90% LTV Joint Borrower Sole Proprietor

  • Joint Borrower, Sole Proprietor allows up to four incomes on your mortgage application (this must be a parent(s) or grandparent(s)), to help you increase your borrowing capacity
  • Only available when one or more applicants will be party to the mortgage but not party to the deeds
  • All applicants who will not be party to the deeds must receive independent legal advice
  • You'll know exactly what your payments are each month during the fixed period
  • You're able to borrow up to 90% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a minimum of £5,000 and a maximum of £650,000
  • Not available for re-mortgages

Ways to start your application

Our contact centre is open 9am to 5pm Monday to Friday and 9am to 1pm on Saturday and our branches are located across Wales and the borders, find a branch.

Start your mortgage enquiry online

Call us on 03303334002

Request an appointment at branch



3.98% p.a.

Fixed until 30/11/2024

4.15% p.a.

Then changing to our Standard Variable Rate (SVR) less a discount of 0.50% until 30/11/2027

4.65% p.a.

Our current Standard Variable Rate (SVR)

4.5% APRC

The overall cost for comparison


Maximum Loan to Value (LTV)

Product Fee £0
Mortgage Commitment Fee £0
Early Repayment Charge Please click on the Fees & Charges tab for details
Maximum Loan £650,000
Important information

Important information

This fixed rate mortgage is available for owner-occupied residential properties in England or Wales. This fixed rate mortgage is a limited offer and can be withdrawn at any time. Although the interest rate will not rise before the end of the fixed rate period, other factors may result in your payments increasing before this date e.g. unpaid amounts being debited to your account.

  • Drawdown
    There is no drawdown facility with this product.
  • Payment holiday
    There is no payment holiday facility with this product.
  • Overpayment
    There is an overpayment facility with this product.
  • Underpayment
    There is no underpayment facility with this product.
  • Borrow back
    There is no borrow back facility with this product.
Fees & charges

Fee, charges and incentives

  • Product fees
  • Valuation fees
    The Principality Building Society will bear the cost of a Report and Valuation for Mortgage Purposes Only.
  • Legal fees
    There is no help with legal fees with this product.
  • Mortgage Commitment Fee
    There is no Mortgage Commitment Fee.
  • Early Repayment Charges
    You will incur an early repayment charge of 2% of the amount repaid if you repay in full on or before 30/11/2023 and 1.5% of the amount repaid if you repay in full after 30/09/2023 and on or before 30/11/2024.
  • Cashback
    There is no cashback facility with this product.

A mortgage of £130,000 payable over 30 years initially on a fixed rate for 2 years at 2.05% and then on our standard variable rate of 4.65% (variable) for the remaining 28 years would require 24 monthly payments of £483.76 and 336 monthly payments of £658.48. The total amount payable would be £232,932.52 made up of the loan amount plus interest (£102,932.52), a product fee (£0.00), valuation fee (£0.00), telegraphic transfer fee (£8.00) and discharge fee (£65.00). The overall cost for comparison is 4.3% APRC representative.

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  • A mutual building society, owned by and run for the benefit of our 500,000 members
  • Over 160 years experience
  • Taking care of over £10 billion of our customers' assets
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