Cambridge Building Society
Building SocietyCambridge Building Society is a well-established regional mutual serving East Anglia and beyond, offering residential, buy-to-let, and self-build mortgages with a flexible approach to underwriting and a strong commitment to the local community.
About Cambridge Building Society
Cambridge Building Society was established in 1850 and has been a trusted part of the Cambridgeshire community for over 170 years. The society has grown steadily while maintaining its independent mutual status, operating from a network of branches across Cambridgeshire and the surrounding counties.
The society offers a broad range of mortgage products including residential, buy-to-let, and self-build mortgages. Cambridge Building Society is known for its flexible approach to underwriting, particularly for self-employed applicants and those with complex income structures. The society also supports shared ownership applicants and has developed products for first-time buyers.
Cambridge Building Society has invested in both its branch network and digital capabilities, offering members a blend of personal service and modern convenience. The society actively supports local community projects and charities, reinforcing its position as a community-focused lender. It is regulated by the FCA and PRA and is a member of the Building Societies Association.
Lending Focus
Cambridge Building Society offers mortgage products across 4 categories including Residential, Buy-to-Let, Self Build and 1 more.
Key Features
- Self-build mortgage products with stage payments during construction
- Shared ownership mortgages for first-time buyers
- Flexible underwriting for self-employed and contractor applicants
- Local branch network across Cambridgeshire and East Anglia
- Up to 95% LTV on selected residential products
Pros & Cons
Pros
- Self-build and shared ownership products not available from many smaller societies
- Flexible underwriting with individual assessment of complex income
- Up to 95% LTV available for residential borrowers
- Strong local presence with personal, branch-based service
Cons
- –Branch network concentrated in Cambridgeshire and surrounding areas
- –No commercial, bridging, or equity release products
- –Some products only available in the society's core lending area
Fees & Charges
- Arrangement Fee
- Varies by product; fee-free options available
- Valuation Fee
- Free on selected products; otherwise charged at cost
- Early Repayment Charge
- 1–5% during the initial deal period
- Overpayment Allowance
- Up to 10% per year without charge
Mortgage Rates
Rate data coming soon. View rates on Cambridge Building Society
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 95%
Frequently Asked Questions
Does Cambridge Building Society offer self-build mortgages?
Yes, Cambridge Building Society offers self-build mortgages with stage payments released during construction. This is a specialist product designed for people building their own home.
Can I get a shared ownership mortgage from Cambridge Building Society?
Yes, Cambridge Building Society supports shared ownership purchases, allowing you to buy a share of a property and pay rent on the remaining share.
What is the maximum LTV Cambridge Building Society offers?
Cambridge Building Society offers residential mortgages up to 95% LTV on selected products, making it accessible for buyers with a smaller deposit.
Does Cambridge Building Society accept self-employed borrowers?
Yes, the society individually assesses self-employed applicants and can be flexible in how it evaluates income. Typically two years of accounts or SA302 forms are required.
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Suffolk Building Society | Residential, Buy-to-Let, Self Build+3 | Building Soc. | 90% |
| Chelsea Building Society | Residential, Buy-to-Let, Shared Ownership | Building Soc. | 95% |
| Leeds Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 95% |
| Nationwide Building Society | Residential, Buy-to-Let, Shared Ownership+1 | Building Soc. | 95% |
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify lender details directly and seek independent advice before making financial decisions.
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