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The Saffron Building Society is based in the East of England with branches across Cambridgeshire, Essex, Hertfordshire, Suffolk and London. They offer mortgage products for homeowners, first time buyers, self-builders and buy to let landlords.

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Compare Saffron Building Society mortgages

Choosing the right mortgage for you means making sure you are familiar with all of the different options available. The following are some of the types of mortgage products Saffron Building Society offers to its customers.

First Time Buyer mortgages

Using the government’s Help to Buy scheme, you can take out a mortgage with Saffron Building Society with a deposit of as little as 5% of a property’s value. This makes it much easier for first time buyers to raise the necessary funds to buy their first home.

Self build mortgages

Most lenders will not offer standard mortgages to self-builders as there is nothing of sufficient value to secure the loan against before the property is complete. Self build mortgages are a dedicated form of lending for building your own home where the funds are released in stages as the build progresses. This can also help keep costs down as you do not start paying interest on funds until you need them.

Buy to Let mortgages

Saffron Building Society will lend up to £1.5million to new and existing landlords to buy property for rental purposes. The amount you can borrow will depend on the monthly rental income of the property. The amount you take in rent must equal at least 25% more than your monthly repayments.

Remortgaging with the Saffron Building Society

Looking to cut your monthly mortgage payments? Or perhaps you need to borrow more to fund home improvements or another important purchase? Switching your mortgage to Saffron Building Society could allow you to get a better deal on your mortgage or increase your borrowing, leaving you with lower monthly repayments or a spare lump sum once your old mortgage is paid off.

Loan to value ratio

When comparing different mortgage deals, one of the key things to look at is the loan to value (LTV) ratio that they offer. This shows you, as a percentage, how much of a property’s value you will be able to borrow with each specific type of mortgage.

For example, apply for a mortgage with a 70% LTV for a house selling for £100,000 and you should be able to borrow up to £70,000. It is worth bearing in mind that you will usually be offered more competitive interest rates on mortgage deals with a lower LTV.

Find the best deals on mortgage rates

To get the best value possible with your mortgage, you need to compare as many different lenders and mortgage products as you can. This can be time consuming and confusing, giving you a lot of different websites and information to sift through to find what you need.

Our free mortgage calculator makes things much easier. All you have to do is put in some basic information about your borrowing needs and we will match you up with appropriate deals from leading mortgage providers. You can then quickly compare their different features to find the best deal for you. Head to the top of the page to try it out.

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