At Nottingham Building Society, we’re on an exciting journey to make it easier for people with different or complex circumstances to own their own home.
Who we are and what we do
Join us on a mission to make homeownership a reality for people with different or tricky finances. We want you to love working with us. That means user-friendly systems, top-notch communication and new tech that keeps a personal touch.
Unlocking homeownership
We find new ways to help people get into their dream homes – even if they're struggling.
Embracing differences
Every borrower is unique. We focus on understanding those differences and lending where others hesitate.
Partnering with the best
To hit these goals, we've teamed up with some of the sharpest minds in fintech. They're transforming how we work and who we can lend to.
A fresh new look
If you've noticed we look a little different, that's because we are different. Our new brand celebrates our 175-year-old history with a modern twist. By championing financial diversity, we're redefining mutuals to reflect today's Britain.
KEY FEATURES:
- One free basic valuation and a subsidised homebuyers repor
- Free legal fees for remortgages (standard legal fees only) excluding limited company buy-to-let
- Full procuration fee paid on porting applications
- All mortgage offers valid for six months
- Latest trading figures considered for self-employed applicants
PRODUCTS AND CRITERIA
Residential
- Strong affordability, including max LTI of 5.5x
- Interest only up to 80% LTV (60% for sale of mortgaged property)
Foreign nationals
- No minimum time of residency required in the UK
- No UK credit history needed – through our data partner we can access overseas credit files from 13 different countries
Retirement interest only
- Up to 60% LTV
- Purchase and remortgage
Buy-to-let
- No minimum personal income requirement
- Non-current owner occupier
Limited co BTL
- New landlord and new SPV accepted
- Flexible deposit and concessionary purchase accepted
*Products from Nottingham Building Society can be accessed by using Next Intelligence as your payment route.