Stafford Railway Building Society
Stafford Railway Building Society

Stafford Railway Building Society

An Individual Approach to Lending. We have been offering mortgages for over 140 years lending throughout England and Wales.

We operate from a single site in the centre of Stafford, which means there are no call centres.

You will always be able to contact a member of our mortgage team directly and can discuss your quirky cases with an underwriter directly.

Key Features

Proc Fees

Product Gross
All 0.40%
Product Type When does the lender pay PMS? Frequency
All The month following completion. Monthly.

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.  


Post Code Restrictions: Lender-InfoBoxWhite

England and Wales

Register Lender-InfoBoxWhite

Register to place business with Stafford Railway Building Society:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


We specialise in the following areas.

Ex Pat Buy to Lets

  • We lend in a wide range of countries including Australia, Hong Kong and Dubai
  • New build houses and flats up to 70% LTV
  • Holiday lets up to 70%

New Build

  • 90% LTV on all houses and Flats
  • Builder incentives and builder gifted deposits
  • Section 106’s and over 55’s apartments

Complex Income

  • Manual underwriting of every case
  • Retained profits (previous financial year only)
  • Multiple income streams

Self Build (Through Buildstore)

  • 85% LTV for purchase of land and property
  • Renovations and structure conversions
  • Interest only available during the build