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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Fixed Rate Mortgages What is a fixed rate mortgage?

Initial rate Terms Then changing to SVR currently Overall cost for comparison Product Fee Mortgage Commitment Fee More details
2 Year Fixed Rate 1.8% Until 31/12/2016 4.99% 4.8% APR £1395 £99 More about this product

What our 2 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 2 years
  • You're able to borrow up to 65% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

2 Year Fixed Rate 1.9% Until 31/12/2016 4.99% 4.8% APR £895 £99 More about this product

What our 2 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 2 years
  • You're able to borrow up to 65% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

2 Year Fixed Rate 2.3% Until 31/12/2016 4.99% 4.8% APR £0 £99 More about this product

What our 2 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 2 years
  • You're able to borrow up to 65% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

2 Year Fixed Rate 2.05% Until 31/12/2016 4.99% 4.8% APR £895 £99 More about this product

What our 2 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 2 years
  • You're able to borrow up to 75% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

2 Year Fixed Rate 2.4% Until 31/12/2016 4.99% 4.8% APR £0 £99 More about this product

What our 2 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 2 years
  • You're able to borrow up to 75% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

2 Year Fixed Rate 2.3% Until 31/12/2016 4.99% 4.8% APR £895 £99 More about this product

What our 2 Year Fixed Rate Mortgage means to you;

  • You have the certainty of a fixed interest rate for 2 years
  • You're able to borrow up to 85% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £250,000

2 Year Fixed Rate 2.65% Until 31/12/2016 4.99% 4.8% APR £0 £99 More about this product

What our 2 Year Fixed Rate Mortgage means to you;

  • You have the certainty of a fixed interest rate for 2 years
  • You're able to borrow up to 85% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £250,000

3 Year Fixed 2.2% Until 31/12/2017 4.99% 4.6% APR £1395 £99 More about this product

What our 3 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 3 years
  • You're able to borrow up to 65% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

3 Year Fixed Rate 2.3% Until 31/12/2017 4.99% 4.6% APR £895 £99 More about this product

What our 3 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 3 years
  • You're able to borrow up to 65% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

3 Year Fixed Rate 2.5% Until 31/12/2017 4.99% 4.7% APR £0 £99 More about this product

What our 3 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 3 years
  • You're able to borrow up to 65% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

3 Year Fixed 2.7% Until 31/12/2017 4.99% 4.7% APR £895 £99 More about this product

What our 3 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 3 years
  • You're able to borrow up to 85% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £250,000

3 Year Fixed Rate 2.9% Until 31/12/2017 4.99% 4.7% APR £0 £99 More about this product

What our 3 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 3 years
  • You're able to borrow up to 85% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £250,000

5 Year Fixed 3.05% Until 31/12/2019 4.99% 4.5% APR £0 £99 More about this product

What our 5 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 5 years
  • You're able to borrow up to 65% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

5 Year Fixed 3.15% Until 31/12/2019 4.99% 4.6% APR £0 £99 More about this product

What our 5 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 5 years
  • You're able to borrow up to 75% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

5 Year Fixed 3.8% Until 31/12/2019 4.99% 4.7% APR £0 £99 More about this product

What our 5 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 5 years
  • You're able to borrow up to 85% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £250,000

Affordable Housing 5 Year Fixed 4.2% Until 31/12/2019 4.99% 5.0% APR £895 £99 More about this product

What our 5 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 5 years
  • You're able to borrow up to 75% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £250,000

Affordable Housing 5 Year Fixed 4.3% Until 31/12/2019 4.99% 4.9% APR £0 £99 More about this product

What our 5 Year Fixed Rate Mortgage means to you;

  • You'll know exactly what your payments are each month
  • You have the certainty of a fixed interest rate for 5 years
  • You're able to borrow up to 75% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £250,000

Discount Mortgages What is a Discounted Mortgage?

Initial rate Terms Then changing to SVR currently Overall cost for comparison Product Fee Mortgage Commitment Fee More details
Non-Flexible 2 Year Discount 1.5% 3.49% discount until 31/12/2016 4.99% 4.7% APR £895 £99 More about this product

What our 2 Year Discount Mortgage means to you;

  • Your rate will be a discount on our SVR for the first 2 years
  • You're able to borrow up to 65% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

Non-Flexible 2 Year Discount 1.95% 3.04% discount until 31/12/2016 4.99% 4.7% APR £0 £99 More about this product

What our 2 Year Discount Mortgage means to you;

  • Your rate will be a discount on our SVR for the first 2 years
  • You're able to borrow up to 65% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

Non-Flexible 2 Year Discount 1.65% 3.34% discount until 31/12/2016 4.99% 4.7% APR £895 £99 More about this product

What our 2 Year Discount Mortgage means to you;

  • Your rate will be a discount on our SVR for the first 2 years
  • You're able to borrow up to 75% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £500,000

Non-Flexible 2 Year Discount 1.9% 3.09% discount until 31/12/2016 4.99% 4.8% APR £895 £99 More about this product

What our 2 Year Discount Mortgage means to you;

  • Your rate will be a discount on our SVR for the first 2 years
  • You're able to borrow up to 85% of the value or purchase price of your property (LTV)  
  • You're able to borrow up to a maximum of £250,000

2 Year Discount 2.3% 2.69% discount until 31/12/2016 4.99% 4.8% APR £0 £99 More about this product

What our 2 Year Discount Mortgage means to you;

  • Your rate will be a discount on our SVR for the first 2 years
  • You're able to borrow up to 85% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £250,000

Mortgages

Whether you are a first time buyer, moving house, remortgaging your home or expanding your property portfolio. We can help you find the right mortgage to suit your budget.

Find the right mortgage to suit your budget.

  • Fixed rate mortgages offer a fixed interest rate for a set period of time. This means your monthly mortgage repayment doesn’t change regardless of whether interest rates rise or fall, during the fixed.
  • Discount mortgages are variable rate mortgages offering a discount against our Standard Variable Rate (SVR) for a set period of time. The interest rate will change as our SVR changes.
  • Tracker mortgages are variable rate mortgages linked to the Bank of England Bank Rate (also known as the base rate) which means your mortgage rates will increase or decrease as the Bank Rate changes. When the interest rate decreases, you benefit from lower monthly repayments, when interest rates go up your monthly repayment will increase.
  • We offer Buy to let mortgages for new and experienced property investors.

At the end of a fixed, discount, or tracker mortgage period, mortgage rates will revert to the Standard Variable Rate (SVR).

Mortgage Rates

Principality offers a range of competitive mortgages, with a variety of features and benefits including:

  • Mortgages with fixed or discounted interest rates
  • Tracker mortgages with rates linked to the Bank of England Bank Rate
  • Borrow up to 90% of the value of your property (selected mortgages only)
  • Flexible features including: payment holidays, overpayment and underpayment facilities that allow you to adjust your mortgage repayments to accommodate your budget (conditions apply)
  • Fee Saver mortgages – without product, legal or report and valuation fees (available on selected mortgages only)

Mortgage Calculator

Buying a property is an important financial decision. Whether you are buying your own home, or a property to rent our mortgage calculator helps you work out the costs. Quick and easy to use, it helps you calculate the maximum amount you can borrow and monthly mortgage repayments.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

This website is only for use in the UK and the products and services on it are only available to you if you are a UK resident. Mortgages are only available on properties in England and Wales.

To help us maintain our service and security standards, telephone calls may be monitored or recorded. Your personal details may be used to contact you about your application.

Principality Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, reference number 155998.