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Mortgages at the West Brom

Mortgages at the West Brom

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.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.
 

Find the mortgage that's right for you

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.

Product range

You can view our individual mortgage product ranges via any of the links below.


 

Mortgage tools and support



Initial deal period ?

Initial Deal Period

This filter allows you select the initial term of the mortgage, for example the number of years you wish to fix your rate with fixed rate mortgages

Fees ?

Completion Fee

This filter allows you to select if a Completion Fee applies to the mortgage.

Loan to Value (LTV) ?

LTV - Loan to Value

The LTV or Loan to Value band allows you to filter products which may better meet your mortgage loan requirements

Repayments ?

Repayments

This filter allows you to select how you wish to repay your mortgage
Find Mortgages

Search our mortgages

Use our mortgage finder to search for mortgages which fit your circumstances.

Please note: This information does not contain all of the details you need to choose a mortgage. All figures shown are on a capital repayment basis.

We've found 0 mortgages that may be available for you:

Fixed Rate Mortgages

Fixed Rate Mortgages Initial Rate Until end date Followed by Overall cost for comparison Max LTV Booking Fee Completion Fee Early Repayment Charge Initial Estimated Monthly Payments Product information
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Initial Rate

This shows the initial rate of the mortgage taking into account any fixed or discounted rates which apply at the start of the mortgage.

 ?

Until end date

This is the date that your initial rate will end.

 ?

Followed by

Most products revert to a rate linked to the Bank of England Base Rate after the initial start rate, except those that follow the Society's standard variable base rate. For more details on a specific products reversion rate, please click through to the individual product page.

 ?

Overall Cost for Comparision (APRC)

This refers to Annual Percentage Rate of Charge and is a means to compare the cost of credit. The APRC takes into account all fees (up front, on going, and end costs) involved in taking out a mortgage and is designed so that customers can easily compare different deals from different lenders.

?

Max LTV (Loan to Value)

This is the size of the mortgage required in comparison to the value of the property. The LTV is shown as a percentage. For example, if you wanted to borrow £85,000 on a house values at £100,000 this would mean a LTV of 85%

?

Booking Fee

The booking fee is the charge that a bank or building society may put on a product to secure the rate of the mortgage.

 ?

Completion Fee

A one off fee that guarantees we can reserve funds for you in your chosen product. This can usually be added to your loan rather than paid in one go.

?

Early Repayment Charge

A charge made for repaying your mortgage early, particularly during a fixed or discount rate period.

?

