We are the Best Building Society Mortgage Provider
As voted in the Moneyfacts Awards 2021
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Whether you are looking to buy your first home, remortgage or move up the property ladder the West Brom has a range of competitive mortgage deals to suit your needs. With our range of fixed rate mortgages, you have the peace of mind of knowing what your mortgage payments will be.
"Excellent communication and liked we could track the mortgage process"
Mortgage Completion Survey, November 2019
End Date
Reversion Rate
Benefits
Early Repayment Charges
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
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
2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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 31/12/2022, followed by 2% of amount repaid until 31/12/2023, followed by 1% of amount repaid until 31/12/2024 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 31/12/2022, followed by 2% of amount repaid until 31/12/2023, followed by 1% of amount repaid until 31/12/2024 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 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 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 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 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 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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 28/02/2023, 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
2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 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 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 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 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 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 28/02/2023, 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
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
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 31/12/2022, followed by 2% of amount repaid until 31/12/2023, followed by 1% of amount repaid until 31/12/2024 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 28/02/2023, followed by 4% of amount repaid until 29/02/2024, followed by 3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026, followed by 1% 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
5% of amount repaid until 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 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 28/02/2023, followed by 4% of amount repaid until 29/02/2024, followed by 3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026, followed by 1% 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
5% of amount repaid until 28/02/2023, followed by 4% of amount repaid until 29/02/2024, followed by 3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026, followed by 1% 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
5% of amount repaid until 28/02/2023, followed by 4% of amount repaid until 29/02/2024, followed by 3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026, followed by 1% 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 28/02/2023, followed by 2% of amount repaid until 29/02/2024, followed by 1% of amount repaid until 28/02/2025 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 28/02/2023, followed by 4% of amount repaid until 29/02/2024, followed by 3% of amount repaid until 28/02/2025, followed by 2% of amount repaid until 28/02/2026, followed by 1% 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.
*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, 23 monthly payments of £656.22 and 276 monthly payments of £804.90.
The total amount payable would be £239,387.65 made up of the loan amount plus interest (£83,137.05), a completion fee (£999), a telegraphic transfer fee (£30) and an account management fee (£195 - paid upon redemption).
The overall cost for comparison is 3.8% APRC representative.
As voted in the Moneyfacts Awards 2021
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