Monmouthshire Building Society Launches New Residential Rate Switch Mortgages – October 2025

New Mortgage Rate Switches Now Available from Monmouthshire Building Society

Monmouthshire Building Society (MBS), a prominent UK mutual, has announced the launch of a refreshed range of regulated residential mortgage rate switch products available from 1st October 2025. These new offerings focus on competitive fixed and discount rates for existing borrowers seeking to switch to a new deal with the Monmouthshire rate switch in 2025, with options at both 60% and 75% loan-to-value (LTV).

Summary of New Mortgage Rate Switch Products

If your current Monmouthshire Building Society mortgage rate is coming to an end, these new rate switch deals present an opportunity to secure a better rate or fix your monthly repayments. With the Monmouthshire rate switch 2025, here’s an overview of the headline products:

• 2-Year Discount Rate (60% LTV): 4.10% interest rate, £0 fee (Product code: D710)
• 2-Year Fixed Rate (60% LTV):
  • 3.75% interest rate, £499 fee (358F)
  • 4.20% interest rate, £0 fee (359F)
• 2-Year Fixed Rate (75% LTV): 4.25% interest rate, £0 fee (360F)
• 3-Year Fixed Rate (60% LTV):
  • 3.85% interest rate, £499 fee (361F)
  • 4.10% interest rate, £0 fee (362F)
• 5-Year Fixed Rate (60% LTV):
  • 3.85% interest rate, £499 fee (363F)
  • 4.10% interest rate, £0 fee (364F)
• 5-Year Fixed Rate (75% LTV):
  • 3.90% interest rate, £499 fee (365F)
  • 4.15% interest rate, £0 fee (366F)

Full product terms apply. All new rates become available at 9am, Wednesday 1st October 2025, as part of the Monmouthshire rate switch 2025 strategy.

Borrower Criteria and Who Benefits?

These new offers from Monmouthshire Building Society are specifically for existing residential customers looking to switch their product at the end of their current deal, part of the Monmouthshire rate switch 2025. This is often referred to as a “rate switch” or “product transfer”.

• Ideal for: Homeowners with Monmouthshire mortgages approaching the end of a fixed or discount period.
• 60% LTV deals: Suit borrowers with significant equity in their property.
• 75% LTV options: Useful for those with moderate equity, providing flexibility without high fees.

No new lending (further borrowing or raising additional finance) is included in these products. They are designed to help existing borrowers reduce monthly costs, gain rate certainty, or avoid reversion to a potentially higher standard variable rate (SVR).

Fee-Free Choices and Competitive Pricing

Monmouthshire’s new selection includes several strong fee-free rate switch options at both the 2-year and 5-year fixed terms, ideal for borrowers prioritising minimal upfront costs as part of the Monmouthshire rate switch 2025. Others come with a modest product fee, which may appeal to those seeking a slightly lower interest rate to reduce long-term interest charges. This flexible approach allows customers to choose the right balance for their unique needs.

Key Advantages of Monmouthshire Building Society Switch Deals

• Dedicated to Existing Customers: Specialist rates for loyal MBS borrowers.
• Multiple LTV Bands: Options for homeowners with varying levels of equity.
• Flexibility: Both fixed and discount rates available, including fee-free choices for those wanting to avoid extra charges.
• Transparent Fees: No hidden charges; full details are published in the official tariff of charges.
• Strong Regional Lending: Focused on England and Wales, offering personable local service.

Why Consider a Rate Switch with MBS?

Switching your existing Monmouthshire Building Society mortgage to a new rate can help you:

• Lock in a competitive fixed rate and gain payment certainty for up to five years
• Secure one of the best value fee-free rates available to you as an MBS borrower
• Stay with a trusted UK lender that understands your local market

Get Expert Mortgage Advice – Next Steps

If your Monmouthshire mortgage is coming up for renewal, or you’re unsure which rate switch product is right for your circumstances, speak to our expert advisers today. We compare the latest remortgage rates UK, fixed-rate mortgages, and rate switch deals from all top UK mortgage lenders to help you make the best decision for your home and finances.

Contact our team for free, impartial support tailored to your situation.

Frequently Asked Questions

• Who is eligible for these new Monmouthshire Building Society rate switch products?Existing Monmouthshire residential mortgage customers with deals ending soon or who want to avoid moving onto the standard variable rate (SVR) may be eligible for these switch rates, subject to LTV limits.
• How do these new rates affect my monthly repayments?Moving to a lower fixed or discounted rate could reduce your monthly payment compared to SVR or previous deals as part of the Monmouthshire rate switch 2025. Our team can help you calculate the exact savings.
• Are there options for no upfront product fees?Yes. Several fee-free options at both 2-year and 5-year fixed terms are available, reducing or eliminating upfront costs to switch products.
• Can I raise additional funds with these products?No, these rate switches do not include further borrowing or debt consolidation. They are for product transfer only.
• How do I apply for a rate switch or check eligibility?Contact our mortgage advice team or Monmouthshire’s intermediary desk for a personalised quote and application guidance based on your circumstances.