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Compare Vernon Mortgages. Vernon Building Society is based in Stockport, Greater Manchester and provides mortgages for homeowners, first time buyers and buy to let landlords.

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Mortgage type
Initial rate term
Call NatWest 0800 096 7889
NatWest logo
Fixed Dec-2022 From NatWest
Initial rate 1.38% Dec-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
Interest only option.
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Jan-2023 From Virgin Money
Initial rate 1.24% Jan-2023
Maximum LTV 65%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Dec-2022 From Royal Bank Of Scotland
Initial rate 1.38% Dec-2022
Maximum LTV 60%
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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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 Vernon Building Society mortgages

To get a sense of which type of mortgage will be a good fit for your borrowing needs and personal circumstances, take a look at the following information on the types of mortgages offered by Vernon Building Society.

First Time Buyer mortgages

If you are planning to buy your first home, you could borrow up to 95% of its value with a first time buyer mortgage from Vernon Building Society. This means you only need to save as little as 5% of the property’s value to be able to move forward with your purchase.

Buy to Let mortgages

If you are thinking about buying a house to rent out or are an existing landlord looking to expand your portfolio, you could consider a buy to let mortgage with Vernon Building Society. The amount you can borrow will be linked to the value of the property and may depend on its monthly rental value as well.

Offset mortgages

An offset mortgage allows you to link your mortgage to one, or several, bank account/s. This allows you to use any money held in the linked accounts to offset the balance owed on your mortgage.

So, if you have a mortgage for £100,000 and have £20,000 in a linked account, you will only pay interest on £80,000, not the full £100,000. This can reduce your monthly interest payments and help you pay off your mortgage sooner.

Remortgaging with the Vernon Building Society

If you need to increase your borrowing against your home, you could unlock up to 90% of its value by transferring your mortgage to Vernon Building Society. Alternatively, you could keep your borrowing the same, but cut your monthly repayments by getting a mortgage with lower interest rates or spread over a longer period.

Loan to value ratio

To see whether a particular mortgage is likely to offer enough money for your needs, it is important to consider the relevant loan to value (LTV) ratio. This tells you how much you can borrow with a specific mortgage product relative to the value of any given property.

So, if you see a mortgage offering 70% LTV, this means you will be able to borrow up to 70% of a property’s market value with that mortgage. For example, on a £100,000 property you would be able to borrow up to £70,000. Lenders will usually offer better rates on mortgages with a lower LTV.

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Our mortgage calculator offers a fast, free and easy way to check mortgage deals from all the leading providers. That way you can compare interest rates and features from various lenders to see which best fit your requirements.

Simply head to the top of the page and share some basic details about your borrowing needs. The calculator will then show you matching deals from top lenders so you can make an informed decision.

Latest news

Mortgage Rates Set To Fall - Is It A Good Time To Remortgage?

In response to the coronavirus outbreak in the UK, the Bank of England has dramatically cut their base rate from 0.75% to 0.1% which is considered to be an emergency measure to help support the economy through the financial disruption caused by the spread of the Covid-19 virus. How will this move impact your mortgage...

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