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.
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?
Yes, West Bromwich Building Society is one of the few building societies offering specialist expat mortgage products. They lend to UK nationals living abroad who want to purchase or remortgage property in England and Wales.
Does West Bromwich Building Society lend to limited companies for buy-to-let?
Yes, West Bromwich Building Society offers buy-to-let mortgages for limited company borrowers as well as individual landlords and portfolio investors.
Does West Bromwich Building Society use manual underwriting?
Yes, West Bromwich Building Society employs manual underwriting, meaning applications are individually assessed by an underwriter rather than processed purely by automated systems. This benefits borrowers with non-standard circumstances.
What areas does West Bromwich Building Society lend in?
While their branch network is based in the West Midlands, West Bromwich Building Society lends on properties across England and Wales through both direct and intermediary channels.
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 |
|---|---|---|---|
| Coventry Building Society | Residential, Buy-to-Let | Building Soc. | 95% |
| HSBC UK | Residential, Buy-to-Let, Expat+1 | Bank | 90% |
| Lloyds Bank | Residential, Buy-to-Let, Shared Ownership+1 | Bank | 95% |
| Skipton International | Residential, Buy-to-Let, Expat | Specialist | 80% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
April Mortgages: A Modern Approach to Lending
April Mortgages is enhancing its brand and operational efficiency to better serve borrowers and intermediaries, including new offerings for those over 50.
Managing a 35-Year Mortgage: Key Strategies for Borrowers
Understanding how to manage a 35-year mortgage is important for borrowers, especially as they approach retirement.
UK Property Market Activity Remains Subdued Amid Challenges
UK property market activity remains subdued as affordability and uncertainty weigh on buyers, with transactions down 2% year-on-year in August 2026.
How Klarna Affects Your Mortgage Application
Understanding how Klarna affects your mortgage application is important, especially with new FCA regulations in place.
On this page
Need help choosing a broker?
Get matched with relevant advisers.
Sample adviser photos for illustration.
100% free No obligation FCA Brokers only
View Lenders
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.
Social Media
Follow West Bromwich Building Society on social media for updates and insights.