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Manchester Building Society offers various types of mortgages for customers including first time buyers and existing homeowners. MBS does not offer mortgages directly to customers, instead their mortgages are only available through mortgage advisors.

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Mortgage type
Initial rate term
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.54% Mar-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
No Valuation & Legal Fees
FREE legal & valuation fees!
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.67% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2022 From Virgin Money
Initial rate 1.78% Mar-2022
Maximum LTV 65%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.82% Mar-2021
Maximum LTV 80%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.84% Jan-2021
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2024 From NatWest
Initial rate 1.94% Mar-2024
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.95% Jan-2021
Maximum LTV 85%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.98% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2024 From Virgin Money
Initial rate 2.01% Mar-2024
Maximum LTV 65%
Overall cost of comparison 3.8% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Mortgage Quotes & Advice

Our independent mortgage service provides:

  • FREE initial mortgage consultation
  • Access to exclusive mortgage deals not available on the high street
  • A dedicated mortgage adviser and case handler to deal with your mortgage from enquiry to completion

"Our mortgage team is committed to providing you with an excellent mortgage service". Adam Arnott, Head of Mortgages & Protection.

Mortgage details

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Initial rate period:
Overall cost for comparison:
Maximum loan to value:
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To find out more, call on

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Lines are open:
Mon: 8am - 8pm
Tue: 8am - 8pm
Wed: 8am - 8pm
Thu: 8am - 8pm
Fri: 8am - 8pm
Sat: 9am - 4pm
Sun: Closed
Calls may be recorded

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

Please make sure you meet the following criteria:

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

Compare Manchester Building Society mortgages

Manchester Building Society’s mortgages are tailored to different kinds of customer. Which will offer the best match for your needs will depend on your personal circumstances and specific borrowing needs.

First Time Buyer mortgages

With house prices having risen so significantly in recent years, many first time buyers struggle to make it onto the property ladder. First time buyer mortgages are intended to make things a little easier by offering various advantages to those looking to buy their first home.

First time buyer mortgages often allow borrowers to buy a property with a deposit of as little as 5%. They may also offer reduced repayment rates for an introductory period and may allow a close relative to stand as guarantor for the mortgage to help mitigate the risk for the lender.

Remortgaging with Manchester Building Society

If you feel you are not getting a good deal on your mortgage or need to find an affordable way to increase your borrowing, remortgaging is worth considering. It can allow you to pay off your existing mortgage with a new one offering lower monthly payments or leaving you with a spare lump sum if you choose to borrow more.

Second charge mortgages

Remortgaging is not always the cheapest option when it comes to increasing your borrowing against your property. Taking out a separate secured loan can make more sense if you are already getting a good deal on your current mortgage. You can often take your total borrowing up to as much as 90% of the value of your home with a second charge mortgage.

Loan to value ratio

Mortgage providers look at two main things when deciding how much to lend – the income of the borrower or borrowers and the loan to value (LTV) ratio. LTV is a way of showing how much the mortgage is relative to the market value of the property. It is expressed as a percentage.

So, if you borrow £50,000 on a property worth £100,000, this gives an LTV of 50%. The lower your LTV, the better interest rates you will tend to be offered. LTV takes into account all borrowing secured against a property. So if you already have a mortgage, then seek to borrow more as a separate loan, both the value of the loan and the value of the mortgage will be combined when calculating the LTV.

Find the best deals on mortgage rates

Knowing which mortgage provider and product offers the best deal for you can be difficult, which is why we offer an easy-to-use mortgage calculator to make things simpler. Enter some basic details about your borrowing needs and we will match you with our pick of the best mortgage deals from across the market. That way you can easily compare and contrast the different offer available without the hassle of checking each provider individually yourself.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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