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Marsden Building Society mortgage rates and review

Marsden Building Society has been providing mortgages for over 150 years and has a wide range. We've reviewed the types and features to help you decide if it's the lender for you.

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By

Matthew Boyle

Updated

Fact checked

Marsden Building Society has been providing mortgages in the UK since 1860. Its current range includes fixed-rate, discount and buy-to-let mortgages.

There are 95% loan-to-value mortgages available for first-time buyers and specialist deals for borrowers aged over 55.

Compare Marsden Building Society’s mortgage rates

1 - 7 of 7
Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Borrower type Overall cost for comparison Cashback Apply link
Marsden Building Society 31/07/2025 Discounted Variable
Marsden BS 31/07/2025 Discounted Variable
3.99% variable (SVR minus 4.25%) until 31/07/2025
8.24% variable
60%
First-time buyer, Moving home, Remortgaging
6.2% APRC
View details
Marsden Building Society 31/07/2025 Discounted Variable
Marsden BS 31/07/2025 Discounted Variable
4.29% variable (SVR minus 3.95%) until 31/07/2025
8.24% variable
60%
First-time buyer, Moving home, Remortgaging
6.2% APRC
View details
Marsden Building Society 31/07/2025 Discounted Variable
Marsden BS 31/07/2025 Discounted Variable
4.29% variable (SVR minus 3.95%) until 31/07/2025
8.24% variable
55%
First-time buyer, Moving home, Remortgaging
6.2% APRC
View details
Marsden Building Society 30/11/2027 Fixed
Marsden BS 30/11/2027 Fixed
4.39% fixed until 30/11/2027
6.49% variable
60%
First-time buyer, Moving home, Remortgaging
5.9% APRC
View details
Marsden Building Society 31/07/2025 Fixed
Marsden BS 31/07/2025 Fixed
4.99% fixed until 31/07/2025
6.49% variable
60%
First-time buyer, Moving home, Remortgaging
6.4% APRC
View details
Marsden Building Society 31/07/2025 Fixed
Marsden BS 31/07/2025 Fixed
5.19% fixed until 31/07/2025
6.49% variable
55%
First-time buyer, Moving home, Remortgaging
6.4% APRC
View details
Marsden Building Society 31/07/2025 Fixed
Marsden BS 31/07/2025 Fixed
5.19% fixed until 31/07/2025
6.49% variable
60%
First-time buyer, Moving home, Remortgaging
6.4% APRC
View details
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Marsden Building Society’s buy-to-let mortgage rates

1 - 6 of 6
Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Marsden Building Society 30/06/2025 Discounted Variable
Marsden BS 30/06/2025 Discounted Variable
4.59% variable (SVR minus 3.8%) until 30/06/2025
8.39% variable
75%
7.9% APRC
View details
Marsden Building Society 30/06/2026 Discounted Variable
Marsden BS 30/06/2026 Discounted Variable
4.59% variable (SVR minus 3.8%) until 30/06/2026
8.39% variable
75%
7.6% APRC
View details
Marsden Building Society 30/06/2025 Discounted Variable
Marsden BS 30/06/2025 Discounted Variable
4.89% variable (SVR minus 3.5%) until 30/06/2025
8.39% variable
75%
8% APRC
View details
Marsden Building Society 30/06/2026 Discounted Variable
Marsden BS 30/06/2026 Discounted Variable
4.89% variable (SVR minus 3.5%) until 30/06/2026
8.39% variable
75%
7.7% APRC
View details
Marsden Building Society 30/11/2027 Fixed
Marsden BS 30/11/2027 Fixed
5.19% fixed until 30/11/2027
8.39% variable
75%
7.4% APRC
View details
Marsden Building Society 30/06/2025 Fixed
Marsden BS 30/06/2025 Fixed
5.49% fixed until 30/06/2025
8.39% variable
75%
8.1% APRC
View details
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Overall representative example
If you borrow £178,000 over a 25-year term at 4.56% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £995.45 and 240 monthly payments of £1261.11. The total payable would be £362,773.40, which includes the interest of £184,393, valuation fees of £0 and a product fee of £0. The overall cost for comparison is 6.4% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

What types of mortgage does Marsden Building Society provide?

  • Fixed-rate mortgages. Marsden Building Society offers two types of two-year fixed-rate mortgage. It’s low-rate product comes with a mortgage fee based on a percentage of your deposit. Its no-fee product has a higher rate. To choose your best option, calculate the overall cost of the deal over the initial two years. The maximum loan-to-value is 95%, so this deal may appeal to first-time buyers with small deposits. After the first two years, you’ll be switched onto the lender’s standard variable rate.
  • Discount mortgages. These mortgages offer a rate fixed at a certain percentage below the lender’s standard variable rate for either two or three years. The maximum loan-to-value is 90%. There are no fees attached to any of these products. After the discount period ends, you’ll be switched onto the lender’s standard variable rate.
  • 55+ mortgages. Marsden Building Society has special mortgage deals for those aged 55 or older. These customers can choose between two-year or three-year fixed-rate or discount mortgages. The maximum loan-to-value is 60%. These products all come with a fee attached. To be eligible for these, you have to be at least 55 years old when applying and no older than 91 when the term comes to an end.
  • Buy-to-let mortgages. The lender offers buy-to-let mortgages to expats via its intermediaries. Expats can choose between two-year or three-year discount mortgages. There is a booking fee and an arrangement fee attached to these deals, although you may be eligible for cashback too.
  • Interest-only mortgages. Many of these deals are available on an interest-only basis, albeit with a smaller maximum loan-to-value.

How do I contact Marsden Building Society?

For queries on existing applications or completed mortgages, call 01282 440583. Phone lines are open on weekdays between 9am and 5pm and on Saturdays between 9am and 12 noon.

How do I apply for a Marsden Building Society mortgage?

You can apply for a Marsden Building Society mortgage by calling 01282 440500.

The lender’s mortgage experts will be able to give you more information about its products, guide you through the application and hopefully offer an agreement in principle.

You’ll need to provide basic personal details, plus details about your income and outgoings, so make sure you have this information to hand.

Approval will be based on a credit check.

What information do I need to provide?
You’ll need to provide proof of identity, proof of address and various documents to prove your income and outgoings. This could include payslips and previous bank accounts.

Eligibility criteria

To be considered for a Marsden Building Society mortgage, you must:

  • Be at least 21 years old
  • Have been a UK resident for at least two years
  • Secure the mortgage against a property in England or Wales valued at £100,000 or more
  • Have incurred no county court judgements (CCJs) or defaults within the previous three years
  • Have suffered no bankruptcies, individual voluntary arrangements, debt management plans or repossessions

First charge mortgage loans can be between £20,000 and £425,000 depending on your circumstances. Mortgage terms range between five and 35 years.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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