Penrith Building Society Residential Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| 2-yr fixed 60% LTV | 5.68% | 2 years | £795 | |
| 2-yr fixed 75% LTV | 5.90% | 2 years | £795 | |
| 5-yr fixed 60% LTV | 4.28%Best | 5 years | £795 | |
| 5-yr fixed 75% LTV | 4.53% | 5 years | £795 | |
| 5-yr fixed 80% LTV | 4.76% | 5 years | £795 | |
| Standard Variable Rate | 7.49% | Ongoing | None | - |
Penrith Building Society Buy-to-Let Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| BTL 5-yr fixed 65% LTV | 4.98%Best | 5 years | £995 |
Penrith Building Society Product Transfer Rates
| Product Transfer Option | Rate | Initial Period | Fee | Cashback |
|---|---|---|---|---|
| Penrith Building Society 2-yr fixed PT (same LTV band) | 5.73% | 2 years | £0 | Cashback available |
| Penrith Building Society 5-yr fixed PT (same LTV band) | 4.33% | 5 years | £0 | Cashback available |
| Penrith Building Society PT + borrow more (residential) | 4.40% | 5 years | £595 | Cashback available |
About Penrith Building Society Mortgages
Penrith Building Society is one of England's smallest building societies, based in Cumbria and serving borrowers primarily in the Lake District and surrounding areas. A true community lender, Penrith takes a highly personal approach to mortgage underwriting with a focus on local knowledge.
Penrith Building Society is ideal for borrowers purchasing in rural Cumbria and the Lake District, including farms, smallholdings, and unusual rural properties. Their deep local expertise means they understand the region's property market in a way that larger national lenders simply cannot match.