Newbury Building Society
Building SocietyNewbury Building Society is a Berkshire-based mutual offering residential and buy-to-let mortgages with individual underwriting, competitive rates, and a strong presence in the Thames Valley and wider South of England.
About Newbury Building Society
Newbury Building Society was established in 1856 in the market town of Newbury, Berkshire. For nearly 170 years the society has served the communities of West Berkshire and the Thames Valley, growing into a respected regional lender with an expanding reach across the South of England and beyond.
The society offers a broad range of mortgage products including residential, buy-to-let, and shared ownership mortgages. Newbury Building Society is known for its competitive rates and individual underwriting approach, which allows it to consider applicants with non-standard income, self-employment, or contractor arrangements. The society also supports first-time buyers with products designed for those with smaller deposits.
Newbury Building Society operates from several branches across Berkshire and Oxfordshire and works with mortgage brokers nationwide. The society has invested in modern technology 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
Newbury Building Society offers mortgage products across 3 categories including Residential, Buy-to-Let, Shared Ownership.
Key Features
- Competitive rates across residential and buy-to-let products
- Shared ownership mortgages for first-time buyers
- Individual underwriting with flexible income assessment
- Branch network across Berkshire and Oxfordshire
- Up to 95% LTV on selected residential products
Pros & Cons
Pros
- Competitive rates that rival the larger building societies
- Up to 95% LTV makes mortgages accessible for low-deposit buyers
- Shared ownership support helps first-time buyers
- Individual underwriting provides flexibility for self-employed borrowers
Cons
- –Branch network concentrated in Berkshire and Oxfordshire
- –No self-build, bridging, or specialist lending products
- –Less well-known nationally than the largest building societies
Fees & Charges
- Arrangement Fee
- Varies by product; fee-free options available
- Valuation Fee
- Free on selected products; otherwise charged at cost
- 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. View rates on Newbury 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
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 95%
Frequently Asked Questions
Does Newbury Building Society offer shared ownership mortgages?
Yes, Newbury Building Society supports shared ownership purchases, allowing you to buy a share of a property and pay rent on the remainder.
What is the maximum LTV Newbury Building Society offers?
Newbury Building Society offers residential mortgages up to 95% LTV on selected products, making them accessible for first-time buyers with a 5% deposit.
Does Newbury Building Society work with mortgage brokers?
Yes, the society works with mortgage brokers across England and Wales, making its products accessible to borrowers outside the immediate Berkshire area.
Can contractors apply for a Newbury Building Society mortgage?
Yes, Newbury Building Society considers contractor income and can use the daily or annual contract rate for affordability purposes, assessed on a case-by-case basis.
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% |
| Chelsea Building Society | Residential, Buy-to-Let, Shared Ownership | Building Soc. | 95% |
| Nationwide Building Society | Residential, Buy-to-Let, Shared Ownership+1 | Building Soc. | 95% |
| Scottish Building Society | Residential, Buy-to-Let, Self Build+1 | 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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