Saffron Building Society
Building SocietySaffron Building Society is an Essex-based mutual offering residential, buy-to-let, and self-build mortgages. They are known for their flexible approach to complex cases including self-employed borrowers and unusual property types, and they support both direct applicants and broker-introduced business.
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Lending Focus
Saffron Building Society offers mortgage products across 3 categories including Residential, Buy-to-Let, Self Build.
Key Features
- Self-build mortgages with stage payment options
- Flexible criteria for self-employed and complex income
- Residential and BTL products up to 90% LTV
- Available direct and through intermediary channels
- Consideration of non-standard property construction types
Pros & Cons
Pros
- Self-build mortgage specialist with stage payment options
- Flexible criteria for self-employed and complex income
- Considers non-standard property construction types
- Available both direct and through intermediary channels
Cons
- –Small regional building society — limited brand awareness
- –No bridging, commercial, or specialist lending
- –Self-build products may require more documentation and longer processing
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 Saffron Building Society. In the meantime, visit their website for the latest rates.
View rates on Saffron 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
Does Saffron Building Society offer self-build mortgages?
Can Saffron Building Society lend on non-standard construction?
Where is Saffron Building Society based?
What is the maximum LTV for a Saffron Building Society mortgage?
How to Apply
Direct & Broker Access
You can apply directly with Saffron 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 Saffron Building Society Broker?
Find FCA-regulated mortgage brokers who have Saffron 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.