Mortgage Rates

Godiva Mortgages Mortgage Rates - October 2026

Current Godiva Mortgages residential, buy-to-let and product transfer rates, reviewed monthly. Compare against the whole market through DBF - whole-of-market broker, FCA 814533.

Next review: November 2026

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Godiva Mortgages mortgage

DBF Product Transfer System

If you decide to stay with Godiva Mortgages at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if Godiva Mortgages is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

Residential Mortgage Rates

Illustrative rates - reviewed October 2026. Subject to change. For accuracy, get a personalised quote.
Product	60% LTV	75% LTV	85% LTV
2-Year Fixed	3.89%	4.14%	4.49%
5-Year Fixed	3.79%Best	4.04%	4.39%
2-Year Tracker	5.09%	–%	–%
Standard Variable Rate (SVR)	7.74%

Buy-to-Let Mortgage Rates

Buy-to-let illustrative rates - October 2026. Subject to change.
Product	60% LTV	75% LTV
2-Year Fixed BTL	4.39%	4.69%
5-Year Fixed BTL	4.29%Best	4.59%

Product Transfer Rates

Product transfer rates are typically 0.1–0.2% below equivalent new deal rates. Cashback available on eligible like-for-like transfers through DBF.
Product Transfer Type	Indicative Rate	Cashback via DBF
2-Year Fixed Product Transfer	3.74%	Cashback available
5-Year Fixed Product Transfer	3.69%	Cashback available

About Godiva Mortgages

Godiva Mortgages is the intermediary-only lending brand of Coventry Building Society, offering a dedicated broker channel with competitive pricing and streamlined processing. As the broker arm of one of the UK's largest building societies, Godiva benefits from Coventry's funding strength while providing a focused intermediary experience.

Godiva suits brokers placing standard residential and buy-to-let cases where competitive pricing and reliable service are the priority. Their product range mirrors Coventry's strong position in the market, with fee-free options and competitive fixed rates. The dedicated intermediary model means broker queries are handled by a specialist team, resulting in generally faster processing than the direct channel.

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Get your Godiva Mortgages rate comparison

Tell us about your mortgage and we will compare Godiva Mortgages's current rates against the whole market - free, fast and with no obligation.

0204 6211776

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FAQs

Frequently asked questions

What is Godiva Mortgages's best mortgage rate in October 2026?

Godiva Mortgages' best rate in October 2026 is approximately 3.79% on a 5-year fixed at 60% LTV - in line with their parent Coventry Building Society's competitive market position.

Can I get cashback on a Godiva Mortgages product transfer?

Yes - through Doulton Bridging Finance. Eligible clients renewing with Godiva Mortgages on a like-for-like product transfer can receive cashback when processed via DBF. This is not available when applying direct to Godiva Mortgages.

Is it faster to renew my Godiva Mortgages mortgage through a broker?

DBF's product transfer system can process Godiva Mortgages renewals faster than applying direct in many cases. We handle all paperwork and submission on your behalf and compare the whole market first to confirm Godiva Mortgages remains competitive.

What is Godiva Mortgages's SVR in October 2026?

Godiva Mortgages' Standard Variable Rate in October 2026 is approximately 7.74%, reflecting Coventry Building Society's underlying rate structure. Customers who don't act when their fixed term ends revert to this rate. Contact DBF before your deal expires to compare alternatives.

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