Holmesdale Building Society Mortgages: Mortgage Lender

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Holmesdale Building Society

This Society has been in existence since 1855 and throughout most of its history it has been a savings and home loan provider for local people who were based in Reigate and the surrounding districts, although it now also offers savings and mortgage products across the country. The Holmesdale Building Society operates from one branch based in Reigate, Surrey and is an independent mutual society which means that it is run for the benefit of members and therefore does not have any shareholders to please. Steady growth has increased the Society's assets from under £6million in 1970 to over £140m in 2009.

The Holmesdale Building Society now offers the following mortgages

Repayment
Endowment
Pension
ISA Linked
Interest Only
Lifetime

Currently most mortgage products are only available to customers who are buying property in England and Wales. You will usually need to provide a deposit of at least 25%. The range of products available from this society will vary according to Board Members regular reviews and decisions so speak to your mortgage advisor to discover what products are available that may suit you.

Holmesdale Building Society Mortgage Products

Repayment mortgages: You will pay the Society's Standard Variable rate for the whole loan period. Every month you are paying off a portion of the capital sum you have borrowed as well as the interest that is being charged. You can borrow for an agreed period of between 10 and 25 years and this will affect the Annual Percentage Rate (APR) calculation.

Discount mortgages: Loans are available for between £26,000 and £500,000, and you can choose a discount period of between 2 and 5 years. At the end of the discount period you will switch over to the Society's Standard Variable rate.

Lifetime mortgages: These products enable customers to release any capital or value they may have in their home, it is useful for older, retired homeowners who would like to supplement their regular income, undertake home improvements or make some other large purchase. However this is a specialised product and you should consider taking independent advice before agreeing to this type of loan.

If you are interested in a mortgage quotation including those offered by Holmesdale Building Society please complete our quick enquiry form.

Holmesdale Building Society Mortgage Rates

Mortgage Type	Initial Rate	Subsequent Rate	APR	Max LTV	Fees & Charges
15yr Repayment Mortgage	4.89% Variable	n/a	5.10%	75%	Consult your mortgage advisor
2yr Discount Mortgage	2.89% Variable	4.89% Variable	4.7%	75%	£175 Arrangement Fee
Lifetime mortgage	4.89% Variable	n/a			Consult your mortgage advisor