Leek Building Society
Building SocietyLeek Building Society is a Staffordshire-based mutual offering residential, buy-to-let, and self-build mortgages with a personal, individual approach to underwriting and strong roots in the Staffordshire Moorlands.
About Leek Building Society
Leek Building Society was established in 1863 in the market town of Leek in the Staffordshire Moorlands. The society has served its community for over 160 years, providing savings and mortgage products with a focus on personal service and local expertise. Leek Building Society is a separate entity from the former Leek United Building Society.
The society offers a range of mortgage products including residential, buy-to-let, and self-build mortgages. Leek Building Society individually underwrites every application, giving it the flexibility to consider borrowers with non-standard circumstances including self-employed applicants, contractors, and those with complex income. The society also lends on some non-standard property types.
Leek Building Society operates from branches across Staffordshire and lends on properties throughout England and Wales. The society has embraced intermediary partnerships to extend its reach beyond the local area while maintaining its personal service ethos. It is regulated by the FCA and PRA and is a member of the Building Societies Association.
Lending Focus
Leek Building Society offers mortgage products across 3 categories including Residential, Buy-to-Let, Self Build.
Key Features
- Self-build mortgages with stage payment options
- Individual underwriting on every application
- Buy-to-let products for individual landlords
- Branch network across Staffordshire with local expertise
- Flexible approach to self-employed and contractor income
Pros & Cons
Pros
- Self-build mortgage products suit those building their own home
- Individual underwriting offers flexibility for non-standard cases
- Strong local branch presence across Staffordshire
- Mutual status keeps focus on member value rather than profit
Cons
- –Branch network concentrated in Staffordshire
- –No limited company buy-to-let or HMO products
- –Less competitive on rate compared to the largest building societies
Fees & Charges
- Arrangement Fee
- Varies by product; typically £299–£699
- Valuation Fee
- Charged based on property value; free on selected products
- Early Repayment Charge
- 1–3% during the initial deal period
- Overpayment Allowance
- Up to 10% per year without charge
Mortgage Rates
Rate data coming soon. View rates on Leek 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
- 3–5 weeks
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 90%
Frequently Asked Questions
Does Leek Building Society offer self-build mortgages?
Yes, Leek Building Society offers self-build mortgages with funds released in stages throughout the construction process. Contact the society for current criteria and advance stage details.
Is Leek Building Society the same as Leek United Building Society?
No, Leek Building Society and Leek United Building Society are separate organisations. Leek United merged with other societies and no longer operates under that name.
Does Leek Building Society lend outside Staffordshire?
Yes, Leek Building Society lends on properties across England and Wales, though its branch network is concentrated in the Staffordshire area.
Can I apply through a mortgage broker?
Yes, Leek Building Society works with mortgage brokers and intermediaries across England and Wales, giving borrowers outside the branch network access to its products.
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 |
|---|---|---|---|
| Cambridge Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 95% |
| Dudley Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 90% |
| Leeds Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 95% |
| Saffron Building Society | Residential, Buy-to-Let, Self Build | Building Soc. | 90% |
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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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