The foundation of National Counties can be traced to 1896. Its headquarters is at Epsom , Church Street. Today the Society serves over 43,000 customers throughout the UK. It has almost £850 million in assets, and reserves of over £100 million. National Counties Building Society is an independent mutual organisation and is run for the benefit of its customers.

National Counties has the following types of mortgages:

Standard Variable Rate
Fixed
Tracker
Flexible
Residential Investment
Adaptable Lifetime Mortgage

Standard Variable Rate: you will be charged at the Society’s standard variable rate for the entire mortgage term.

Fixed: your mortgage will be set at a fixed rate for an agreed interval. After the fixed rate period is over your mortgage will be set at the Society’s standard variable rate.

An early repayment charge applies

Tracker: your starting rate will be set according to the Bank of England Base Rate for a 5 year period. After the tracker rate period concludes your rate will be set at the Society’s standard variable rate.

An early repayment charge applies

Flexible Mortgage: this is set at discount off the Society’s standard variable rate for a one year period. Then your rate will convert to the Society’s standard variable rate.

An early repayment charge applies
You can make overpayments or underpayments, and even take a payment holiday as long as you have made enough previous overpayments

Residential Investment: you can choose between 3 types of mortgage product:

Variable Base
Fixed Rate
5 Yr BoE rate tracker
After the initial period has finished your mortgage rate will convert to the Society’s residential investment standard variable rate.

National Counties also have the following types of re- mortgages:

Standard Variable Rate
Fixed
Tracker
Flexible
Residential Investment