Furness Building Society
Building SocietyFurness Building Society is a regional building society based in Cumbria, offering residential and buy-to-let mortgages with a personal, member-first approach. They are particularly known for their manual underwriting, which allows them to consider cases that fall outside standard high-street criteria.
Visit WebsiteFurness Building Society
Lending Focus
Furness Building Society offers mortgage products across 2 categories including Residential, Buy-to-Let.
Key Features
- Manual underwriting for individual case assessment
- Residential mortgages up to 90% LTV
- Predominantly broker-distributed with some direct lending
- Buy-to-let products for individual landlords
- Regional building society with flexible criteria
Pros & Cons
Pros
- Manual underwriting allows individual case assessment
- Flexible criteria suited to non-standard borrower profiles
- Member-owned mutual with a personal, community-focused approach
- Available both direct and through brokers
Cons
- –Small regional society — limited brand recognition nationally
- –No bridging, commercial, or specialist lending products
- –Processing times may be slower than larger lenders
Fees & Charges
Arrangement Fee
Typically £499–£999 — varies by product
Valuation Fee
Varies by property value — quoted at application
Early Repayment Charge
Typically applies during fixed-rate period — varies by product
Overpayment Allowance
Up to 10% of outstanding balance per year
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Furness Building Society. In the meantime, visit their website for the latest rates.
View rates on Furness Building SocietyApplication Process
Processing Time
3–6 weeks from application to offer
Online DIP
No — via broker or branch
Offer Valid For
6 months from date of offer
Lending Criteria
Maximum LTV
90%
Frequently Asked Questions
Where is Furness Building Society based?
Does Furness Building Society manually underwrite mortgages?
Can self-employed borrowers apply to Furness Building Society?
Does Furness Building Society offer buy-to-let mortgages?
How to Apply
Direct & Broker Access
You can apply directly with Furness Building Society or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a Furness Building Society Broker?
Find FCA-regulated mortgage brokers who have Furness Building Society on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.