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National Counties Building Society is one of the UK’s largest building societies offering financial services to customers across England and Wales. They provide mortgages for first time buyers, current homeowners and buy to let landlords.

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Mortgage type
Initial rate term
Call NatWest 0800 096 1616
NatWest logo
Fixed Jan-2022 From NatWest
Initial rate 1.28% Jan-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
Market Leading 2 Year Fixed Rate. Interest Only Option
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Jan-2022 From Virgin Money
Initial rate 2.19% Jan-2022
Maximum LTV 90%
Overall cost of comparison 4.5% APRC
See deal
£500 Cashback
£500 Cashback with this 10% Deposit Deal from Virgin Money
Call Post Office 0808 178 6813
Post Office logo
Fixed Nov-2021 From Post Office
Initial rate 1.27% Nov-2021
Maximum LTV 60%
Overall cost of comparison 4.2% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Jan-2022 From Royal Bank Of Scotland
Initial rate 1.28% Jan-2022
Maximum LTV 60%
Overall cost of comparison 3.9% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Nov-2021 From Post Office
Initial rate 1.46% Nov-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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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".

Mortgage details

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Overall cost for comparison:
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To find out more, call on

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

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Compare National Counties mortgages

National Counties Building Society offers a variety of different types of mortgage to suit the unique borrowing requirements and financial circumstances of its customers.

First Time Buyer mortgages

To help first time buyers get a foot on the property ladder, National Counties offer a Family Mortgage which allows close relatives to help out. This type of mortgage lets family members use their own savings and properties as security to help secure the mortgage for those who can’t raise enough money for a normal deposit.

Buy to Let mortgages

If you already own your own home and are interested in becoming a landlord or expanding an existing rental portfolio, a buy to let mortgage can allow you to do this. With National Counties you can borrow up to 70% of a property’s value as a buy to let mortgage, although the amount you can borrow may also depend on the monthly rental income of the property.

Remortgaging with National Counties Building Society

If you want to reduce your monthly payments or increase your borrowing, remortgaging can be an attractive option. This can allow you to take out a new mortgage at a lower rate or interest, or borrow more, so that when you pay off your existing mortgage you end up with lower monthly payments or a lump sum left over.

Second charge mortgages

If you need to borrow more, but don’t want to get rid of your existing mortgage, you may want to look at taking out a separate secured loan. This can allow you to borrow money at attractive rates without interfering with your existing mortgage. You may be able to take your combined borrowing up to as much as 90% of your property’s value with a so-called second charge mortgage.

Loan to value ratio

The amount of debt you can secure against a property will tend to depend on your income and the relevant loan to value (LTV) ratio. This is a way of showing how much the amount you want to borrow is relative to the market value of your property.

So, if you want to borrow £50,000 secured on a property worth £100,000, this would work out to an LTV of 50%. In general, you will tend to be offered better interest rates on loans with a lower LTV, so this is worth bearing in mind when considering how much you need to borrow.

Find the best deals on mortgage rates

Finding the best deals available of mortgages can be time consuming and stressful, which is why we offer a free mortgage calculator to take some of the hassle out of the equation. The calculator matches your borrowing requirements with top offers from across the industry, allowing you to quickly and easily find a mortgage deal that works for you. Head to the top of the page to try it out.

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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