Fees

• There is no application fee.
• Product fee £999. This may be added to the loan subject to the maximum LTV.
• Valuation fees are payable on a set scale as detailed in the separate Fees Guide.
• Solicitors fees are not based on a set scale and solicitors must be approved by Buckinghamshire Building Society.
• Proc fees are 0.38% up to a maximum of £4,000.

Other charges may be made in respect of mortgage services. See our Fees Guide for details.

Acceptable Credit Criteria

This product accepts our standard credit criteria click here for details

Early Repayment Charge (ERC)

Early Repayment Charges as detailed below are payable on any lump sum or full redemption repaid over 10% of the capital balance.

• 12 months - 1.5%
• 24 months - 1%
• 36 months - 0.5%

Overpayments

During the early repayment charge period lump sum overpayments up to 10% of the capital balance per annum may be made without attracting an early repayment charge. Should the total of lump sum overpayments exceed 10% within this period, the excess will attract an early repayment charge.

Once the early repayment charge period has ended overpayments can be made at any time.

If an overpayment of £500 or more is made, we will recalculate the monthly payment the following month.

Repayment

This mortgage is available on a capital and interest repayment basis or up to 60% LTV on interest only with a suitable repayment vehicle. Payments must be made monthly by direct debit. 

Age Limits

The minimum age is 25 for all applicants. There is no maximum age. Cases are considered on individual circumstances.

Loan Size

Minimum loan size £25,000 
Maximum loan size £1,000,000 up to 75% loan to value for repayment 

Mortgage Term

The maximum mortgage term is 40 years dependent on individual circumstances.

Portability

This product is portable, meaning that if the applicant moves home they can take it with them, subject to our lending criteria at the time.

Interest

Interest is calculated daily on the balance outstanding and added to the account the following month.

Fees

• There is no application fee.
• Product fee £999. This may be added to the loan subject to the maximum LTV.
• Valuation fees are payable on a set scale as detailed in the separate Fees Guide.
• Solicitors fees are not based on a set scale and solicitors must be approved by Buckinghamshire Building Society.
• Proc fees are 0.38% up to a maximum of £4,000.

Other charges may be made in respect of mortgage services. See our Fees Guide for details.

Acceptable Credit Criteria

This product accepts our standard credit criteria click here for details

Early Repayment Charge (ERC)

Early Repayment Charges as detailed below are payable on any lump sum or full redemption repaid over 10% of the capital balance.

• 12 months - 1.5% 
• 24 months - 1%
• 36 months - 0.5%

Overpayments

During the early repayment charge period lump sum overpayments up to 10% of the capital balance per annum may be made without attracting an early repayment charge. Should the total of lump sum overpayments exceed 10% within this period, the excess will attract an early repayment charge.

Once the early repayment charge period has ended overpayments can be made at any time.

If an overpayment of £500 or more is made, we will recalculate the monthly payment the following month.

Repayment

This mortgage is available on a capital and interest repayment basis or up to 60% LTV on interest only with a suitable repayment vehicle. Payments must be made monthly by direct debit. 

Age Limits

The minimum age is 25 for all applicants. There is no maximum age. Cases are considered on individual circumstances.

Loan Size

Minimum loan size £25,000 
Maximum loan size £1,000,000 up to 75% loan to value for repayment.

Mortgage Term

The maximum mortgage term is 40 years dependent on individual circumstances.

Portability

This product is portable, meaning that if the applicant moves home they can take it with them, subject to our lending criteria at the time.

Interest

Interest is calculated daily on the balanceoutstanding and added to the account the following month.

Fees

• There is no application fee.
• Product fee £999. This may be added to the loan subject to the maximum LTV.
• Valuation fees are payable on a set scale as detailed in the separate Fees Guide.
• Solicitors fees are not based on a set scale and solicitors must be approved by Buckinghamshire Building Society.
• Proc fees are 0.38% up to a maximum of £4,000.

Other charges may be made in respect of mortgage services. See our Fees Guide for details.

Acceptable Credit Criteria

This product accepts our standard credit criteria click here for details

Early Repayment Charge (ERC)

No Early Repayment Charges apply.

Overpayments

During the early repayment charge period lump sum overpayments up to 10% of the capital balance per annum may be made without attracting an early repayment charge. Should the total of lump sum overpayments exceed 10% within this period, the excess will attract an early repayment charge.

Once the early repayment charge period has ended overpayments can be made at any time.

If an overpayment of £500 or more is made, we will recalculate the monthly payment the following month.

Repayment

This mortgage is available on a capital and interest repayment basis or on interest only with a suitable repayment vehicle. Payments must be made monthly by direct debit. 

Age Limits

The minimum age is 55 for all applicants. There is no maximum age. Cases are considered on individual circumstances.

Loan Size

Minimum loan size £25,000 
Maximum loan size £750,000 up to 60% loan to value

Mortgage Term

No maximum term applies.

Portability

This product is portable, meaning that if the applicant moves home they can take it with them, subject to our lending criteria at the time.

Interest

Interest is calculated daily on the balance outstanding and added to the account the following month.

Fees

• There is no application fee.
• Product fee £999. This may be added to the loan subject to the maximum LTV.
• Valuation fees are payable on a set scale as detailed in the separate Fees Guide.
• Solicitors fees are not based on a set scale and solicitors must be approved by Buckinghamshire Building Society.
• Proc fees are 0.38% up to a maximum of £4,000.

Other charges may be made in respect of mortgage services. See our Fees Guide for details.

Acceptable Credit Criteria

This product accepts our standard credit criteria click here for details

Early Repayment Charge (ERC)

Early Repayment Charges as detailed below are payable on any lump sum or full redemption repaid over 10% of the capital balance.

• 3% up to 31/08/2022
• 2% up to 31/08/2023
• 1% up to 31/08/2024

Overpayments

During the early repayment charge period lump sum overpayments up to 10% of the capital balance per annum may be made without attracting an early repayment charge. Should the total of lump sum overpayments exceed 10% within this period, the excess will attract an early repayment charge.

Once the early repayment charge period has ended overpayments can be made at any time.

If an overpayment of £500 or more is made, we will recalculate the monthly payment the following month.

Repayment

This mortgage is available on a capital and interest repayment basis or up to 60% LTV on interest only with a suitable repayment vehicle. Payments must be made monthly by direct debit. 

Age Limits

The minimum age is 25 for all applicants. There is no maximum age. Cases are considered on individual circumstances.

Loan Size

Minimum loan size £25,000 
Maximum loan size £750,000 up to 75% loan to value

Mortgage Term

The maximum mortgage term is 40 years dependent on individual circumstances.

Portability

This product is portable, meaning that if the applicant moves home they can take it with them, subject to our lending criteria at the time.

Interest

Interest is calculated daily on the balance outstanding and added to the account the following month.