Savings
Whether you’re looking for instant access, annual bonuses or tax-free savings, we have an account that will help you achieve your savings goals.
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Mortgages
Whether you’re looking to buy your first home, move somewhere bigger, or simply get a better deal, we can offer a mortgage that suits you.
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Help
Need help? Take a look at our FAQs section for some guidance.
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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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Buying your first home?
We’re here to help you get on the property ladder with our range of mortgages for first-time buyers.
Speak to an Adviser
See our Rates

Low Deposit Mortgages

Saving up for a house deposit takes time - but with our Low Deposit mortgages, it might not take as long as you think.

Help to Buy - Wales Mortgages

First time buyers in Wales can get help towards purchasing a property with the Help to Buy - Wales scheme.

Mortgage Calculator

Get an idea of how much you could borrow in seconds - try our online mortgage calculator.

Mortgage Rates for First-Time Buyers

All our mortgages move onto our Standard Variable Rate after the initial rate period. Our Standard Variable Rate is currently 4.99%.  If our Standard Variable Rate changes, your monthly repayments could go up or down.

Please note that the mortgage products listed below are for House Purchase only, and cannot be used for Rate Switch, Remortgage or Buy-to-Let.

2 Year Discount Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
0.99% 4.4% APRC 80% £1,999 - More details
1.59% 4.4% APRC 80% - - More details
1.85% 4.6% APRC 90% £995 - More details
2.99% 4.8% APRC 95% - £250 cashback More details
2 Year Fixed Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
1.63% 4.5% APRC 80% £999 - More details
1.93% 4.7% APRC 90% £999 - More details
2.30% 4.7% APRC 90% - - More details
3.35% 4.8% APRC 95% - £250 cashback More details
3.75% 4.9% APRC 95% - £1000 cashback More details
5 Year Fixed Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
1.94% 3.8% APRC 65% £999 - More Details
2.14% 3.9% APRC 65% - - More Details
2.06% 4.0% APRC 80% £999 - More details
2.39% 4.1% APRC 80% - - More details
2.67% 4.3% APRC 90% £999 - More details
2.93% 4.3% APRC 90% - - More details
3.70% 4.6% APRC 95% - £250 cashback More details
4.05% 4.8% APRC 95% - £1000 cashback More details

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

Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.
Useful Resources
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Monmouthshire Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register Number: 206052. FCA register address www.fca.org.uk/register/. We are members of the Financial Services Compensation Scheme. We are members of the Building Societies Association and Council of Mortgage Lenders. Details of our Customer Satisfaction and Complaints procedures are available and complaints that we cannot resolve may be referred to the Financial Ombudsman Service (http://www.financial-ombudsman.org.uk/). By accessing any part of this website, you shall be deemed to have accepted our Website Terms of Use.
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