Leeds Building Society mortgages

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Last updated on 18 March 2021.

Leeds Building Society Mortgages FAQ

Who are Leeds Building Society?

Leeds Building Society is a building society based in Leeds, England. They serve over 700,000 customers across the UK, by providing savings accounts, life planning products, insurance and mortgages. As they hold £9.9 billion in savings balances, Leeds Building Society is the fifth largest building society in the UK.

What type of mortgages does the Leeds Building Society offer?

Leeds Building Society offer a range of mortgages to suit a range of different buyers. Their services are designed for existing and new customers.

New customers:

  • Fixed rate mortgages
  • Buy-to-let mortgages
  • Remortgaging facilities

Existing customers:

  • Switch to a new deal

What are Leeds Building Society mortgage rates?

Leeds Building Society mortgage rates will vary from mortgage product to mortgage product. You can scroll up this page to compare Leeds Building Society mortgage interest rates in our comparison table.

With our table, you can filter the society’s mortgages by interest rates from ‘low to high’ and by annual percentage rate of charge (APRC) – this is a measure which allows consumers to compare the cost of mortgages across their full term.

Why is this valuable? It’s because the interest rate applied to a mortgage is not set in stone. Mortgage interest rates fluctuate across the duration of mortgage terms.

What is the difference between fixed rate and variable rate mortgages?

A fixed rate mortgage means your monthly repayments remain the same for a set period. Usually, this set period is two or five years, but some providers have been known to offer 10 year fixed rate mortgages. This type of mortgage is suitable for those who want to know exactly how much their remortgage repayments will be each month.

After the initial period ends, a borrower’s interest rates will revert to the lender’s standard variable rate (SVR).

With a variable rate mortgage, on the other hand, your mortgage payments can go up or down each month. This type of mortgage, therefore, is usually more suited to those who feel they have the financial security to cope, should interest rate rises cause their monthly repayment amount to rise.

Variable rate mortgage interest rates are set according to a lender’s SVR, which they can choose to alter at any time.

How much mortgage can I afford?

The size of the mortgage you’ll be able to afford depends on a number of factors.

Typically, the larger your deposit the lower your mortgage, so if you save more towards a property, you will have a less considerable financial commitment.

The size of the mortgage you’ll be able to afford will depend on your financial commitments too. If you have debts to pay off, this will impact on your ability to afford a mortgage. Also, the amount of money you spend each month from your salary will also impact how large a mortgage you can afford.

Leeds Building Society mortgage rates will also depend on the current financial climate and their SVR. To get an idea of the size of mortgage you might be able to afford, the Leeds Building Society mortgage calculator can give you an instant indication of the sum you could potentially borrow.

This figure is just an indication; your maximum borrowing range will be provided when you receive a mortgage agreement in principle. This is part of the Leeds Building Society mortgage application process, and all mortgage providers’ application processes.

Services offered by this provider may change over time. Always check Ts&Cs.

NerdWallet has selected Koodoo to provide you with this information-only online comparison service on a non-advised basis. NerdWallet will receive a share of the commission that Koodoo earns from the lender or from our partnered broker, Fluent Mortgages.

Koodoo is the trading name of Mortgage Power Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 845978), and is a registered company in England and Wales (company registration number 10978680), with a registered address at Scale Space, 58 Wood Lane, London, W12 7RZ

Fluent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FRN 458914), and is a registered company in England and Wales (company registration number 10978680), with a registered address at 102 Rivington House, Chorley, New Road, Horwich, Bolton, BL6 5UE