Mortgages

happy couple moving furniture into new house together

The mortgaged property (which may be your home) may be repossessed if you do not keep up repayments on your mortgage

Make a mortgage payment
Find out how to make payments online, over the phone or in branch.
Mortgage payment holidays
How they can help and how to apply.

We've been helping people buy the homes they want for over 140 years. With a wide range of deals to choose from, why not see what we can do for you?

Already got a mortgage with us?
If your existing deal is coming to an end, or you're on our Standard Variable Rate, you may want to think about switching to a new deal.
See if you could save

New to Leeds Building Society?

Remortgage

If you've currently got your mortgage with a different lender, find out if you could save money by switching to us.
Remortgage

First Time Buyer

In 2019, we helped more than 10,000 first time buyers have the home they want*. Let us help you take the first step.
First Time Buyer
Need to get things moving with an Approval in Principle?
Find out if we may be able to lend to you by applying for an Approval in Principle.
Apply for an Approval in Principle
 

Our mortgage range

  • Fixed Rate mortgages

    Your monthly payments will stay the same during the fixed term period, whether interest rates go up or down.

    Fixed Rate mortgages

  • Buy to Let mortgages

    We have a wide range of Buy to Let mortgages to choose from. They’re designed for people buying or remortgaging a property to rent out.

    Buy to Let mortgages

  • Shared Ownership mortgages

    Depending on where you buy, a Shared Ownership mortgage could significantly reduce the size of your deposit - an option for getting your foot on the property ladder.

    Shared Ownership mortgages

  • Interest Only mortgages

    You’d be making monthly payments towards the interest on the amount you’ve borrowed. Then at the end of your mortgage term, you’ll repay the full amount borrowed. You’d be expected to have a credible repayment strategy in place, showing how you’d repay the loan at this point.

    Interest Only mortgages

  • Retirement Interest Only (RIO) mortgages

    With a RIO mortgage, your monthly repayments only cover the interest charged on your loan. Then the full balance must be paid back following what’s referred to as a ‘life event’.


    At that point, the sale of the home will be used as the repayment strategy. So it’s worth considering that, if the value of your home is less than the outstanding loan, the difference will still need to be repaid using other means. You can find out more about RIO by clicking the button below.

    RIO mortgages

  • Discounted Rate mortgages

    To help keep costs down when you’re setting up your new home, your variable interest rate is reduced for a set time. It then increases for the remainder of the mortgage period.

    Discounted Rate mortgages

  • Variable Rate mortgages

    Unlike fixed rates, the interest rate can go up as well as down. These rates usually apply once your mortgage deal comes to an end, like when a fixed rate term finishes. However some people might prefer these mortgages, because they usually come with no early repayment charges.

    Variable Rate mortgages

  • Holiday Let mortgages

    If you’re buying a holiday home to let out to others, or for yourself, take a look at our specially designed Holiday Let mortgages. For properties bought in England, Scotland or Wales.

    Holiday Let mortgages

  • Right to Buy mortgages

    We’ve got a range of mortgages supporting the government’s Right to Buy scheme. This scheme is designed to help you buy the home you currently rent at a discount price.

    Right to Buy mortgages

  • Second Home mortgages

    A range specifically for people buying a second residential home. Whether it’s because of your work circumstances, or for your family, we may be able to help.

    Second Home mortgages