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Monmouthshire Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.84 (249 reviews)

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4.77

Based on 249 reviews, last reviewed 30th Sep 2025

36% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

92%

3 star

2 star

Latest highest rating:

5

Quick and easy. Quick and easy. Michelle Groves was knowledgeable and easy to talk too. He understood our needs and was very helpful Reviewed on: 30th September 2025

Latest lowest rating:

1

The Monmouthshire Building Society have a 'floor' ra... The Monmouthshire Building Society have a 'floor' rate on their variable rate products that, at the moment, doesn't go beneath 3.5 %. However they hav... Read more Reviewed on: 24th August 2025

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About this product

Monmouthshire Building Society offer a range of mortgages to cover different borrowing needs.

Whether you’re looking to buy your first home, move somewhere bigger, or simply get a better deal, you can book an online appointment with a Monmouthshire mortgage advisor.

Monmouthshire Building Society mortgage reviews help you find out what it’s really like to be a customer. If you’ve used Monmouthshire Building Society before, you can also leave a review and share your experience.

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Monmouthshire Building Society Mortgages reviews (249)

The Truth about the Monmouthshire Building Society

Once upon a time building societies existed to help people in their communities. In the case of the Monmouthshire Building Society this is no longer the case. We have suffered extraordinarily difficult circumstances and they have and still are declining to offer us any meaningful help. Do not trust them. Do not believe their advertisements 'We are a mutual building society run for the benefit of our members'. This could not be further from the truth. Despite many requests they will not even meet us in person, which is a strange way to 'benefit' us. They are not reducing their interest rates as the Bank of England have done because in their words “As a Building Society we can increase or decrease our SVR at any time, and we do not need to follow the movement in the Bank of England Base Rate. This basically means that they can and are quite prepared to ruin their members. They have behaved so badly towards us that it beggars belief. Their complaints procedure is utterly pointless. Despite stating that they agreed with one of our complaints, they still were 'unable to uphold' it for an utterly nonsensical reason which has no correlation to the complaint. The complaints procedure is a box ticking exercise designed solely for them to appear to be fulfilling their obligations. Above all else, remember that the Monmouthshire Building Society are money lenders who, just like all other money lenders, are in it for themselves and themselves alone. They are causing us catastrophic financial ruin which was completely avoidable and the bottom line is they do not care. Even if you are critically vulnerable, they do not care. They should be utterly ashamed of themselves. Reviewed on: 6th January 2025

Reply from Monmouthshire Building Society We are sorry to hear that you are unhappy with the service or support that you have received from the Society, as we strive to do all that we reasonably can to support members facing financial difficulties or uncertainty. If you remain dissatisfied following the outcome of a complaint, you have the right to refer your complaint to the FOS https://www.financial-ombudsman.org.uk/. Response date: 8th January 2025

Hassle free telephone support

Had several telephone conversations with Joshua Davies regarding possible mortgage Rate Switch options. He clearly explained the alternatives and was very helpful and understanding about our circumstances. Consequently, we completed a swap promptly and with very little effort or hassle on our part. Reviewed on: 5th January 2025

Reply from Monmouthshire Building Society Thank you for taking the time to leave a review following your rate switch. We are so pleased that you had a good experience, your comments will be shared with Joshua. Response date: 6th January 2025

In branch service review

Friendly and helpful staff at the Caldicot branch. Reviewed on: 4th January 2025

Reply from Monmouthshire Building Society Thank you for taking the time to leave a review for the Society. Your comments will be passed on to the Caldicot branch. Response date: 19th February 2025

Excellent service, good rates and very pleased

Excellent service, good rates and very pleased Reviewed on: 27th December 2024

Reply from Monmouthshire Building Society Thank you for taking the time to leave a review for the Society, we are so pleased that you had an excellent experience. Your comments will be shared with the Direct Sales team. Response date: 27th December 2024

Helpful kind understanding professional efficient

Helpful kind understanding professional efficient Reviewed on: 20th December 2024

Reply from Monmouthshire Building Society Thank you for taking the time to leave a review for the mortgage team. Response date: 20th December 2024

Mortgage Product Review

Michelle was thorough and diligent in reviewing my personal financial situation. We then discussed my goals and which products would best meet those objectives. At every stage Michelle was very clear on the new product and its features and always checked I was comfortable proceeding. She was patient, professional and at all times clear. Her advice and support gave me peace of mind Reviewed on: 12th December 2024

Reply from Monmouthshire Building Society Thank you for taking the time to leave a review following your mortgage appointment. We are so pleased that you had a good experience. Your review will be shared with Michelle. Response date: 16th December 2024

Mortgage advice appointment with Leon

Mortgage advice appointment with Leon - Leon was extremely well prepared for our meeting, having confirmed prior what would be required. He was thorough and obviously knowledgeable. He checked in prior to our appointment time to ensure the time was still suitable and followed up with an email after the appointment thanking me for my time. So far the remortgage experience with the Society has been excellent Reviewed on: 6th December 2024

Reply from Monmouthshire Building Society Thank you for leaving a review, we are so pleased to hear that you have had a great experience with the Society. Your comments will be passed on to Leon. Response date: 6th December 2024

Anita was great, friendly and informative

Anita was great, friendly and informative Reviewed on: 28th November 2024

Excellent Customer Service;

Olly Taki - Excellent Customer Service; Olly has helped from the moment i got 'end of product' notice. Helped me to get the best deal available in an ever changing and unpredictable market Reviewed on: 28th November 2024

Reply from Monmouthshire Building Society Thank you for leaving a review. We are so pleased that you have received excellent customer service. Your comments will be shared with Olly. Response date: 28th November 2024

Ridiculous interest rates

Ridiculous interest rates, they set their own SVR so high it's eye watering. I was pushed into a deal that's crippling me as they knew I had no other choice. They meant to charge me thousands to move to another deal when they know I can't afford this one anymore. inhave multiple mortgages with multiple companies and not one of them leech from their customers like this. It's disgusting how high they set their rates! Reviewed on: 22nd November 2024

Reply from Monmouthshire Building Society Thank you so much for your review, we’re very sorry that you’ve had an experience that you’re not happy with and we’d be happy to speak directly about your case. As a society we’ve not passed on all of the bank of England rate increases in 2023/2024 to our SVR rate, and we asses the rates against other banks and building societies regularly so we’re not out of line. Standard Variable Rate is for members who have finished their fixed or discount product period and have not moved to another product term. We offer a full range of products for members at the end of their product term which are available on our website and on communications you will have received as you neared the end of your term. We also actively contact our members who are on SVR to encourage them to look at other options which may be more suitable for them. Our fixed, variable and discount rates are competitively priced in the market. Any member who is on SVR can find another lender with no early repayment charge so we would encourage you to assess your options. If you would like to discuss your review further, please contact one of our Direct Sales Team Leader’s on 01633 982178 or 01633 844320. Response date: 27th November 2024

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