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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.
Request a branch appointment
Use our online form to request a mortgage appointment in one of our branches.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
2% of amount repaid until 31/07/2022, followed by 1% of amount repaid until 31/07/2023 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 31/07/2022, followed by 2% of amount repaid until 31/07/2023, followed by 1% of amount repaid until 31/07/2024 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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 30/06/2022, followed by 2% of amount repaid until 30/06/2023, followed by 1% of amount repaid until 30/06/2024 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
2% of amount repaid until 31/07/2022, followed by 1% of amount repaid until 31/07/2023 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
5% of amount repaid until 31/07/2022, followed by 4% of amount repaid until 31/07/2023, followed by 3% of amount repaid until 31/07/2024, followed by 2% of amount repaid until 31/07/2025, followed by 1% of amount repaid until 31/07/2026 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
5% of amount repaid until 31/07/2022, followed by 4% of amount repaid until 31/07/2023, followed by 3% of amount repaid until 31/07/2024, followed by 2% of amount repaid until 31/07/2025, followed by 1% of amount repaid until 31/07/2026 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
2% of amount repaid until 31/07/2022, followed by 1% of amount repaid until 31/07/2023 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 31/07/2022, followed by 2% of amount repaid until 31/07/2023, followed by 1% of amount repaid until 31/07/2024 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
5% of amount repaid until 31/07/2022, followed by 4% of amount repaid until 31/07/2023, followed by 3% of amount repaid until 31/07/2024, followed by 2% of amount repaid until 31/07/2025, followed by 1% of amount repaid until 31/07/2026 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 30/06/2022, followed by 2% of amount repaid until 30/06/2023, followed by 1% of amount repaid until 30/06/2024 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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 30/06/2022, followed by 2% of amount repaid until 30/06/2023, followed by 1% of amount repaid until 30/06/2024 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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 30/06/2022, followed by 2% of amount repaid until 30/06/2023, followed by 1% of amount repaid until 30/06/2024 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
2% of amount repaid until 30/06/2022, followed by 1% of amount repaid until 30/06/2023 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
5% of amount repaid until 30/06/2022, followed by 4% of amount repaid until 30/06/2023, followed by 3% of amount repaid until 30/06/2024, followed by 2% of amount repaid until 30/06/2025, followed by 1% of amount repaid until 30/06/2026 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
2% of amount repaid until 28/02/2022, followed by 1% of amount repaid until 28/02/2023 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
2% of amount repaid until 28/02/2022, followed by 1% of amount repaid until 28/02/2023 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 28/02/2022, followed by 2% of amount repaid until 28/02/2023, followed by 1% of amount repaid until 29/02/2024 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 28/02/2022, followed by 2% of amount repaid until 28/02/2023, followed by 1% of amount repaid until 29/02/2024 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
5% of amount repaid until 28/02/2022, followed by 4% of amount repaid until 28/02/2023, followed by 3% of amount repaid until 29/02/2024, followed by 2% 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
5% of amount repaid until 28/02/2022, followed by 4% of amount repaid until 28/02/2023, followed by 3% of amount repaid until 29/02/2024, followed by 2% 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.
Representative example
A mortgage of £155,000 payable over 25 years initially on a fixed rate for two years at 1.99% and then on our current standard variable rate of 3.99% (variable) for the remaining 23 years would require an initial payment of £918.19, 26 monthly payments of £656.22 and 273 monthly payments of £803.34.
The total amount payable would be £238,515.73 made up of the loan amount plus interest (£82,323.45), a completion fee (£999), a telegraphic transfer fee (£30) and an account management fee (£195 - paid upon redemption).
The overall cost for comparison is 3.7% APRC representative.
End Date
Reversion Rate
Early Repayment Charges
1% of amount repaid until 31/07/2022, followed by 0.5% of amount repaid until 31/07/2023, 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
1% of amount repaid until 31/07/2022, followed by 0.5% of amount repaid until 31/07/2023, 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
Interest will be charged to the date of redemption.
End Date
Reversion Rate
Benefits
Early Repayment Charges
Interest will be charged to the date of redemption.
End Date
Reversion Rate
Benefits
Early Repayment Charges
Interest will be charged to the date of redemption.
End Date
Reversion Rate
Benefits
Early Repayment Charges
Interest will be charged to the date of redemption.
End Date
Reversion Rate
Benefits
Early Repayment Charges
Interest will be charged to the date of redemption.
End Date
Reversion Rate
Benefits
Early Repayment Charges
Interest will be charged to the date of redemption.
End Date
Reversion Rate
Benefits
Early Repayment Charges
Interest will be charged to the date of redemption.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
Representative example
A mortgage of £155,000 payable over 25 years initially on a variable rate for two years at 1.89% and then on our current standard variable rate of 3.99% (variable) for the remaining 23 years would require an initial payment of £897.52, 26 monthly payments of £648.71 and 273 monthly payments of £802.58.
The total amount payable would be £238,092.32 made up of the loan amount plus interest (£81,898.20), a completion fee (£999), a telegraphic transfer fee (£30) and an account management fee (£195 - paid upon redemption).
The overall cost for comparison is 3.7% APRC representative.
