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Ipswich Building Society

The Society has been operating for over 160 years, and is still based in Suffolk with 9 branches and 4 agencies across the County. Ipswich Building Society prides itself of having expert local knowledge that it uses to offer flexible mortgage deals alongside good value saving and investment products. The Board of Directors are committed to continuing to operate as an independent mutual organisation and believes that any profits should be used to offer good value interest rates for both savers and borrowers who belong to the Society.

The Ipswich Building society is working alongside the Flagship Housing Group, the Orwell Housing Association and Bedfordshire Pilgrims Housing Association to provide shared ownership mortgages that enable first time buyers who may find it difficult to raise substantial deposits to get on the housing ladder and buy their own home.

There are a range of mortgage products available for first time buyers, existing home owners, and buy to let investors -

  • Fixed rate
  • Discount Rate
  • Self Build Rate
  • Buy to Let Rate


Ipswich Building Society Mortgage Products

Tracker mortgages: These products will 'track' the Society's Standard Variable Rate (SVR), you can choose a 2 or 3 year mortgage and the interest rate that you pay will depend upon the product that you have chosen and how much deposit you are able to provide. Your monthly repayments will vary and could increase or decrease according to any changes the Society makes to the SVR.

Discount rate mortgages: You will receive a discounted interest amount from the Society's Standard Variable rate (SVR) for an agreed period. At the end of this time you will pay the SVR for the rest of the loan. You will not usually have to pay an early repayment fee if you pay off all or part of your mortgage loan before the end of the discount period but check with your advisor if this is an important feature for you.

Self Build mortgages: You can borrow against the value of your land and then have the remaining mortgage amount released in stages as you build and finish your property. You will pay a variable interest rate but this is guaranteed not to go above 0.50% of the Society's SVR for the lifetime of the loan.

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

Ipswich Building Society Mortgage Rates

Mortgage Type Initial Rate Subsequent Rate APR Max LTV Fees & Charges Enquire Now
2yr Tracker Rate 3.69% Variable 5.49% Variable 5.3% 75%  
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3yr Discounted Rate 4.25% Variable 5.49% Variable 5.4% 85%  
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Self Build Rate 5.49% Variable 5.49% Variable 5.49% 85%  
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Speak to a professional about an Ipswich Building Society Mortgage