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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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In this article
West Brom Building Society is an institution with more than 175 years of history and 34 branch locations across the West Midlands.
Here, you can find out what West Brom mortgage customers thought about its service, what our expert analysis uncovered about its range of deals, and the best West Brom mortgage rates on the market right now.
This article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Halifax mortgage review
Real West Brom Building Society customer views
We've asked 44 West Brom Building Society mortgage customers about their experiences of the lender.
Expert mortgage deal analysis
We've analysed West Brom Building Society's mortgages to work out if it's a lender that offers competitive deals.
West Brom Building Society performed well in our customer satisfaction survey, placing joint-6th. It also scored four stars for keeping customers well informed, the clarity of its mortgage statements and overall customer service. In our mortgage deals analysis, it was the joint-19th cheapest lender overall (out of 69).
74%
out of 21 mortgage lenders ranked on customer score (joint-6th)
To see how West Brom Building Society compares to other mortgage providers, head to our guide to the best mortgage lenders.
Anna McClean, market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. West Brom Building Society wasn't that competitive overall, but it stood out on rates for first-time buyers.'
Here's how West Brom Building Society did in our analysis:
Find out more: check which lenders came ahead of West Brom Building Society in our cheapest lender interest rate analysis.
We asked West Brom Building Society mortgage customers about their experience with the lender.
Here's how customers rated West Brom Building Society in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | n/a |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. 'n/a' means we didn't have enough responses to provide a star rating. West Brom Building Society had a sample size of 44.
I like the fact I can overpay and I'm always well informed about my mortgage
We also collected feedback from West Brom Building Society mortgage customers.
This was generally positive. A dominant theme in the comments was that customers haven't had any issues or problems with their mortgage.
Respondents praised the Building Society's customer service, describing it as 'helpful' and 'polite'.
When we checked in September 2026, there were 43 mortgages available from West Brom Building Society. Most of these were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
West Brom mortgages had initial periods of two, three, or five years.
A smaller number of mortgages offered by West Brom were discounted variable rate deals, with initial terms lasting two years before reverting to its standard variable rate.
West Brom Building Society has the following loan-to-income multiples:
Currently, West Brom Building Society doesn't offer green mortgage products.
All of the building society's mortgages have a maximum term length of 40 years.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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