Mortgage Rates

Principality Building Society Mortgage Rates - October 2026

Compare Principality 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 3.95%

Best 2-yr fixed from 5.25%

SVR 7.64%

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Principality Building Society mortgage

DBF Product Transfer System

If you decide to stay with Principality 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 Principality 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

Principality 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	5.25%	2 years	£995
2-yr fixed 75% LTV	5.43%	2 years	£995
2-yr fixed 85% LTV	5.65%	2 years	£995
5-yr fixed 60% LTV	3.95%Best	5 years	£995
5-yr fixed 75% LTV	4.15%	5 years	£995
5-yr fixed 85% LTV	4.37%	5 years	£995
5-yr fixed 90% LTV	4.57%	5 years	£995
2-yr tracker 65% LTV	Base+1.00%	2 years	£595
Standard Variable Rate	7.64%	Ongoing	None	-

Principality 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	5.83%	2 years	£1,299
BTL 5-yr fixed 65% LTV	4.57%Best	5 years	£1,299
BTL 5-yr fixed 75% LTV	4.83%	5 years	£1,299

Principality 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
Principality Building Society 2-yr fixed PT (same LTV band)	5.30%	2 years	£0	Cashback available
Principality Building Society 5-yr fixed PT (same LTV band)	4.00%	5 years	£0	Cashback available
Principality Building Society PT + borrow more (residential)	4.07%	5 years	£595	Cashback available

About Principality Building Society Mortgages

Principality Building Society is Wales's largest building society and one of the UK's top 10 building societies overall. Based in Cardiff, Principality is a community-focused mutual lender with a strong commitment to Welsh homeowners and a comprehensive range of mortgage products.

Principality Building Society suits borrowers across Wales and the border counties looking for a mortgage from an organisation rooted in their community. Their products cover the full range from first-time buyers to portfolio landlords, and they have excellent knowledge of the Welsh property market including rural and coastal properties.

Get a quote 0204 6211776

Same working day

Get your Principality Building Society rate comparison

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

0204 6211776

Whole of market · 130+ lenders · FCA 814533 · Same working day response

FAQs

Frequently asked questions

What are Principality Building Society’s current mortgage rates?

Principality Building Society’s current rates start from 3.95% on a 5-year fixed at 60% LTV for residential borrowers. Rates rise to 5.15% 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 Principality Building Society’s Standard Variable Rate (SVR)?

Principality Building Society’s SVR is currently 7.64%. 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 Principality Building Society product transfer through DBF?

Yes. Eligible Principality Building Society mortgage holders renewing through DBF can receive cashback on their product transfer. This is not available if you apply direct to Principality 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 Principality Building Society right for me, or should I switch lender?

That depends entirely on your circumstances. Principality 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 Principality Building Society or switching to a competitor.

Principality Building Society mortgages Principality Building Society product transfer All lender mortgage rates Remortgage What is a product transfer?