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National Counties Building Society

The National Counties Building Society operates from Epsom in Surrey, UK. It is an independent society and is therefore not part of any larger banking group, as a mutual organisation there are no shareholders or dividends to pay from profits, the society uses profits for the benefit of members whilst keeping substantial assets available in its accounts. The society has over 63,000 customers, many of whom choose to operate their account via telephone or internet banking, in fact back in 1965 it was one of the first building societies to offer postal savings accounts, enabling members to open an account even if they did not live in the vicinity of the local branch.

The society does not use a credit scoring system to approve mortgages and each application is evaluated individually.

Fixed Rates, Discount Rates and Variable Standard Rates are all available and existing customers may be able to benefit from exclusive offers. Re-mortgages or secured loans are offered for home improvements or capital raising and existing homeowners who are looking to swap their mortgage lender will be welcomed.

If you choose a flexible, tracker or variable rate mortgage you will benefit from any changes in the Bank of England Base Rate but should remember that this can go up or down. If you choose a fixed rate then you will pay the same amount every month for the agreed offer period. Most products will charge an early repayment fee if you pay off all or part of your mortgage loan within the offer period. Interest will usually be charged annually until the end of any offer period.


National Counties Building Society Mortgage Products

Flexible mortgages: The interest rate that you pay will fluctuate and be based upon the Bank of England Base Rate. The minimum loan amount is £20,000 and the maximum is £350,000.

There may be some set up fees but you will not have to pay a penalty if you repay your mortgage before the end of the mortgage term.

Fixed mortgages: This mortgage product will provide a fixed interest rate for the agreed period. Monthly payments will remain the same throughout this time and then switch to the Standard Variable Rate. You will not be affected by any changes in the bank of England Base Rate and should remember that if this rate falls your mortgage will remain the same.

If you repay your mortgage during the fixed rate period, you will be charged an early repayment fee.

Tracker mortgages: With this product you will pay an agreed percentage above the Bank of England base rate for the first three years of your mortgage, at the end of this period you will switch to the Standard variable rate. Your monthly repayments may vary during your discount period but your discount percentage will always remain the same.

Early Repayment Charges will apply if you pay off part or whole of your mortgage loan before the end of the offer period.


I If you are interested in a mortgage quotation including those offered by National Counties Building Society please complete our quick enquiry form.

National Counties Building Society Mortgage Rates

Mortgage Type Initial Rate Subsequent Rate APR Max LTV Fees & Charges Enquire Now
Flexible variable Rate 4.89% Variable 4.89% Variable 5.1% 75% £200 Completion Fee
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3yr Fixed Rate 4.09% Fixed 4.69% Variable 4.8% 75% £995 Completion Fee
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3yr Tracker Rate 2.99% Variable 4.69% Variable 5.1% 75% £100 Reservation Fee, £795 Completion Fee
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Speak to a professional about a National Counties Building Society Mortgage