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Nottingham Building Society – Inclusive Mortgage Solutions for Modern Borrowers

Nottingham Building Society is a forward-thinking mutual lender offering flexible mortgage solutions to accommodate a wide range of borrowers. Whether you’re a first-time buyer, a foreign national, a landlord, or looking for retirement mortgage options, Nottingham provides personalised mortgage products tailored to your needs.

At Mortgage Knight, we collaborate with Nottingham Building Society to assist clients in securing mortgages that align with their unique financial situations.

Key Benefits of Nottingham Building Society Mortgages

Flexible Income Assessment

Accepts 100% of secondary income, child maintenance, and contractual allowances in affordability calculations. Reduced pension contribution assumption to 5%, enhancing affordability.

Flexible Income Assessment

Accepts 100% of secondary income, child maintenance, and contractual allowances in affordability calculations. Reduced pension contribution assumption to 5%, enhancing affordability.

Support for Foreign Nationals

Offers mortgages to applicants with various visa types, including Skilled Worker, Health and Care, Global Talent, and Pre-Settlement visas. Allows use of new build incentives up to 5% towards deposit for foreign national applicants.

Support for Foreign Nationals

Offers mortgages to applicants with various visa types, including Skilled Worker, Health and Care, Global Talent, and Pre-Settlement visas. Allows use of new build incentives up to 5% towards deposit for foreign national applicants.

Buy-to-Let Mortgage Options

Provides Buy-to-Let mortgages up to 80% LTV for individual and limited company landlords. No requirement for business plans; accepts bounce-back loans from SPVs.

Buy-to-Let Mortgage Options

Provides Buy-to-Let mortgages up to 80% LTV for individual and limited company landlords. No requirement for business plans; accepts bounce-back loans from SPVs.

Retirement Interest-Only (RIO) Mortgages

Available to homeowners over 55, allowing borrowing up to 40% LTV. Offers fixed rates between 2-7 years and a 2-year discounted rate option.

Retirement Interest-Only (RIO) Mortgages

Available to homeowners over 55, allowing borrowing up to 40% LTV. Offers fixed rates between 2-7 years and a 2-year discounted rate option.

Enhanced Affordability Measures

Reduced stress rates for residential applications to as low as 6.20% and for Buy-to-Let to 5.70%, improving borrowing potential.

Enhanced Affordability Measures

Reduced stress rates for residential applications to as low as 6.20% and for Buy-to-Let to 5.70%, improving borrowing potential.

Who Nottingham Building Society Is Best For

  • First-time buyers seeking flexible income assessments.
  • Foreign nationals with various visa types looking to purchase property in the UK.
  • Landlords interested in Buy-to-Let mortgages with simplified criteria.
  • Retirees exploring Retirement Interest-Only mortgage options.
  • Borrowers requiring inclusive and adaptable lending solutions.

Types of Mortgages Offered

  • Residential purchase and remortgage.
  • Buy-to-Let for individuals and limited companies.
  • Retirement Interest-Only (RIO) mortgages.
  • Mortgages for foreign nationals and returning expats.
  • Product transfers for existing customers.

Explore Inclusive Mortgage Solutions with Nottingham Building Society

Whether you’re a first-time buyer, a foreign national, a landlord, or planning for retirement, Nottingham Building Society offers mortgage products designed to meet your unique needs.

Contact Mortgage Knight today, and we’ll assist you in navigating the mortgage options available through Nottingham Building Society, ensuring a solution tailored to your circumstances.

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Faq

Frequently Asked Questions

A: Yes. They accept 100% of secondary income, including side jobs and child maintenance, in affordability assessments.

A: Absolutely. They offer mortgages to applicants with various visa types, such as Skilled Worker, Health and Care, Global Talent, and Pre-Settlement visas.

A: Nottingham Building Society provides Buy-to-Let mortgages up to 80% LTV for both individual and limited company landlords, with flexible criteria and no requirement for business plans

A: Yes. They offer Retirement Interest-Only (RIO) mortgages for homeowners over 55, allowing borrowing up to 40% LTV with various fixed and discounted rate options. 

A: They have reduced stress rates for residential applications to as low as 6.20% and for Buy-to-Let to 5.70%, enhancing borrowing potential for a wider range of applicants. 

Types of Mortgages Accord Offers