Nottingham Building Society
Building SocietyNottingham Building Society is a well-established mutual lender offering residential and buy-to-let mortgages through both direct and intermediary channels. With over 175 years of history, it combines traditional building society values with modern lending solutions for a range of borrower types.
About Nottingham Building Society
Nottingham Building Society was founded in 1849 and has over 175 years of history serving members in the East Midlands and beyond. The society has its headquarters in Nottingham and operates as a mutual with no shareholders. Nottingham combines traditional building society values with modern lending solutions and technology.
The society offers residential and buy-to-let mortgages through both direct and intermediary channels. Nottingham serves first-time buyers, home movers, remortgagers, and landlords. The society is known for competitive rates and a personal approach to lending, with dedicated teams for different customer segments.
Nottingham Building Society maintains branches across the East Midlands and serves customers nationwide through mortgage brokers. The society is regulated by the FCA and PRA and is a member of the Building Societies Association. Nottingham has built a reputation for reliability and member-focused service.
Lending Focus
Nottingham Building Society offers mortgage products across 2 categories including Residential, Buy-to-Let.
Key Features
- Intermediary-exclusive products alongside direct mortgage range
- Flexible underwriting with individual case assessment
- Buy-to-let products for experienced and first-time landlords
- Competitive fixed-rate deals with fee-free options
- Personal service with named mortgage case managers
Pros & Cons
Pros
- Named case managers provide a personal touch through the application process
- Flexible underwriting with individual case assessment for non-standard situations
- Fee-free mortgage options available on many products
- Over 175 years of lending experience as a trusted mutual
Cons
- –Maximum LTV of 90% — no 95% products available
- –Maximum loan amount capped at £1 million — lower than most competitors
- –Branch network limited to the East Midlands region
Fees & Charges
- Arrangement Fee
- Fee-free options available; otherwise up to £999
- Valuation Fee
- £250–£1,200 depending on property value
- 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 Nottingham 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 from application to offer
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 90%
- Max Loan Amount
- £1m
- Min Loan Amount
- £25k
- Rate Types
- fixed, tracker, discount
Frequently Asked Questions
What is the maximum loan amount with Nottingham Building Society?
Nottingham Building Society offers mortgages up to £1 million. If you need a larger loan, you may need to consider a lender with higher limits.
Does Nottingham Building Society offer intermediary-exclusive products?
Yes, Nottingham Building Society offers a range of intermediary-exclusive mortgage products through brokers, which are separate from their direct product range and often feature competitive rates.
Does Nottingham Building Society accept first-time landlords for buy-to-let?
Yes, Nottingham Building Society offers buy-to-let mortgages for both experienced landlords and first-time landlords, making them more accessible than some competitors who only lend to existing portfolio holders.
Will I get a named case manager with Nottingham Building Society?
Yes, Nottingham Building Society assigns a named mortgage case manager to handle your application from start to finish, providing a single point of contact throughout the process.
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% |
| Harpenden Building Society | Residential, Buy-to-Let, Limited Company | Building Soc. | 80% |
| Nationwide Building Society | Residential, Buy-to-Let, Shared Ownership+1 | Building Soc. | 95% |
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