Market Harborough Building Society
Building SocietyMarket Harborough Building Society is a Leicestershire-based mutual offering residential and self-build mortgages. They are well-regarded for their pragmatic approach to non-standard cases, including unusual properties and complex income structures, and they lend nationwide through brokers and direct channels.
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About Market Harborough Building Society
Market Harborough Building Society was founded in 1870 and has its headquarters in Leicestershire. The society is a mutual with no shareholders, offering residential and self-build mortgages. Market Harborough is well-regarded for its pragmatic approach to non-standard cases, including unusual properties and complex income structures.
Market Harborough lends nationwide through brokers and direct channels. The society serves first-time buyers, home movers, and self-builders. Market Harborough's manual underwriting allows it to consider applications that fall outside standard criteria.
Market Harborough Building Society is regulated by the FCA and PRA and is a member of the Building Societies Association. The society has built a reputation for flexibility and a common-sense approach to lending.
Lending Focus
Market Harborough Building Society offers mortgage products across 2 categories including Residential, Self Build.
Key Features
- Self-build mortgages with advance stage payments
- Flexible criteria for non-standard property types
- Residential lending up to 90% LTV
- Available direct and through broker intermediaries
- Manual underwriting for individual assessment
Pros & Cons
Pros
- Self-build mortgage specialist with advance stage payments
- Flexible criteria for non-standard property types
- Manual underwriting for individual case assessment
- Available direct and through broker intermediaries
Cons
- –Small regional building society — limited brand recognition
- –No bridging, commercial, or specialist lending products
- –Processing may be slower than larger lenders
Fees & Charges
- Arrangement Fee
- Typically £499–£999 — varies by product
- Valuation Fee
- Varies by property value — quoted at application
- Early Repayment Charge
- Typically applies during fixed-rate period — varies by product
- Overpayment Allowance
- Up to 10% of outstanding balance per year
Mortgage Rates
Rate data coming soon. View rates on Market Harborough 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
- 3–6 weeks from application to offer
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 months from date of offer
Lending Criteria
- Maximum LTV
- 90%
Frequently Asked Questions
Does Market Harborough Building Society offer self-build mortgages?
Can Market Harborough lend on unusual property types?
Does Market Harborough Building Society lend nationwide?
What is the maximum LTV from Market Harborough Building Society?
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
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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.