Mortgages

Nottingham Building Society Mortgages

Personal mortgage lending from a trusted East Midlands building society. Individual underwriting, contractor-friendly criteria, and competitive residential rates.

Regional Building Society

Personal lending from the East Midlands

Founded in 1849, Nottingham Building Society is one of the UK's oldest and most established mutual lenders. Their commitment to individual underwriting means your application is assessed by a person who can weigh up the full picture of your finances, rather than relying on rigid automated criteria.

Through Doulton Bridging Finance, you benefit from our established relationship with Nottingham Building Society. We understand their criteria inside out and can present your application in the way most likely to secure a positive outcome, whether you are employed, self-employed, contracting, or approaching retirement.

1849

Established

Personal

Underwriting

Flexible

Income Rules

Mutual

Ownership

Why Doulton

Why choose Nottingham Building Society

East Midlands Heritage

Nottingham Building Society has served the East Midlands community since 1849, building a reputation for fair lending, competitive rates, and genuine personal service.

Individual Assessment

Every mortgage application is reviewed individually by experienced underwriters who assess your full financial picture, not just a credit score or automated checklist.

Contractor Mortgages

Nottingham BS understands contract-based work and can assess income based on your daily or annual contract rate rather than requiring multiple years of accounts.

Retirement Lending

Flexible approach to lending into retirement, with the ability to consider pension income, investment returns, and other retirement funding sources in affordability calculations.

Shared Ownership Products

Dedicated shared ownership mortgage products to help buyers purchase a share of their home with a smaller deposit, making homeownership more accessible.

Broker-Friendly Approach

Nottingham Building Society works closely with mortgage brokers, providing direct access to underwriters and fast, transparent communication throughout the application process.

The Process

How it works

Initial Assessment

We review your income, employment status, and property plans to establish whether Nottingham Building Society's products are a good match for your situation.

Product Comparison

We compare Nottingham's mortgage range against the wider market to ensure the product we recommend delivers the best value for your specific needs.

Application Submission

We prepare and submit your application, working with Nottingham's underwriters to present your case clearly and resolve any queries efficiently.

Completion Day

We coordinate with Nottingham, your solicitor, and all parties to bring everything together smoothly on completion day.

Explore Nottingham Building Society mortgages

Get expert advice on Nottingham Building Society's range of mortgage products. Personal service and competitive rates for every borrower.

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FAQs

Frequently asked questions

Can I get a Nottingham Building Society mortgage through Doulton?

Yes. We hold broker agencies with Nottingham Building Society where available and can access their intermediary product range. Where Nottingham Building Society is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Nottingham Building Society via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Nottingham Building Society cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Nottingham Building Society offer?

Nottingham Building Society's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Nottingham Building Society can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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