Insurance & Planning
We offer Funeral Plans and Home Insurance through our partners
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About Us
Established in Newport in 1869 to help local people build homes, we now help people across Wales and England buy properties and save for their future.
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Existing Mortgage Customers
Monmouthshire Building Society is run for its Members – we are here to look after you, which means finding you the best deal.
Rate Switch

When your current mortgage deal is nearing its maturity (coming to an end), we’ll write to you about switching your rate.

Our Mortgage Advisers will provide advice on suitable products and guide you through the process of switching - it couldn’t be easier to move to the best rate for you.

Moving Home

We give our mortgage customers plenty of options if you want to move home.

It’s a good idea to speak with a Mortgage Adviser if you’re thinking about moving, as they’ll be able to identify the option that’s best for you.

If it’s in your best interest to keep your existing rate, you may be able to take your current mortgage product with you to your new home – also known as porting your mortgage.

Another option is to change your mortgage product when you take out the mortgage on your new house.

Bear in mind though:

Unless you’re currently on our Standard Variable Rate (SVR) or you’re nearing the end of your current deal, you’ll usually have to pay an Early Repayment Charge to change your product.

If you do decide to change your product, all our House Purchase mortgages are available to existing customers, and we also have an exclusive rate to thank you for your loyalty.

 

Other Services

Additional Borrowing

Did you know you can borrow more against your property to fund things like home improvements? If you’re interested in borrowing more on your mortgage, book an appointment with one of our Mortgage Advisers.

Transfer of Equity

If you need to add or remove someone from your mortgage, you’ll have to apply for a remortgage. Our Mortgage Advisers can help.

Book an appointment.

Need help?

If you have any other questions regarding your existing mortgage with us, please take a look at our FAQs or get in touch.

 

Rate Switch Deals

The following mortgage products are only available to existing borrowers switching rate when their current mortgage deal ends. 

Residential Mortgages

2 Year Discount Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
1.51% 4.6% APRC 65% £999

No ERC

More details
1.90% 4.6% APRC 65% -

No ERC

More details
1.74% 4.6% APRC 80% -

Up to 10% capital repayments without ERC

More details
2.04% 4.8% APRC 95% - Up to 10% capital repayments without ERC More details
2 Year Fixed Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
2.29% 4.8% APRC 75% -

-

More details
2.40% 4.8% APRC 80% -

-

More details
3.30% 5.0% APRC 95% -

-

More details
3 Year Fixed Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
2.40% 4.5% APRC 65% - - More details
5 Year Fixed Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
2.25% 3.9% APRC 65% -

-

More details
3.00% 4.4% APRC 95% -

-

More details
3.15% 4.5% APRC 95% -

£1,000 cashback

More details

Your home may be repossessed if you do not keep up repayments on your mortgage.

Buy-To-Let Mortgages

2 Year Discount Rate Buy-To-Let Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
2.20% 4.6% APRC 75% -

-

More details
3 Year Discount Rate Buy-To-Let Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
2.74% 4.6% APRC 75% -

-

More details
5 Year Discount Rate Buy-To-Let Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
3.14% 4.3% APRC 75% -

-

More details
5 Year Fixed Rate Buy-To-Let Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
2.88% 4.2% APRC 75% - £300 cashback More details

Buy-to-Let - HMO Mortgages

2 Year Discount Rate Buy-To-Let HMO Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
3.64% 5.0% APRC 75% -

-

More details

Holiday Let Mortgages

2 Year Discount Rate Holiday Let Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
2.74% 4.8% APRC 75% -

-

More details
IF YOU FAIL TO KEEP UP WITH PAYMENTS ON YOUR MORTGAGE A ‘RECEIVER OF RENT’ MAY BE APPOINTED AND/OR YOUR RENTAL PROPERTY MAY BE REPOSSESSED