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Monmouthshire Building Society is a Welsh building society which mainly operates in the M4 corridor from Chepstow to Swansea. They offer mortgages for homeowners, first time buyers and landlords.

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Mortgage type
Initial rate term
Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2021 From Post Office
Initial rate 1.43% Sep-2021
Maximum LTV 60%
Overall cost of comparison 4.2% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Fixed Oct-2021 From Royal Bank Of Scotland
Initial rate 1.49% Oct-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2021 From Virgin Money
Initial rate 1.72% Nov-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2021 From Post Office
Initial rate 1.77% Sep-2021
Maximum LTV 75%
Overall cost of comparison 4.1% 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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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.

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Compare Monmouthshire Building Society mortgages

Different types of mortgages come with different benefits and restrictions, including how much you can borrow and the kind of interest rates you are likely to be charged. Getting the right one for you means making sure you know which best suits your borrowing needs and personal circumstances.

First Time Buyer mortgages

Monmouthshire Building Society offers mortgages of up to 95% for first time buyers, making it much easier for them to raise the deposit compared to for a normal mortgage. They are also involved in the government’s Help to Buy – Wales scheme, providing further support for first time homeowners.

Buy to Let mortgages

You can borrow up to 75% of a property’s value in order to buy it to rent out with Monmouthshire Building Society. The amount you can borrow may also be influenced by the market rate of rent on your property. Your lender is likely to want the monthly rental income to exceed the monthly interest only mortgage payments on your property.

Remortgaging with Monmouthshire Building Society

Switching your mortgage to Monmouthshire Building Society could help you lower your monthly repayments, if you can get a better deal than on your existing mortgage. It may also allow you to borrow more, leaving you with a lump sum spare once your old mortgage is paid off.

Second charge mortgages

If you need to increase your borrowing, to cover home improvements or for other purposes, you may want to consider taking out a second charge mortgage. This is a secured loan, separate to your existing mortgage, which can be a cheaper way to borrow if you already have a good deal on your mortgage that you don’t wish to give up.

Loan to value ratio

If you are wondering how you much will be able to borrow, two of the most important determiners are your income and your loan to value (LTV) ratio. This is a term for what percentage of your property’s market value you will be able to borrow.

So, if you are looking at a mortgage on a property worth £100,000 and your lender is willing to give you an LTV of 70%, then you will be able to borrow up to £70,000. In general, the lower your LTV, the better interest rates you are likely to get.

Find the best deals on mortgage rates

To get a good deal on your mortgage you need to be able to compare the features of as many different products as possible, in particular the interest rates they charge. Our mortgage calculator allows you to do this quickly and easily, showing you the best deals that match your requirements from all the top providers.

To use our mortgage calculator, simply head to the top of the page and plug in some basic details, including how much you need to borrow and how long for. The mortgage calculator will do the rest, allowing you to find a great deal without the hassle.

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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