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Stafford Railway Building Society.

How to register with this lender as a new user

Visit and complete the registration form titled ‘Intermediaries registration form and T&C’ please email your completed form to

How to add Mortgage Club as a payment route with this lender

When registering with this lender, please inform them that Legal & General Mortgage Club will be one of your nominated routes for payment.

You will need to tick the box for “Legal & General Mortgage Club” as your assigned mortgage club on the application form, which can be downloaded from their website.

How to contact this lender

Mortgage Department

Phone: (01785) 223212 / Email:

Emma Parker                                      
Business Development Manager

Phone – 07506 906525 / Email:       


Why choose Stafford Railway

We’re proud to say we have been offering mortgages since 1877. We are strongly committed to the principles of mutuality, and are firm believers in ‘customer-first-and foremost’.

What makes us different?

  • Individual Manual Underwriting
    All our cases are looked at on an individual basis meaning that we are not a “computer says no” Society.

  • No Fees
    None of our mortgage products have set-up fees. The only fee your clients will pay is a valuation fee on application and a £25 TT fee on completion which is deducted from the mortgage advance.  

  • 24 Hour Agreement In Principle
    You will get an agreement in principle within 24hours of us receiving your case.

  • Personal Service
    We are a small team so you will always be able to speak to someone who understands your case.

  • No Cross Selling
    We do not offer any insurance options for our members allowing customers to take out cover with whoever they choose.
  • No Credit Scoring
    We credit check rather than credit score.

What does Stafford Railway provide?
Visit our intermediary website for information on the range of mortgage products we offer including:

  • Lending into retirement
    Mortgage to be finished by the oldest applicant’s 85th birthday
    Available on all residential and BTL products
    Earned income used up to age of 70 (job dependent)
    Affordability is run on current circumstances at time of application
    When mortgage goes beyond the age of 70 or from the stated retirement age the affordability takes into account earnings post-retirement
  • Residential mortgages
    Low deposit: 10%
    New build houses: up to 90% LTV
    New build flats: up to 90% LTV
    Remortgage: up to 90% LTV
    No arrangement fees
    Day 1 remortgage
    Gifted deposits from non-family members accepted
    Interest only: subject to criteria
    Guarantor mortgages: up to 90% LTV (not restricted to family)
  • Buy to Let mortgages - No Consumer Buy to Let
    Max LTV: 70%
    Minimum income can be shared between joint borrowers
    Day 1 remortgage
    Ex pats: see lending criteria and restrictions apply
    Holiday lets: 50% LTV
    HMO’s: 50% LTV
    Portfolio: no limit on number of properties but max value limits apply.
  • Self Employed
    Minimum of 2 years accounts with a predicted for the third year
    Limited Companies: dividends and salary used
    Sole Trader and Partnerships: net profit used
    If income has increased year on year we will use the latest figures, if income has fluctuated we will use an average of all three years
    A change of business entity, (e.g. a sole trader becomes a ltd company) above criteria apply


How to submit an application

  • By Email
    We can start work on the case by email the original paperwork will need to be posted to the Society

  • By Post
    Mortgage Department, Stafford Railway Building Society, 4 Market Square, Stafford, ST16 2JH

Visit our website where you will find affordability calculators, lending criteria, application submission checklists and application forms all available to download.

 If you need any help during the process then please contact us on 01785 223212

Fee received from
lender (Gross fee)
We'll pay you
(Net fee)
Residential 0.40% 0.37%
Buy to Let 0.40% 0.37%

Need help?

Call our Mortgage Support Services team on 
01226 230 504

Monday to Friday, 9am to 5.30pm. We may record and monitor calls.

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