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Mortgages you can depend on
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Mortgages by Leek Building Society

We’ve gathered 160 years of experience delivering reliable mortgages with exceptional levels of customer service you can depend on.

Our team of Qualified Mortgage Advisers are available to support you throughout the whole process, helping you choose the right mortgage for your circumstances from our competitive range of products.

Obtaining a mortgage can be an exciting time for most people - whether you are getting the keys to your first home, improving your existing home or arranging your finances for the future. Whatever the reason, we are here to help you.

Residential Mortgage Products Available

Fixed Rate Mortgages

A fixed rate for a set amount of time, providing you with stability and guaranteeing your monthly repayment amount, regardless of any changes in interest rates.

Once this fixed period ends, your mortgage rate will change back to our Standard Variable Rate (SVR) at the current rate at this time.

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
3041 2 Year Fixed Rate up to 90% loan to value WITH £400 Cashback² £0 £0 6.20% Fixed for 28/02/2026 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
3043 5 Year Fixed Rate up to 90% loan to value WITH £400 Cashback² £0 £0 5.50% Fixed until 28/02/2029 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
3045 2 Year Fixed Rate up to 85% loan to value WITH £400 Cashback² £0 £0 6.12% Fixed until 28/02/2026 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
3057 2 Year Fixed Rate up to 85% loan to value £995 £0 5.40% Fixed until 28/02/2026 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
3058 5 Year Fixed Rate up to 85% loan to value WITH £400 Cashback² £0 £0 5.15% Fixed until 28/02/2029 8.24% 7.1% Annual Percentage Rate of Charge (APRC)1 View  
3059 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value £995 £0 5.45% Fixed until 28/02/2026 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
3061 2 Year Fixed Rate up to 90% loan to value WITH £400 Cashback² £995 £0 5.65% Fixed for 28/02/2026 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
3062 5 Year Fixed Rate up to 90% loan to value WITH £400 Cashback² £995 £0 5.12% Fixed until 28/02/2029 8.24% 7.0% Annual Percentage Rate of Charge (APRC)1 View  
3063 2 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² £0 £0 6.38% Fixed until 28/02/2026 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

Representative Example (based on a residential property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a fixed rate for 2 years fixed at 6.20% and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £21.17, followed by
24 monthly repayments of £816.65, followed by
276 monthly repayments of £968.67
The total amount payable would be £287,113.69 made up of the loan amount of £125,000.00 plus interest (£161,973.69), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 8.0% APRC representative.
Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

Discounted Mortgages

A discount mortgage is a type of variable-rate mortgage. The term 'discount' is used because the interest rate is set at a certain 'discount' below our Standard Variable Rate (SVR) for a set period of time.

Having a discount mortgage means you can be sure that your rate will always remain below our SVR for the length of the deal.

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
3019 2 Year Discounted rate up to 90% loan to value £0 £0 5.80% Variable for 2 years (our standard variable rate minus 2.44% discounted) 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
3064 2 Year Discounted Rate up to 80% loan to value £495 £0 5.36% Variable for 2 Years (our standard variable rate Minus 2.88% discounted) 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
3065 Residential Interest Only 2 Year Discounted Rate up to 75% loan to value £0 £0 5.49% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.

Representative Example (based on a residential property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a discounted variable rate of 5.80% (equal to 2.44% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £336.75, followed by

24 monthly repayments of £786.48, followed by

276 monthly repayments of £966.54

The total amount payable would be £286,117.31 made up of the loan amount of £125,000.00 plus interest (£160,977.31), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.9% APRC representative. Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details. 

Buy to Let Mortgage Products Available

Buy to Let Fixed Rate Mortgages

A fixed rate for a set amount of time, providing you with stability and guaranteeing your monthly repayment amount, regardless of any changes in interest rates.

Once this fixed period ends, your mortgage rate will change back to our Standard Variable Rate (SVR) at the current rate at this time.

