Buckinghamshire Building Society is a small mutual society based in the village of Chalfont St Giles. Founded in 1907, it offers an extensive range of mortgage products to suit everyone from first-time and new home buyers to experienced portfolio landlords and older borrowers.
Compare Buckinghamshire Building Society’s mortgage rates
Overall representative example If you borrow £178,000 mortgage over 25 years initially at 4.49% fixed for 60 months reverting to 7.99% variable for term. 60 monthly payments of £988.37 and 240 monthly payments of £1306.89. Total amount payable £373,335.80 includes loan amount, interest of £194,956, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.7% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
What types of mortgages can I get with Buckinghamshire Building Society?
This mortgage provides certainty, as the interest remains locked for a set amount of time. After the fixed-rate period ends, you’ll be switched onto the lender’s standard variable rate (SVR).
With this mortgage, your interest rate may shift up and down based on various economic fluctuations.
Discounted rate
With this mortgage type, your interest will remain a specific percentage below the lender’s SVR for a set amount of time. After the discount period ends, you’ll be switched onto the SVR.
A shared ownership mortgage allows you to buy a percentage of the property and pay rent on the remainder. It’s possible to purchase additional percentages of the property as and when you can afford it.
How to apply
Buckinghamshire Building Society’s range of products are only available through independent mortgage advisors.
What information is needed to apply?
You can expect to be asked for personal details and employment information, as well as details about income and outgoings. Documents such as proof of identity , your last P60, your last three months of payslips and bank statements may be required to back up this information. Self-employed applicants will have to provide two years’ worth of accounts.
Eligibility criteria
You must be at least 18 years old to apply. There is no maximum age limit, but pension income isn’t counted in affordability assessments.
You must have been employed for the last three months, or self-employed for at least two years.
Contact information
You can get hold of Buckinghamshire Building Society’s mortgage experts at 01494 879517 or emailing mortgages@bucksbs.co.uk. Alternatively, you can arrange a callback via the lender’s website.
Frequently asked questions
Yes, you can make overpayments of up to 10% each year without incurring an early repayment charge. If there isn’t an early repayment charge, or you’re no longer in your early repayment charge period, then there are no limits for your overpayments.
Yes, the minimum loan amount is £50,000. The maximum loan amount is £500,000, although other restrictions may apply in some cases.
Yes, you can, although bear in mind that Buckinghamshire Building Society considers this to be a new mortgage deal rather than a top-up. You’ll need to prove you can afford this additional amount and provide a reason for the extra borrowing.
In some cases, yes. However this is very dependent on individual circumstances, so the best thing to do in this instance is contact the Buckinghamshire Building Society’s mortgage team.
Yes, you can. For more information about this contact Buckinghamshire Building Society’s mortgage team.
With some mortgages, you’ll receive £500 upon completion. If your financial circumstances change, you can come to an arrangement with Buckinghamshire Building Society. The best course of action is to contact the mortgages team as soon as you’re aware of the difficulties to prevent yourself going into arrears.
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Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife.
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