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Principality Building Society, based in Cardiff, is the largest building society in Wales. They offer mortgages for first time buyers, current homeowners and buy to let landlords.

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Principality BS logo
3.53% Fixed to 30/11/2024 From Principality BS
Initial rate 3.53%
Monthly cost £904 for 28 months
Overall cost 4.5% APRC
See deal
Principality BS logo
3.57% Fixed to 30/11/2027 From Principality BS
Initial rate 3.57%
Monthly cost £908 for 64 months
Overall cost 4.4% APRC
See deal
Principality BS logo
3.58% Fixed to 30/11/2024 From Principality BS
Initial rate 3.58%
Monthly cost £909 for 28 months
Overall cost 4.5% APRC
See deal
Principality BS logo
3.62% Fixed to 30/11/2027 From Principality BS
Initial rate 3.62%
Monthly cost £913 for 64 months
Overall cost 4.4% APRC
See deal
Principality BS logo
3.63% Fixed to 30/11/2024 From Principality BS
Initial rate 3.63%
Monthly cost £914 for 28 months
Overall cost 4.5% APRC
See deal
Principality BS logo
3.68% Fixed to 30/11/2024 From Principality BS
Initial rate 3.68%
Monthly cost £919 for 28 months
Overall cost 4.5% APRC
See deal
Principality BS logo
3.68% Fixed to 30/11/2027 From Principality BS
Initial rate 3.68%
Monthly cost £919 for 64 months
Overall cost 4.4% APRC
See deal
Principality BS logo
3.73% Fixed to 30/11/2027 From Principality BS
Initial rate 3.73%
Monthly cost £923 for 64 months
Overall cost 4.4% APRC
See deal
Principality BS logo
3.73% Fixed to 30/11/2024 From Principality BS
Initial rate 3.73%
Monthly cost £923 for 28 months
Overall cost 4.5% APRC
See deal
Principality BS logo
3.73% Fixed to 30/11/2024 From Principality BS
Initial rate 3.73%
Monthly cost £923 for 28 months
Overall cost 4.5% 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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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 Principality Building Society mortgages

If you are interested in taking out a mortgage with Principality Building Society you should familiarise yourself with all the different kinds of mortgages they offer so you can make an informed choice.

First Time Buyer mortgages

The Principality is willing to lend first time buyers up to 95% of the value of their first home to help them get a foot on the property ladder. Their mortgages for first time buyers are generally offered with fixed interest rates for an introductory period to help new homeowners better plan their finances.

Buy to Let mortgages

If you want to buy a property to rent out, Principality Building Society will let you borrow up to 75% of the property’s value as a buy to let mortgage. The amount you can borrow will also depend on the monthly rental income of the property which should equal at least 125% of the monthly interest only payments on the mortgage.

Remortgaging with Principality Building Society

Moving your mortgage to the Principality can let you get a better deal on your interest rate, thus reducing your monthly expenditure. It could also allow you to borrow more, leaving you with spare cash for home improvements or other approved expenditures.

Second charge mortgages

If you are happy with your current mortgage deal, but still need to borrow more, a second charge mortgage can be a viable solution. This allows you to take out a secured loan which is entirely separate to your existing mortgage, so you can unlock extra capital from your property without interfering with your existing mortgage.

Loan to value ratio

Loan to value (LTV) ratio is a metric lenders use to show how much you will be able to borrow with different types of mortgages. LTV is the percentage of a property’s market value you will be able to get as a loan.

So, if you want to buy a £100,000 property and your lender offers you a mortgage with an LTV of 70%, this means they are willing to lend you up to £70,000. The balance, £30,000 in this instance, is what you need to pay upfront as a deposit.

Find the best deals on mortgage rates

It is highly advisable to compare as many different mortgage products as possible from a variety of different lenders before choosing which to apply for. This will give you a much better idea of the range of available options so you can be confident you are getting a good deal.

Our mortgage calculator makes it easy to compare the different offers available from across the market all in one place. Simply head to the top of the page and enter some basic information about your borrowing needs. The calculator will then show you appropriate deals from different top lenders so you can choose the one that offers the best value for you.

A-Z Principality BS Mortgages

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