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
3047 Buy to Let Standard 5 Year Fixed Rate up to 75% loan to value £1495 £0 5.38% Fixed until 28/02/2029 8.24% 7.4% Annual Percentage Rate of Charge (APRC)1 View  
3060 Buy to Let Standard 5 Year Fixed Rate up to 65% loan to value £1495 £0 4.95% Fixed until 28/02/2029 8.24% 7.3% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.

Representative Example (based on a Non-portfolio Investment Property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £250,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 5 years fixed at 5.38% and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 20 years you would pay:
1 monthly repayment of £36.75, followed by
60 monthly repayments of £1,115.99, followed by
240 monthly repayments of £1,705.09
1 final payment of £250,000.00
The total amount payable would be £727,852.75 made up of the loan amount of £250,000.00 plus interest (£476,217.75), product fee of £1,495, a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.4% APRC representative.
Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

Buy to Let Discounted Mortgages

A discount mortgage is a type of variable-rate mortgage. The term 'discount' is used because the interest rate is set at a certain 'discount' below our Standard Variable Rate (SVR) for a set period of time.

Having a discount mortgage means you can be sure that your rate will always remain below our SVR for the length of the deal.

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1997 Buy to Let Standard 2 Year Discounted rate up to 75% loan to value £995 £0 5.65% Variable for 2 Years (our standard variable rate minus 2.59% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
1998 Buy to Let Green Holiday Let 2 Year Discounted rate up to 75% loan to value WITH £400 Cashback² £995 £0 5.70% Variable for 2 Years (our standard variable rate minus 2.54% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
1999 Buy to Let Holiday Let 2 Year Discounted rate up to 75% loan to value £995 £0 5.70% Variable for 2 Years (our standard variable rate minus 2.54% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
3006 Buy to Let Regulated Family 2 Year Discounted rate up to 75% loan to value £0 £0 6.10% Variable for 2 Years (our standard variable rate minus 2.14% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
3033 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value £995 £0 5.75% Variable for 2 Years (our standard variable rate Minus 2.49% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
3049 Buy to Let Non Homeowner 2 Year Discounted Rate up to 75% loan to value £0 £0 6.10% Variable for 2 years (our standard variable rate Minus 2.14% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
3055 Buy to Let Green Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² £995 £0 5.99% Variable for 2 years (our standard variable rate Minus 2.25% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  
3056 Buy to Let Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value £995 £0 5.99% Variable for 2 years (our standard variable rate Minus 2.25% discounted) 8.24% 8.1% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.

All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.

Representative Example (based on a Non-portfolio Investment Property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £250,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 5.40% (equal to 2.59% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 7.99% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £628.77, followed by

24 monthly repayments of £1,120.13, followed by

276 monthly repayments of £1,653.88 1 final payment of £250,000.00

The total amount payable would be £735,117.77 made up of the loan amount of £250,000.00 plus interest (£483,982.77), product fee of £995, a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.8% APRC representative.

Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

Why choose Leek Building Society?

Expert advice from Qualified Mortgage Advisers

Appointments with our Mortgage Advisers are available over the phone, via Teams video call or in person at any of our branches. Your dedicated Mortgage Adviser will guide you through the process, listening closely to your needs and circumstances to ensure you receive the most suitable mortgage for you.

Nicola Ledward

Nicola Ledward

Qualified Mortgage Adviser
Laura Panek

Laura Panek

Qualified Mortgage Adviser
Laura Bradshaw

Laura Bradshaw

Qualified Mortgage Adviser
Joanne Morgan

Joanne Morgan

Qualified Mortgage Adviser
Craig Morton

Craig Morton

Qualified Mortgage Adviser

Mortgage Calculator

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Call us free between 9am - 5pm (Monday - Friday) on 0808 169 6680 to make an appointment with one of our Qualified Mortgage Advisers.

Appointments available between:

8am - 7pm Monday - Thursday

8am - 5pm - Friday

9am - 4pm - Saturday

If you call outside these hours please leave a message and we will call back as soon as possible during office hours.

Make an appointment with a Qualified Mortgage Adviser or call 0808 169 6680

THE MORTGAGED PROPERTY (WHICH COULD BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.