Coventry Building Society
Building SocietyCoventry Building Society is the UK's second-largest building society, renowned for consistently offering some of the most competitive mortgage rates in the market. Its mutual structure allows it to prioritise member value, resulting in low-cost mortgage products with minimal fees.
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Lending Focus
Coventry Building Society offers mortgage products across 2 categories including Residential, Buy-to-Let.
Key Features
- Consistently among the lowest mortgage rates in the UK market
- No arrangement fees on many fixed-rate and tracker products
- Buy-to-let mortgages for individual and portfolio landlords
- Strong intermediary-only product range alongside direct offerings
- Overpayment up to 10% per year with no early repayment charge
Pros & Cons
Pros
- Consistently offers some of the lowest mortgage rates in the UK
- No arrangement fees on many products — excellent value overall
- Strong intermediary-only range with broker-exclusive deals
- Mutual status means member-focused rather than profit-driven
Cons
- –No shared ownership, Help to Buy, or self-build products
- –Limited branch network — primarily Midlands-based
- –Some of the best rates are intermediary-only and not available direct
Fees & Charges
Arrangement Fee
No fee on many products; up to £999 on selected deals
Valuation Fee
Free on most products
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
We're working on adding live mortgage rate information for Coventry Building Society. In the meantime, visit their website for the latest rates.
View rates on Coventry Building SocietyApplication Process
Processing Time
2–4 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
95%
Max Loan Amount
£2m
Min Loan Amount
£25k
Rate Types
fixed, tracker, discount
Frequently Asked Questions
Why are Coventry Building Society rates so competitive?
Does Coventry Building Society charge arrangement fees?
Can I get a Coventry Building Society mortgage through a broker?
Does Coventry Building Society offer buy-to-let mortgages?
How to Apply
Direct & Broker Access
You can apply directly with Coventry Building Society or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a Coventry Building Society Broker?
Find FCA-regulated mortgage brokers who have Coventry Building Society on their lender panel.
Find a BrokerRegulatory Status
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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.