Initial Estimated Monthly Payments

This is an estimated initial monthly repayment amount, based on a capital repayment.
2yr 2 Year Fixed Rate Mortgage 75% LTV 1.94% fixed 31/05/2020 4.24% variable 3.9% APRC 75% £0 £0 Yes More details
2yr 2 Year Fixed Rate Mortgage 75% LTV 1.69% fixed 31/05/2020 4.24% variable 3.9% APRC 75% £0 £999 Yes More details
2yr 2 Year Fixed Rate Mortgage 80% LTV 2.04% fixed 31/05/2020 4.24% variable 3.9% APRC 80% £0 £0 Yes More details
2yr 2 Year Fixed Rate Mortgage 80% LTV 1.74% fixed 31/05/2020 4.24% variable 3.9% APRC 80% £0 £999 Yes More details
2yr 2 Year Fixed Rate Mortgage 75% LTV 1.89% fixed 31/05/2020 4.24% variable 3.9% APRC 75% £0 £0 Yes More details
2yr 2 Year Fixed Rate Mortgage 75% LTV 1.64% fixed 31/05/2020 4.24% variable 3.9% APRC 75% £0 £999 Yes More details
2yr 2 Year Fixed Rate Mortgage 80% LTV 1.94% fixed 31/05/2020 4.24% variable 3.9% APRC 80% £0 £0 Yes More details
2yr 2 Year Fixed Rate Mortgage 80% LTV 1.69% fixed 31/05/2020 4.24% variable 3.9% APRC 80% £0 £999 Yes More details
2yr 2 Year Fixed Rate Mortgage 85% LTV 2.19% fixed 31/05/2020 4.24% variable 4.0% APRC 85% £0 £0 Yes More details
£500 cashback
2yr 2 Year Fixed Rate Mortgage 2.79% fixed 30/06/2020 4.24% variable 4.1% APRC 90% £0 £99 Yes More details
2yr 2 Year Fixed Rate Mortgage 90% LTV 2.29% fixed 31/05/2020 4.24% variable 4.0% APRC 90% £0 £0 Yes More details
2yr 2 Year Fixed Rate Mortgage 90% LTV 1.99% fixed 31/05/2020 4.24% variable 4.0% APRC 90% £0 £999 Yes More details
2yr 2 Year Fixed Rate Mortgage 90% LTV 2.29% fixed 31/05/2020 4.24% variable 4.0% APRC 90% £0 £0 Yes More details
£300 cashback
2yr 2 Year Fixed Rate Mortgage 90% LTV 2.69% fixed 31/05/2020 4.24% variable 4.1% APRC 90% £0 £0 Yes More details
£1000 cashback
2yr 2 Year Fixed Rate Mortgage 90% LTV 2.19% fixed 31/05/2020 4.24% variable 4.0% APRC 90% £0 £0 Yes More details
2yr 2 Year Fixed Rate Mortgage 90% LTV 1.94% fixed 31/05/2020 4.24% variable 4.0% APRC 90% £0 £999 Yes More details
2yr 2 Year Fixed Rate Mortgage 95% LTV 3.39% fixed 31/05/2020 4.24% variable 4.2% APRC 95% £0 £0 Yes More details
3yr 3 Year Fixed Rate Mortgage 75% LTV 2.19% fixed 31/05/2021 4.24% variable 3.8% APRC 75% £0 £0 Yes More details
3yr 3 Year Fixed Rate Mortgage 80% LTV 2.29% fixed 31/05/2021 4.24% variable 3.8% APRC 80% £0 £0 Yes More details
3yr 3 Year Fixed Rate Mortgage 90% LTV 2.69% fixed 31/05/2021 4.24% variable 3.9% APRC 90% £0 £0 Yes More details
£1000 cashback
3yr 3 Year Fixed Rate Mortgage 90% LTV 2.19% fixed 31/05/2021 4.24% variable 3.8% APRC 90% £0 £999 Yes More details
3yr 3 Year Fixed Rate Mortgage 90% LTV 2.39% fixed 31/05/2021 4.24% variable 3.8% APRC 90% £0 £0 Yes More details
3yr 3 Year Fixed Rate Mortgage 95% LTV 3.54% fixed 31/05/2021 4.24% variable 4.2% APRC 95% £0 £0 Yes More details
5yr 5 Year Fixed Rate Mortgage 90% LTV 2.79% fixed 31/05/2023 4.24% variable 3.7% APRC 90% £0 £0 Yes More details
£1000 cashback
5yr 5 Year Fixed Rate Mortgage 90% LTV 2.59% fixed 31/05/2023 4.24% variable 3.7% APRC 90% £0 £0 Yes More details
5yr 5 Year Fixed Rate Mortgage 90% LTV 2.49% fixed 31/05/2023 4.24% variable 3.7% APRC 90% £0 £999 Yes More details
3yr 3 Year Fixed Rate Mortgage 75% LTV 2.19% fixed 31/05/2021 4.24% variable 3.8% APRC 75% £0 £0 Yes More details
3yr 3 Year Fixed Rate Mortgage 80% LTV 2.29% fixed 31/05/2021 4.24% variable 3.8% APRC 80% £0 £0 Yes More details
3yr 3 Year Fixed Rate Mortgage 90% LTV 2.49% fixed 31/05/2021 4.24% variable 3.9% APRC 90% £0 £0 Yes More details
3yr 3 Year Fixed Rate Mortgage 90% LTV 2.29% fixed 31/05/2021 4.24% variable 3.9% APRC 90% £0 £999 Yes More details
3yr 3 Year Fixed Rate Mortgage 90% LTV 2.49% fixed 31/05/2021 4.24% variable 3.9% APRC 90% £0 £0 Yes More details
£300 cashback
5yr 5 Year Fixed Rate Mortgage 3.29% fixed 30/06/2023 4.24% variable 3.9% APRC 90% £0 £99 Yes More details
5yr 5 Year Fixed Rate Mortgage 75% LTV 2.14% fixed 31/05/2023 4.24% variable 3.5% APRC 75% £0 £0 Yes More details
5yr 5 Year Fixed Rate Mortgage 75% LTV 2.14% fixed 31/05/2023 4.24% variable 3.5% APRC 75% £0 £0 Yes More details
£400 cashback
5yr 5 Year Fixed Rate Mortgage 75% LTV 2.04% fixed 31/05/2023 4.24% variable 3.5% APRC 75% £0 £999 Yes More details
£300 cashback
5yr 5 Year Fixed Rate Mortgage 80% LTV 2.24% fixed 31/05/2023 4.24% variable 3.5% APRC 80% £0 £0 Yes More details
5yr 5 Year Fixed Rate Mortgage 80% LTV 2.24% fixed 31/05/2023 4.24% variable 3.5% APRC 80% £0 £0 Yes More details
£400 cashback
5yr 5 Year Fixed Rate Mortgage 80% LTV 2.14% fixed 31/05/2023 4.24% variable 3.5% APRC 80% £0 £999 Yes More details
£300 cashback
5yr 5 Year Fixed Rate Mortgage 90% LTV 2.59% fixed 31/05/2023 4.24% variable 3.7% APRC 90% £0 £0 Yes More details
5yr 5 Year Fixed Rate Mortgage 90% LTV 2.49% fixed 31/05/2023 4.24% variable 3.7% APRC 90% £0 £999 Yes More details
5yr 5 Year Fixed Rate Mortgage 90% LTV 2.59% fixed 31/05/2023 4.24% variable 3.7% APRC 90% £0 £0 Yes More details
£300 cashback
5yr 5 Year Fixed Rate Mortgage 75% LTV 2.39% fixed 31/05/2023 4.24% variable 3.6% APRC 75% £0 £0 Yes More details
5yr 5 Year Fixed Rate Mortgage 80% LTV 2.49% fixed 31/05/2023 4.24% variable 3.6% APRC 80% £0 £0 Yes More details
5yr 5 Year Fixed Rate Mortgage 95% LTV 3.89% fixed 31/05/2023 4.24% variable 4.2% APRC 95% £0 £0 Yes More details

