Bradford and Bingley Building Society

Compare Bradford and Bingley mortgages

Bradford and Bingley is a UK bank formed when Bradford and Bingley Building Society floated on the London Stock Exchange. It specialised in buy-to-let mortgages, From January 2010 Bradford & Bingley mortgages have been re-branded as Santander mortgages.


Previous a Bradford & Bingley savings customers now have Santander accounts following the acquisition.


 Bradford and Bingley, as they were previously known, are no longer accepting new business, but if you are looking to take out a mortgage you can check out the latest mortgage rates from Santander and other providers using the table below.

Latest Mortgage Deals Selection
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*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).


The above mortgage products are a selection of top deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

Whether you are interested in buying your first home, second home or purchasing a buy to let property finding the best deal you can is most likely your priority. Once you sign for one you are most likely going to be locked into it for a number of years. Because of this it is wise to do your research and shop around at the claims of different providers before you commit to one, using the table above you can see what some of your different options may be for a mortgage.


To find out how much you may be able to borrow and what your repayments would be many lenders offer Mortgage Calculators. You need to remember however that it is only to give you an idea. The actual amount you can borrow will depend on other factors such as your credit history and current financial circumstances.


Different types of mortgage repayments


When considering any type of mortgage, aside from repayment or interest only, you need to think about what payment method would be best for you. Some of the different options include:


  • Fixed Rate – With a Fixed Rate mortgage your interest payments are the same throughout the course of the deal, so you know how much you will be paying throughout it.


  • Tracker – Tracker Mortgages are linked to the Bank of England’s base interest rate.  This means that if the Bank of England either raises or lowers its base rate the interest you pay on your mortgage will also change to reflect this.


  • Discount – Discount mortgages are similar to trackers but instead of your interest rate being reflective of the Base Rate it is affected by your lender’s specific Standard Variable Rate. The SVR is the rate many mortgages revert to once you move out of your introductory deal.


  • Offset – This type of mortgage works by tying your savings to your mortgage. This usually means that you stop earning any interest on your savings instead the interest is used to offset your mortgage interest repayments. Lenders will allow you to either pay less each month, or to treat the difference as an overpayment, thus paying off your loan earlier.


Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. If you are at all unsure of the suitability of a particular product for your circumstances you should seek independent financial advice.