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Whether you are looking to buy your first home, remortgage your current home, move up the housing ladder or review your current mortgage deal, the West Brom has a range of competitive mortgage deals which are designed to suit your needs.
When it comes to choosing the right mortgage, we understand that everyone's circumstances are different. That's why we have made it easy for you to find the right mortgage based on what's important to you.
How can we help?
Product range
You can view our individual mortgage product ranges via any of the links below.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
6% of amount repaid until 28/02/2025, followed by 5% of amount repaid until 28/02/2026, followed by 4% of amount repaid until 28/02/2027, followed by 3% of amount repaid until 29/02/2028, followed by 2% of amount repaid until 28/02/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 31/03/2025, followed by 5% of amount repaid until 31/03/2026, followed by 4% of amount repaid until 31/03/2027, followed by 3% of amount repaid until 31/03/2028, followed by 2% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 28/02/2025, followed by 3% of amount repaid until 28/02/2026, followed by 2% of amount repaid until 28/02/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
6% of amount repaid until 28/02/2025, followed by 5% of amount repaid until 28/02/2026, followed by 4% of amount repaid until 28/02/2027, followed by 3% of amount repaid until 29/02/2028, followed by 2% of amount repaid until 28/02/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 28/02/2025, followed by 3% of amount repaid until 28/02/2026, followed by 2% of amount repaid until 28/02/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
6% of amount repaid until 28/02/2025, followed by 5% of amount repaid until 28/02/2026, followed by 4% of amount repaid until 28/02/2027, followed by 3% of amount repaid until 29/02/2028, followed by 2% of amount repaid until 28/02/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 31/03/2025, followed by 3% of amount repaid until 31/03/2026, followed by 2% of amount repaid until 31/03/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 28/02/2025, followed by 3% of amount repaid until 28/02/2026, followed by 2% of amount repaid until 28/02/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 31/03/2025, followed by 2% of amount repaid until 31/03/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
Representative example
A mortgage of £114,000 payable over 35 years initially on a fixed rate for two years at 6.49% and then on our current standard variable rate of 6.74% (variable) for the remaining 33 years would require an initial payment of £1,296.05, 25 monthly payments of £687.95 and 394 monthly payments of £706.99.
The total amount payable would be £298,145.35 made up of the loan amount plus interest (£183,021.35), a completion fee (£999) and an account management fee (£195 - paid upon redemption).
The overall cost for comparison is 7.0% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
End Date
Reversion Rate
Benefits
Early Repayment Charges
No Early Repayment Charges (ERCs) will be payable should you wish to redeem, overpay or switch to another product with the Society. Interest will be charged to the date of redemption.
End Date
Reversion Rate
Early Repayment Charges
1% of amount repaid until 28/02/2025, followed by 1% of amount repaid until 28/02/2026, plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
No Early Repayment Charges (ERCs) will be payable should you wish to redeem, overpay or switch to another product with the Society. Interest will be charged to the date of redemption.
End Date
Reversion Rate
Early Repayment Charges
1% of amount repaid until 28/02/2025, followed by 1% of amount repaid until 28/02/2026, plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
Representative example
A mortgage of £220,000 payable over 25 years initially on a variable rate for two years at 5.64% and then on our current standard variable rate of 6.74% (variable) for the remaining 23 years would require an initial payment of £2,389.29, 28 monthly payments of £1,369.45 and 271 monthly payments of £1,507.54.
The total amount payable would be £450,599.01 made up of the loan amount plus interest (£229,475.01), a completion fee (£999) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.8% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
Get an idea of how much you could borrow for a mortgage in just a few minutes using our borrowing calculator.
Before you start your mortgage application, find out if you meet our minimum lending criteria.
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Whether you're buying a home or remortgaging, we've a range of guides to support you on your mortgage journey.
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