Earl Shilton Building Society
Building SocietyEarl Shilton Building Society is a small, independent mutual based in Leicestershire, offering residential mortgages with personal underwriting and a traditional, community-first approach to lending.
About Earl Shilton Building Society
Earl Shilton Building Society was founded in 1879 in the village of Earl Shilton in Leicestershire. The society has served its local community for nearly 150 years, providing savings accounts and mortgage lending with a focus on personal relationships and individual assessment.
As one of the UK's smallest building societies, Earl Shilton takes a hands-on approach to mortgage lending. Every application is individually assessed by the society's underwriting team, and applicants benefit from direct contact with decision makers. This personal approach means the society can consider circumstances that might not fit the standard criteria of larger lenders.
Earl Shilton Building Society operates from its office in Earl Shilton and primarily lends on properties in the East Midlands. The society remains fiercely independent and is proud of its mutual heritage. It is regulated by the FCA and PRA and is a member of the Building Societies Association.
Lending Focus
Earl Shilton Building Society offers mortgage products across 1 categories including Residential.
Key Features
- Individual underwriting with personal assessment of every application
- Direct access to decision makers and underwriters
- Competitive residential rates from a mutual lender
Pros & Cons
Pros
- Personal, face-to-face service with direct underwriter access
- Individual case assessment benefits non-standard applicants
- No shareholder pressure ensures member-focused lending
Cons
- –Very limited lending area focused on Leicestershire and East Midlands
- –No buy-to-let, self-build, or specialist products
- –No online application or Decision in Principle facility
Fees & Charges
- Arrangement Fee
- Varies by product; typically £200–£400
- Valuation Fee
- Charged at cost depending on property value
- Early Repayment Charge
- 2–3% during the initial deal period
- Overpayment Allowance
- Contact the society for current overpayment terms
Mortgage Rates
Rate data coming soon. View rates on Earl Shilton 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
- No — via broker or branch
- Offer Valid For
- 3 months
Lending Criteria
- Maximum LTV
- 85%
Frequently Asked Questions
Where does Earl Shilton Building Society lend?
Earl Shilton Building Society primarily lends on properties within Leicestershire and the surrounding East Midlands area. Contact the society to confirm whether your property is eligible.
How do I apply for an Earl Shilton Building Society mortgage?
You can apply by visiting the society's office in Earl Shilton or by contacting them by telephone. Applications are processed personally rather than through an online system.
Does Earl Shilton Building Society accept self-employed applicants?
Yes, the society considers self-employed applicants individually. You will typically need at least two years of accounts or tax calculations to support your application.
What is the maximum mortgage term at Earl Shilton Building Society?
Mortgage terms are typically up to 25 years, though the society may consider longer terms depending on the applicant's age and circumstances.
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 |
|---|---|---|---|
| Bath Building Society | Residential, Self Build | Building Soc. | 85% |
| Beverley Building Society | Residential | Building Soc. | 85% |
| Buckinghamshire Building Society | Residential, Buy-to-Let, Limited Company | Building Soc. | 90% |
| Cambridge Building Society | Residential, Buy-to-Let, Self Build+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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