Nottingham Building Society mortgage rates and fees comparison

Nottingham Building Society offers a range of fixed and tracker rate mortgages that could be suitable for you.

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Nottingham Building Society was founded in 1849, with the intention of helping local people save money and buy homes. The business retains this ethos today, employing over 700 staff and running more than 60 branches throughout Nottinghamshire, Lincolnshire, South Yorkshire and Derbyshire, which provide savings accounts, insurance, mortgages and other financial services.

Compare Nottingham Building Society’s mortgage rates

1 - 7 of 27
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Apply link
Nottingham Building Society 31/05/2027 Fixed
CASHBACK
Nottingham BS 31/05/2027 Fixed
4.75% fixed until 31/05/2027
7.2% variable
60%
6.8% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Nottingham Building Society 31/05/2029 Fixed
CASHBACK
Nottingham BS 31/05/2029 Fixed
4.79% fixed until 31/05/2029
7.2% variable
60%
6.4% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Nottingham Building Society 31/05/2027 Fixed
CASHBACK
Nottingham BS 31/05/2027 Fixed
4.85% fixed until 31/05/2027
7.2% variable
75%
6.8% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Nottingham Building Society 31/05/2029 Fixed
CASHBACK
Nottingham BS 31/05/2029 Fixed
4.85% fixed until 31/05/2029
7.2% variable
75%
6.4% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Nottingham Building Society 31/05/2029 Fixed
CASHBACK
Nottingham BS 31/05/2029 Fixed
4.85% fixed until 31/05/2029
7.2% variable
60%
6.4% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Nottingham Building Society 31/05/2029 Fixed
CASHBACK
Nottingham BS 31/05/2029 Fixed
4.89% fixed until 31/05/2029
7.2% variable
80%
6.4% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Nottingham Building Society 31/05/2029 Fixed
CASHBACK
Nottingham BS 31/05/2029 Fixed
4.89% fixed until 31/05/2029
7.2% variable
75%
6.4% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
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Nottingham Building Society’s buy-to-let mortgage rates

1 - 7 of 16
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
CASHBACK
Nottingham BS 30/06/2029 Fixed
4.74% fixed until 30/06/2029
8.2% variable
75%
7% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
CASHBACK
Nottingham BS 30/06/2029 Fixed
4.85% fixed until 30/06/2029
8.2% variable
75%
7% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
CASHBACK
Nottingham BS 30/06/2026 Fixed
4.94% fixed until 30/06/2026
8.2% variable
75%
7.9% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
CASHBACK
Nottingham BS 30/06/2029 Fixed
4.95% fixed until 30/06/2029
8.2% variable
75%
7% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Nottingham BS 30/06/2029 Fixed
5.25% fixed until 30/06/2029
8.2% variable
75%
7.4% APRC
View details
CASHBACK
Nottingham BS 30/06/2026 Fixed
5.25% fixed until 30/06/2026
8.2% variable
75%
7.9% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
Nottingham BS 30/06/2026 Fixed
5.39% fixed until 30/06/2026
8.2% variable
75%
8.2% APRC
View details
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Overall representative example
If you borrow £178,000 mortgage over 25 years initially at 4.46% fixed for 60 months reverting to 6.99% variable for term. 60 monthly payments of £985.34 and 240 monthly payments of £1210.72. Total amount payable £350,563.20 includes loan amount, interest of £171,693, valuation fees of £0 and product fees of £490. The overall cost for comparison is 6.1% 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 can I get with Nottingham Building Society?

  • Fixed rate. Offering a set rate of interest for the duration of the mortgage deal.
  • Remortgages. Allowing you to switch mortgage deals when your existing one ends.
  • Discounted rate. An interest rate that remains a certain percentage below the lender’s standard variable rate for a set time.
  • Tracker. A variable interest rate mortgage that typically goes up or down in line with the Bank of England base rate.
  • Buy to let. Allowing you to borrow money to buy an additional property and let it out.
  • Retirement interest-only. Enabling those over the age of 55 to borrow against their property and pay the interest back in monthly payments.

How to apply

To apply for a mortgage with Nottingham Building Society, you will either need to pop into your local branch or speak to its broker partner, Mortgage Advice Bureau. You can either call the mortgage broker directly or fill in a form via the Nottingham Building Society website to request a call back.

Advisers at Mortgage Advice Bureau will be able to talk you through your options, find you the right mortgage and help you with the application process.

Information required

When applying for a mortgage with Nottingham Building Society you will need to provide the following documents:

  • Proof of identity such as a passport or driving licence
  • Proof of address such as a bank or mortgage statement or utility bill
  • The last three months’ payslips and proof of any bonuses
  • The last three months’ bank statements.

Self-employed applicants should ideally have three years worth of trading figures. However, those with two full years of trading figures, plus a projection based on at least six months’ trading for the third year, may also be considered. Projections must be provided by an accountant.

Eligibility criteria

To be eligible for a mortgage with Nottingham Building Society you must:

  • Be at least 18 years old, or 55 for a retirement only mortgage. The maximum age is 75 at the end of the mortgage term
  • Have lived in the UK for the past two years
  • Have been in your current job for at least six months.

The building society may also consider:

  • Those who have been in their current job for three months providing it is the same occupation and there are no employment gaps or probationary periods
  • Bankrupts who have been discharged for at least three years
  • Those with a single satisfied county court judgement (CCJ) of up to £500
  • CCJs and defaults of above £500 that have been satisfied for at least three years
  • Those with two missed payments in the last two years for a secured mortgage/rent payments/secured loan that are now up to date.

Pros and cons

Pros

  • Range of mortgage products to choose from
  • Self-employed and contract workers are often eligible
  • Overpayments on your mortgage are usually permitted

    Cons

    • The only way to browse mortgage deals is to speak to a mortgage broker
    • Early repayment charges apply to fixed rate mortgages if you leave your deal early
    • Self-employed workers need at least two years of accounts, usually three

    Our verdict

    Whether you’re looking to buy your first home, remortgage or apply for a buy-to-let mortgage, Nottingham Building Society offers a wide range of options for a wide range of customers. Speaking to a mortgage broker via its partner Mortgage Advice Bureau will be a requirement, but this can help ensure you get the best mortgage for you – even if it ends up being with a different lender.

    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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