re open 8am to 8pm Monday to Friday and 9am to 5pm Saturday.

Existing Customers

Is your initial mortgage deal coming to an end?
Are you currently on our Standard Variable Rate (SVR)?

If so, then you may be able to save money by switching to one of our mortgages specifically created for existing customers.

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Already have a mortgage with us?

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Mortgage Calculator

Get a quick estimate of what your monthly payments will be for one of our mortgages

Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Our Mortgage Types

  • Avoid any surprises with our fixed rate mortgages. Your payments will stay the same for a fixed term, after which your mortgage switches to the Society’s Standard Variable Rate (SVR) for the remaining mortgage term. Rates may vary but yours will be fixed.

    Features include:

    • Fixed interest rate for set term, although if interest rates go down you will not benefit from any reduction.
    • Interest rate you are charged is guaranteed for the fixed term.
    • Peace of mind as you know exactly how much you will be paying each month.
    • Tapered early repayment charges will apply for the duration of the fixed rate period.
    View fixed rate products

  • Choose from our range of tracker mortgages, where your interest rate is a fixed percentage above the Bank of England’s Base Rate for a fixed period of time and then changes to the Society’s SVR for the remaining mortgage term.

    Features include:

    • Varying interest rates, which means that payments will go up and down in line with the Bank of England’s Base Rate.
    • Chance to overpay when rates are low (subject to product terms and conditions).
    • These products are only available for house purchases or for customers remortgaging from another lender, and must be applied for on a repayment basis.
    • Tapered early repayment charges will apply for the duration of the tracker rate period.
    View tracker products

  • Our discount mortgages give you a discount off our SVR for a fixed period of time.

    Features include:

    • Lower interest rate for a fixed period.
    • These products are only available for house purchases or those remortgaging from another lender.
    • The discounted interest rate may go up or down during the fixed period, but will be lower than our SVR. At the end of the discounted period, your mortgage switches to our SVR for the remaining mortgage term.
    • Tapered early repayment charges will apply for the duration of the discounted rate period.
    View discounted rate products

  • We have a range of variable rate mortgages, including our SVR, Buy to Let Variable Rate and Offset Variable Rate. Please be aware that variable rates may vary in accordance with our mortgage terms and conditions.

    Features include:

    • Range of rates available depending on your circumstances.
    • Unlimited capital repayments allowed.
    View variable rate products

  • Increase your property portfolio with our Buy to Let mortgages. They are available for house purchases or those looking to remortage.

    Features include:

    • Wide range of options available.
    • Fees assisted option available.
    • Tapered early repayment charges will apply for the duration of any fixed rate or discounted rate period.
    View buy to let products

  • Get your foot on the ladder with a reduced initial deposit, and potential to purchase additional shares when you can afford to.

    Features include:

    • Smaller deposit required than most mortgages.
    • Great for first time buyers.
    • With our shared ownership products you can purchase a % of the property but you can purchase up to 100% in the future.
    • Tapered early repayment charges will apply for the duration of any fixed rate or discounted rate period.
    View shared ownership & shared equity products

  • Our unique Welcome mortgages are designed to help you purchase your home and still have money left for those improvements.

    Features include:

    • Introductory interest rate for up to 6 months.
    • Choose from a 2, 3 or 5 year fixed rate to apply after the introductory rate, after which your mortgage switches to our SVR for the remaining mortgage term.
    • These products are only available for house purchases and must be applied for on a repayment basis.
    View welcome mortgage products

  • Helping you afford that second home for holiday rentals, with our Holiday Let mortgages.

    Features include:

    • Dedicated range of mortgages for holiday lettings.
    • Fixed rates available.
    • Tapered early repayment charges will apply for the duration of any fixed rate or discounted rate period.
    View holiday let products

Need help deciding on a mortgage product?

View our Mortgage guide
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cuRIOus about our new Retirement Interest Only mortgages? Please contact a mortgage broker who can discuss how this new way of borrowing in retirement might work for you. At present we cannot provide these mortgages directly

Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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