Mortgages

Principality Mortgages

Competitive mortgage lending from Wales's largest building society. Strong fixed rates, first-time buyer support, and mutual member benefits for residential borrowers.

Welsh Building Society

Trusted lending from Wales

Principality Building Society has been helping people across Wales and England buy homes since 1860. As the sixth largest building society in the UK, they offer the product range and competitive pricing of a major lender with the personal values and community commitment of a mutual organisation.

Through Doulton Bridging Finance, you can access Principality's full mortgage range with expert broker guidance. Whether you are a first-time buyer, moving home, or looking to remortgage to a better rate, we will help you find the right Principality product and manage your application from start to finish.

1860

Established

Top 10

UK Building Society

95%

Max LTV

Mutual

Ownership

Why Doulton

Benefits of Principality mortgages

Wales's Largest Building Society

Principality is the largest building society in Wales and one of the top ten in the UK, combining regional roots with national lending capability and competitive rates.

Competitive Fixed Rates

Principality consistently delivers competitive fixed rate products across two, three, and five-year terms, often matching or beating the rates offered by major high street banks.

First-Time Buyer Focus

Dedicated products and support for first-time buyers, including higher loan-to-value options and practical guidance through every step of the home buying process.

Flexible Income Assessment

Principality takes a considered approach to income assessment, with the ability to factor in overtime, bonuses, and other regular additional earnings in affordability calculations.

Welsh Property Expertise

Deep understanding of Welsh property markets and values, with local knowledge that gives confidence in lending decisions across both urban and rural locations throughout Wales.

Member Benefits

As a mutual organisation, Principality reinvests profits to benefit members through better rates, improved services, and community investment across Wales.

The Process

How it works

Needs Assessment

We discuss your property goals and financial situation to determine whether Principality's products and criteria offer the right fit for your mortgage needs.

Rate Comparison

We compare Principality's current deals against the wider market to confirm they offer genuinely competitive terms for your deposit size and borrowing requirements.

Application Handling

We prepare and submit your application to Principality, ensuring all documentation meets their requirements and communicating with their team throughout.

Completion

We manage the final stages through to completion, coordinating with Principality and your solicitor to ensure a smooth and timely close.

Discuss a Principality mortgage

Get expert advice on Principality Building Society's mortgage range. Competitive rates and mutual values for every type of borrower.

Get a Quote Book a Consultation

FAQs

Frequently asked questions

Can I get a Principality mortgage through Doulton?

Yes. We hold broker agencies with Principality where available and can access their intermediary product range. Where Principality 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 Principality 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 Principality cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Principality offer?

Principality'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 Principality 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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