Stafford Railway Building Society

Stafford Railway Building Society

An Individual Approach to Lending

We have been offering mortgages for over 140 years lending throughout England and Wales. We operate from a single site in the centre of Stafford, which means there are no call centres. You will always be able to contact a member of our mortgage team directly and can discuss your quirky cases with an underwriter directly.

Celebrating the Niches

We understand that not every case is conventional, and with the ever-changing way mortgage customer are choosing to work, live and expand their portfolios, we are here to help the unconventional. We also credit check not score all our mortgage applications.

We specialise in the following areas.

Ex Pat Buy to Lets

• We lend in a wide range of countries including Australia, Hong Kong and Dubai
• New build houses and flats up to 70% LTV
• Holiday lets up to 70%

New Build

• 90% LTV on all houses and Flats
• Builder incentives and builder gifted deposits
• Section 106’s and over 55’s apartments

Complex Income

• Manual underwriting of every case
• Retained profits (previous financial year only)
• Multiple income streams

Self Build (Through Buildstore)

• 85% LTV for purchase of land and property
• Renovations and structure conversions
• Interest only available during the build
   

Our Products:

You can find further details on our range of products by visiting our dedicated Intermediary website

Useful Links

Lending Criteria

Affordability Calculator

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