West Bromwich Building Society
Building SocietyWest Bromwich Building Society is a Midlands-based mutual lender with particular expertise in residential, buy-to-let, and expat mortgage products. It is one of the few building societies offering dedicated mortgage solutions for UK expats purchasing or remortgaging property in England and Wales.
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About West Bromwich Building Society
West Bromwich Building Society was founded in 1849 in the West Midlands and has served members for over 175 years. The society has its headquarters in West Bromwich and operates as a mutual with no shareholders. West Bromwich has developed particular expertise in expat lending, making it one of the few building societies serving UK nationals living abroad.
The society offers residential, buy-to-let, and expat mortgage products. West Bromwich's expat range allows UK nationals living overseas to purchase or remortgage property in England and Wales, with an understanding of overseas income and employment. The society serves customers through branches in the Midlands and via mortgage brokers nationwide.
West Bromwich Building Society is regulated by the FCA and PRA and is a member of the Building Societies Association. The society has built a niche reputation in expat lending while maintaining competitive residential and buy-to-let products.
Lending Focus
West Bromwich Building Society offers mortgage products across 3 categories including Residential, Buy-to-Let, Expat.
Key Features
- Specialist expat mortgage products for UK nationals living abroad
- Buy-to-let mortgages including limited company and portfolio landlord options
- Manual underwriting with flexible assessment of complex cases
- Competitive residential rates driven by mutual ownership model
- Intermediary and direct channels with dedicated support teams
Pros & Cons
Pros
- One of the few building societies offering specialist expat mortgages
- Manual underwriting allows flexible assessment of complex cases
- Buy-to-let products available for limited company and portfolio landlords
- Competitive rates driven by mutual ownership
Cons
- –Maximum LTV of 90% — no 95% products available
- –Branch network limited to the West Midlands region
- –No shared ownership, self-build, or Help to Buy products
Fees & Charges
- Arrangement Fee
- £999 or fee-free options on selected products
- Valuation Fee
- £250–£1,500 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 West Bromwich 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
- £2m
- Min Loan Amount
- £25k
- Rate Types
- fixed, tracker, discount
Frequently Asked Questions
Does West Bromwich Building Society offer expat mortgages?
Does West Bromwich Building Society lend to limited companies for buy-to-let?
Does West Bromwich Building Society use manual underwriting?
What areas does West Bromwich Building Society lend in?
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.