Mortgage Rates

Monmouthshire Building Society Mortgage Rates - October 2026

Compare Monmouthshire Building Society’s current residential, buy-to-let and product transfer rates against the whole market. DBF is a whole-of-market mortgage broker: we search every deal, not just one lender’s range.

Best 5-yr fixed from 4.18%

Best 2-yr fixed from 5.58%

SVR 7.54%

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Monmouthshire Building Society mortgage

DBF Product Transfer System

If you decide to stay with Monmouthshire 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 Monmouthshire 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

Monmouthshire Building Society Residential Mortgage Rates

Residential mortgage rates - indicative, updated monthly. Confirm current rates with DBF before proceeding.
Product	Rate	Initial Period	Fee	Overpay
2-yr fixed 60% LTV	5.58%	2 years	£995
2-yr fixed 75% LTV	5.76%	2 years	£995
2-yr fixed 85% LTV	5.98%	2 years	£995
5-yr fixed 60% LTV	4.18%Best	5 years	£995
5-yr fixed 75% LTV	4.38%	5 years	£995
5-yr fixed 85% LTV	4.60%	5 years	£995
5-yr fixed 90% LTV	4.80%	5 years	£995
2-yr tracker 65% LTV	Base+1.33%	2 years	£595
Standard Variable Rate	7.54%	Ongoing	None	-

Monmouthshire Building Society Buy-to-Let Mortgage Rates

Buy-to-let mortgage rates - indicative, updated monthly. Portfolio and HMO criteria apply.
Product	Rate	Initial Period	Fee
BTL 2-yr fixed 65% LTV	6.16%	2 years	£1,299
BTL 5-yr fixed 65% LTV	4.80%Best	5 years	£1,299
BTL 5-yr fixed 75% LTV	5.06%	5 years	£1,299

Monmouthshire Building Society Product Transfer Rates

Product transfers - rates indicative; DBF will confirm current availability. Cashback via DBF, not available direct.
Product Transfer Option	Rate	Initial Period	Fee	Cashback
Monmouthshire Building Society 2-yr fixed PT (same LTV band)	5.63%	2 years	£0	Cashback available
Monmouthshire Building Society 5-yr fixed PT (same LTV band)	4.23%	5 years	£0	Cashback available
Monmouthshire Building Society PT + borrow more (residential)	4.30%	5 years	£595	Cashback available

About Monmouthshire Building Society Mortgages

Monmouthshire Building Society is a Welsh mutual lender with roots stretching back over 150 years. Based in Newport, the society serves borrowers across Wales and the border counties, offering residential and buy-to-let mortgages with a strong community ethos.

Monmouthshire Building Society suits borrowers in Wales and the Welsh Marches, particularly those purchasing properties in rural or semi-rural locations where larger lenders may be more cautious. Their Welsh language service and local expertise make them a natural choice for many Welsh borrowers.

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

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FAQs

Frequently asked questions

What are Monmouthshire Building Society’s current mortgage rates?

Monmouthshire Building Society’s current rates start from 4.18% on a 5-year fixed at 60% LTV for residential borrowers. Rates rise to 5.38% or above for higher LTV tiers and specialist products. All rates shown are indicative and reviewed monthly by DBF - contact us to confirm today’s live rates.

What is Monmouthshire Building Society’s Standard Variable Rate (SVR)?

Monmouthshire Building Society’s SVR is currently 7.54%. This is the rate you revert to when your fixed or tracker deal expires. DBF strongly recommends arranging a new fixed rate before this happens - the SVR is almost always more expensive than any new deal available.

Can I get cashback on a Monmouthshire Building Society product transfer through DBF?

Yes. Eligible Monmouthshire Building Society mortgage holders renewing through DBF can receive cashback on their product transfer. This is not available if you apply direct to Monmouthshire Building Society. Contact DBF at least 3 months before your current deal expires to ensure we can secure the best rate and arrange cashback.

Is Monmouthshire Building Society right for me, or should I switch lender?

That depends entirely on your circumstances. Monmouthshire Building Society may offer the best rate for your profile - or a different lender in our panel of 130+ may beat them. DBF will compare the whole market and recommend the best option, whether that’s staying with Monmouthshire Building Society or switching to a competitor.

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