Representative example:

A mortgage of £155,000 payable over 25 years initially on a fixed rate for two years at 1.94% and then on our current standard variable rate of 4.24% (variable) for the remaining 23 years would require an initial payment of £899.61, 24 monthly payments of £652.46 and 275 monthly payments of £823.81.

The total amount payable would be £243,236.40 made up of the loan amount plus interest (£88,099.71), a telegraphic transfer fee (£30) and a release of charge fee (£100 - paid upon redemption).

The overall cost for comparison is 3.9% APRC representative.

Variable Rate Mortgages

Variable Rate Mortgages Initial Rate Until end date Followed by Overall cost for comparison Max LTV Booking Fee Completion Fee Early Repayment Charge Initial Estimated Monthly Payments Product information
?

Initial Rate

This shows the initial rate of the mortgage taking into account any fixed or discounted rates which apply at the start of the mortgage.

 ?

Until end date

This is the date that your initial rate will end.

 ?

Followed by

Most products revert to a rate linked to the Bank of England Base Rate after the initial start rate, except those that follow the Society's standard variable base rate. For more details on a specific products reversion rate, please click through to the individual product page.

 ?

Overall Cost for Comparision (APRC)

This refers to Annual Percentage Rate of Charge and is a means to compare the cost of credit. The APRC takes into account all fees (up front, on going, and end costs) involved in taking out a mortgage and is designed so that customers can easily compare different deals from different lenders.

?

Max LTV (Loan to Value)

This is the size of the mortgage required in comparison to the value of the property. The LTV is shown as a percentage. For example, if you wanted to borrow £85,000 on a house values at £100,000 this would mean a LTV of 85%

?

Booking Fee

The booking fee is the charge that a bank or building society may put on a product to secure the rate of the mortgage.

 ?

Completion Fee

A one off fee that guarantees we can reserve funds for you in your chosen product. This can usually be added to your loan rather than paid in one go.

?

Early Repayment Charge

A charge made for repaying your mortgage early, particularly during a fixed or discount rate period.

?

Initial Estimated Monthly Payments

This is an estimated initial monthly repayment amount, based on a capital repayment.
2yr 2 Year Discounted Variable Mortgage 75% LTV 1.39% variable 31/05/2020 4.24% variable 3.8% APRC 75% £0 £499 No More details
2yr 2 Year Discounted Variable Mortgage 75% LTV 1.34% variable 31/05/2020 4.24% variable 3.8% APRC 75% £0 £499 No More details
2yr 2 Year Discounted Variable Mortgage 80% LTV 1.54% variable 31/05/2020 4.24% variable 3.9% APRC 80% £0 £499 No More details
2yr 2 Year Discounted Variable Mortgage 80% LTV 1.49% variable 31/05/2020 4.24% variable 3.8% APRC 80% £0 £499 No More details
2yr 2 Year Discounted Variable Mortgage 90% LTV 1.84% variable 31/05/2020 4.24% variable 3.9% APRC 90% £0 £499 No More details
2yr 2 Year Discounted Variable Mortgage 90% LTV 1.84% variable 31/05/2020 4.24% variable 3.9% APRC 90% £0 £499 No More details
2yr 2 Year Discounted Variable Mortgage 95% LTV 3.04% variable 31/05/2020 4.24% variable 4.2% APRC 95% £0 £499 No More details
0yr Standard Variable Rate Mortgage 4.24% variable 4.24% variable 4.4% APRC 90% £0 £99 No More details

Representative example:

A mortgage of £155,000 payable over 25 years initially on a variable rate for two years at 1.54% and then on our current standard variable rate of 4.24% (variable) for the remaining 23 years would require an initial payment of £819.01, 24 monthly payments of £622.82 and 275 monthly payments of £820.85.

The total amount payable would be £242,099.44 made up of the loan amount plus interest (£86,493.19), a completion fee (£499) and a release of charge fee (£100 - paid upon redemption).

The overall cost for comparison is 3.9% APRC representative.