Godiva Mortgages
Specialist LenderGodiva Mortgages is the specialist intermediary-only lending brand of Coventry Building Society, one of the UK's largest building societies. Godiva offers residential and buy-to-let mortgage products exclusively through mortgage brokers, often with competitive rates backed by the society's mutual strength.
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About Godiva Mortgages
Godiva Mortgages is the intermediary-only brand of Coventry Building Society, the UK's second-largest building society by assets. Named after Lady Godiva, the legendary figure associated with Coventry, the brand was created to serve the broker channel separately from Coventry Building Society's direct-to-consumer offering. This dual-brand approach allows Coventry to offer dedicated products and service to intermediaries without channel conflict.
Godiva offers a range of residential and buy-to-let mortgage products through brokers. The brand benefits from Coventry Building Society's financial strength, mutual ownership model, and consistently strong balance sheet. As a mutual, Coventry does not have shareholders demanding dividends, which has historically allowed the society — and by extension Godiva — to offer competitive rates and straightforward products.
Godiva has built a strong reputation among mortgage intermediaries for reliability, competitive pricing, and efficient processing. The brand's underwriting criteria tend to be more mainstream than ultra-specialist lenders, but Godiva fills an important role as a highly competitive broker-only option backed by one of the UK's strongest building societies. Their product range includes fixed-rate, tracker, and discounted variable rate mortgages for both residential and BTL borrowers.
Lending Focus
Godiva Mortgages offers mortgage products across 2 categories including Residential, Buy-to-Let.
Key Features
- Intermediary-only brand of Coventry Building Society
- Competitive residential and buy-to-let rates backed by mutual strength
- Up to 95% LTV available on residential products
- Fixed, tracker, and discounted variable rate mortgages
- Efficient processing with dedicated intermediary service team
Pros & Cons
Pros
- Backed by Coventry Building Society — UK's second-largest building society
- Consistently competitive rates due to mutual ownership model
- High maximum LTV of 95% on residential products
- Efficient and reliable processing with strong broker reputation
Cons
- –Broker-only — Coventry Building Society's direct products may differ
- –Criteria tend towards mainstream — less suitable for complex or adverse credit cases
- –No specialist products for HMOs, limited companies, or commercial property
Fees & Charges
- Arrangement Fee
- Often fee-free products available — otherwise typically £999
- Valuation Fee
- Free valuations on many products — otherwise based on property value
- Early Repayment Charge
- Typically 2–5% during fixed-rate or discount period
- Overpayment Allowance
- Up to 10% per year on most products
Mortgage Rates
Rate data coming soon. View rates on Godiva Mortgages
| 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
- 1–3 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 95%
Frequently Asked Questions
Is Godiva Mortgages the same as Coventry Building Society?
Why are Godiva Mortgages rates often competitive?
Does Godiva Mortgages offer 95% LTV mortgages?
Can I apply for a Godiva Mortgages product directly?
How to Apply
Broker only. Godiva Mortgages products are available through mortgage brokers. Find a broker with Godiva Mortgages on their panel.
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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.



