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The Woolwich Building Society was acquired by Barclays in 2000 and no longer exists as a separate brand. If you were interested in taking out a mortgage with the Woolwich Building Society you will need to look at Barclays or one of their competitors instead.

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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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Compare alternatives to Woolwich Building Society mortgages

There are many different kinds of mortgages products aimed at fulfilling the borrowing needs of a range of different types of customers. Which will make sense for you depends on your specific requirements and personal circumstances.

First Time Buyer mortgages

For most people looking at buying their first home, raising a sufficient deposit is a major concern. First time buyer mortgages generally allow you to borrow a larger percentage of the purchase price that standard mortgages, often as much as 95%. They may also offer discounted interest rates for an introductory period and allow parents to help out by acting as guarantors.

Buy to Let mortgages

To buy a property to rent out, you will normally need to apply for a dedicated buy to let mortgage. This will generally limit the amount you can borrow to 75% or less of the purchase price and the amount you can borrow may also depend on the monthly rental income of the property.


Changing your mortgage to a new provider can allow you to get a better deal on your interest rate, increase your borrowing or pay off part of the capital on your mortgage. This can reduce your monthly repayments, leave you with spare money for home improvements or other requirements, or allow you to pay off your mortgage sooner.

Second charge mortgages

If you need to increase your borrowing, a second charge mortgage can sometimes be a cheaper way to do it than remortgaging. This is most often true if you have a particularly good deal on your existing mortgage. A second charge mortgage is an entirely separate loan secured against your property which allows you to borrow more without affecting your existing mortgage.

Loan to value ratio

To work out which mortgages products will allow you to borrow enough to fund your desired property purchase, you need to look at the loan to value (LTV) ratio they offer. This tells you what percentage of a property’s purchase price you will be able to borrow with that mortgage product.

For example, if you need to borrow £75,000 to complete on a property worth £100,000, then you would need to find a mortgage offering 75% LTV. Most lenders will offer better interest rates on mortgages with a lower LTV, although various other factors will affect the exact rate you receive.

Find the best deals on mortgage rates

When searching for the best deal on your mortgage, it is advisable to compare as many different products as possible from a wide range of lenders. Our mortgage calculator makes this much easier by allowing you to see deals from various providers all in one place.

Just head to the top of the page and plug in some basic information about your borrowing needs. The calculator will match this with mortgage offers from leader providers across the market 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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