Suffolk Building Society
Building SocietySuffolk Building Society is a well-established East Anglian mutual offering residential, buy-to-let, self-build, and shared ownership mortgages with a strong reputation for flexibility and ecological awareness in lending.
About Suffolk Building Society
Suffolk Building Society was established in 1849 in Ipswich and has served the communities of Suffolk and East Anglia for over 175 years. The society has grown from a small local savings organisation into a respected regional lender with a broad product range and a reputation for innovation.
Suffolk Building Society offers residential, buy-to-let, self-build, and shared ownership mortgages. The society has been particularly forward-thinking in its approach to ecological and sustainable property lending, offering green mortgage products and supporting borrowers who are building or improving energy-efficient homes. Suffolk Building Society individually underwrites every application and is known for its flexibility with self-employed borrowers and those with non-standard income.
The society operates from branches across Suffolk and Norfolk and works with mortgage brokers nationally. Suffolk Building Society has won industry awards for its customer service and product innovation. It is regulated by the FCA and PRA and is a member of the Building Societies Association.
Lending Focus
Suffolk Building Society offers mortgage products across 6 categories including Residential, Buy-to-Let, Self Build and 3 more.
Key Features
- Self-build mortgages with advance stage payment options
- Green mortgage products for energy-efficient properties
- Holiday let mortgage products for holiday accommodation landlords
- Shared ownership mortgages for first-time buyers
- Limited company buy-to-let for landlords
Pros & Cons
Pros
- Broad product range including self-build, holiday let, and shared ownership
- Green mortgage products reward energy-efficient properties
- Flexible underwriting for self-employed and contractor income
- Award-winning customer service and product innovation
Cons
- –Branch network concentrated in Suffolk and Norfolk
- –Some products may be limited to the society's core lending area
- –Rates on niche products may be higher than standard residential deals
Fees & Charges
- Arrangement Fee
- Varies by product; typically £299–£999
- 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 on most products
Mortgage Rates
Rate data coming soon. View rates on Suffolk 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
- 90%
Frequently Asked Questions
Does Suffolk Building Society offer self-build mortgages?
Yes, Suffolk Building Society offers self-build mortgages with stage payments released as the build progresses. They also offer advance stage payments, releasing funds before each stage is completed.
What green mortgage products does Suffolk Building Society offer?
Suffolk Building Society offers preferential rates or cashback for energy-efficient properties and those undergoing green improvements. Contact the society for current green mortgage availability.
Can I get a holiday let mortgage from Suffolk Building Society?
Yes, the society offers mortgage products for furnished holiday lets, subject to the property meeting HMRC criteria for a qualifying holiday let.
Does Suffolk Building Society lend outside East Anglia?
Yes, Suffolk Building Society lends on properties across England and Wales, particularly through its mortgage broker partnerships, although some products may have geographic restrictions.
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% |
| Dudley Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 90% |
| Hanley Economic Building Society | Residential, Buy-to-Let, Limited Company+1 | Building Soc. | 85% |
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