Mortgage Rates

Harpenden Building Society Mortgage Rates - October 2026

Current Harpenden Building Society 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 Harpenden Building Society mortgage

DBF Product Transfer System

If you decide to stay with Harpenden Building Society 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 Harpenden Building Society 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	4.09%	4.34%	4.74%
5-Year Fixed	3.99%Best	4.24%	4.64%
2-Year Tracker	5.29%	–%	–%
Standard Variable Rate (SVR)	7.84%

Buy-to-Let Mortgage Rates

Buy-to-let illustrative rates - October 2026. Subject to change.
Product	60% LTV	75% LTV
2-Year Fixed BTL	4.59%	4.89%
5-Year Fixed BTL	4.49%Best	4.79%

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	3.94%	Cashback available
5-Year Fixed Product Transfer	3.89%	Cashback available

About Harpenden Building Society

Harpenden Building Society is a small regional mutual based in Hertfordshire, offering residential and buy-to-let mortgages with a personal touch. Their manual underwriting and community ethos make them well suited to applicants who need a lender to assess their case individually, particularly self-employed borrowers, older applicants and those with atypical income.

Harpenden Building Society's residential product range covers standard purchase, remortgage and product transfer, with buy-to-let available for individual landlords. Their Hertfordshire base gives them particular knowledge of the local property market, and their service model prioritises personal relationships with borrowers and brokers alike. A reliable choice for cases requiring individual consideration.

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Get your Harpenden Building Society rate comparison

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

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FAQs

Frequently asked questions

What is Harpenden Building Society's best mortgage rate in October 2026?

Harpenden Building Society's best rate in October 2026 is approximately 3.99% on a 5-year fixed at 60% LTV for residential borrowers.

Can I get cashback on a Harpenden Building Society product transfer?

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

Is it faster to renew my Harpenden Building Society mortgage through a broker?

DBF's product transfer system can process Harpenden Building Society 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 Harpenden Building Society remains competitive.

What is Harpenden Building Society's SVR in October 2026?

Harpenden Building Society's Standard Variable Rate in October 2026 is approximately 7.84%. 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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