'Find your Perfect Mortgage' Guide
Knowing which kind of mortgage suits you and your lifestyle can be confusing so we have put together some information to help you along with that decision.
Fixed Rate Mortgages
We can fix you up with a great rate if you wish to keep your payments the same for a set period of time. After which our rate will revert to the standard variable rate
- Enables you to budget with confidence - your monthly payments will be the same throughout the duration of the fixed rate period.
- During the set period you will have protection from interest rate rises.
- Short and long term fixed rate options available.
- Our range of flexible features apply. See individual products for more information.
- Repayment and Interest Only options available.
Discounted Rate Mortgages
You can count on a us for a great rate if you wish to keep your initial monthly payments to a minimum. After the agreed period the rate will increase to the standard variable rate.
- Ideal if you don't mind your payments varying as our interest rate changes.
- Our range of flexible features apply. See individual products for more information.
- Repayment and Interest Only options available.
Tracker Rate Mortgages
Track down your perfect mortgage if you wish to keep your monthly payments in line with interest rate changes. After the set period the rate will revert to the standard variable rate
- For the set period your repayments will always follow the Bank of England base rate so your repayments will rise and fall in accordance with external market rates.
- You will need to bear in mind that rates can go up as well as down.
- Our range of flexible features apply. See individual products for more information.
- Repayment and Interest Only options available.
Buy To Let Mortgages
Mortgages for property investors and landlords who would like to rent out a property in return for a monthly income.
- Fixed and variable rate options available.
- Our range of flexible features apply. See individual products for more information.
- Repayment and interest Only options available.
Self Certification Mortgages
Being self employed, on a commission based income, undertaking seasonal work or having an irregular income, can make it difficult to prove income. But we can still help you find a mortgage.
- Allows you to declare how much money you earn from employment without having to give proof of your earnings.
- Fixed and variable rate options available.
- Our range of flexible features apply. See individual products for more information.
- Repayment and Interest Only options available.
Shared Ownership Mortgages
If you're a First Time Buyer and looking to get your foot on the property ladder, Shared Ownership may be the answer.
- Exclusively for properties in the North West of England
- You are able to buy different share amounts in the property and increase these as time goes by.
- Our range of flexible features apply. See individual products for more information.
- Repayment and Interest Only options available.
*A selection of Cheshire branded products, some of which are provided by third parties, featured in National Press Best Buy tables from 01 January 2007 until 21 January 2008.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Cheshire Building Society lends on properties based within England, Wales, Mainland Scotland and the Isle of Wight.
