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  • 4.74% Small Loans term discount [D068]

    • Overview
    • Interest Rates
    • How to Apply
    Full Details
    • Initial Rate, a discount of 0.50% from SVR for the term of the loan
      4.74% variable
    • Standard Variable Rate (SVR)
      5.24% variable
    • The overall cost for comparison is
      5.3% APRC
    • Maximum LTV
      60% including fees
    • Application fee
      none
    • Product Fee - may be added to the loan
      £999
    • Early Repayment Charge
      none

    Fees

    • No application fee.
    • £999 product fee. 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% capped at £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)

    There is no Early Repayment Charge.

    Overpayments

    Overpayments may be made at any time and interest will be recalculated from the day following receipt.
    If an overpayment of £500 or more is made, we'll recalculate the monthly payment the following month.

    Affordability

    The amount we lend will be based on our assessment of affordability. Income multiple cap is 4.5 x first income plus 3.5 x second income or 4 x the joint income.

    Repayment

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

    Proof of Income

    • Applicants must have 3 months with current employer.
    • Last 3 months bank statements.
    • Completed Budget Planner.
    • Last P60 and 3 months payslips for all employed applicants. 
    • Last 2 years accounts or SA302s for all self-employed applicants.
    • Certified photographic proof of identity.
    We will carry out electronic verification to prove the applicant’s identity, but we may also ask for documentary evidence of identity. This can include the applicant’s latest mortgage statement, certified proof of residency or other loan or card statements.

    References may be taken up and credit searches will be made. Cases may be declined due to previous adverse credit or information that is not disclosed on the application form.

    Age Limits

    The minimum age is 18 for all applicants. There is no maximum age. Cases are considered on individual circumstances.

    Loan Size

    Minimum loan size £20,000.
    Maximum loan size £50,000.

    Minimum Property Value

    Minimum property value £180,000.

    Mortgage Term

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

    Insurance

    We recommend that the applicant has buildings insurance on the property. It is not a requirement to buy any insurance through Buckinghamshire Building Society.

    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.

    Property type

    Standard construction houses or flats. For leasehold properties the Society requires a minimum unexpired period of 85 years at the time of purchase and at least 55 years unexpired lease remaining after the expected redemption date. Flats over 4 storeys may be considered on an individual basis but are not acceptable if they are local authority or ex-local authority.

    For new build properties the Society requires a minimum lease term of 125 years, a maximum starting ground rent of 0.1% of the property value and no unreasonable ground rent escalators or other event fees.

    Interest

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

  • 3.49% Prime 3 year discount to 90% LTV [D066]

    • Overview
    • Interest Rates
    • How to Apply
    Full Details
    • Initial Rate, a discount of 1.75% from our SVR
      3.49% variable
    • Followed by our Standard Variable Rate (SVR) for the rest of the term
      5.24% variable
    • The overall cost for comparison is
      4.9% APRC
    • Maximum LTV
      90% including fees
    • Application fee
      none
    • Product fee - may be added to the loan
      £999
    • Early Repayment Charge
      Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
      1.50% in year 1
      1.00% in year 2
      0.50% in year 3

    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.

    Higher Lending Charge

    The Society will purchase a Higher Lending insurance to provide additional security where the amount of the loan exceeds 80% of the valuation of the property.

    Acceptable Credit Criteria

    This product accepts our standard credit criteria click here for details

    Early Repayment Charge (ERC)

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

    • 1.50% in year 1
    • 1.00% in year 2
    • 0.50% in year 3

    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.

    Affordability

    The amount we lend will be based on our assessment of affordability. Income multiple cap is 4.5 x first income plus 3.5 x second income or 4 x the joint income.

    Repayment

    This mortgage is available on a capital and interest repayment basis or interest only with a suitable repayment vehicle. Interest only is available only up to 75% LTV. Payments must be made monthly by direct debit.

    Proof of Income

    • Employed applicants must have 3 months with current employer.
    • Last 3 months bank statements.
    • Completed Budget Planner.
    • Last P60 and 3 months payslips for all employed applicants. Last 2 years accounts or SA302s for all self-employed applicants.
    • Certified photographic proof of identity.

    We will carry out electronic verification to prove the applicant’s identity, but we may also ask for documentary evidence of identity. This can include the applicant’s latest mortgage statement, certified proof of residency or other loan or card statements.
    References may be taken up and credit searches will be made. Cases may be declined due to previous adverse credit or information that is not disclosed on the application form.

    Age Limits

    The minimum age is 18 for all applicants. There is no maximum age but applicants must not be retired during the mortgage term. Cases are considered on individual circumstances.

    Loan Size

    Minimum loan size £50,000.
    Maximum loan size £500,000 up to 90% LTV, £1,000,000 up to 80% and £1,500,000 up to 75% LTV.

    Mortgage Term

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

    Insurance

    We recommend that the applicant has buildings insurance on the property. It is not a requirement to buy any insurance through Buckinghamshire Building Society.

    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.

    Property type

    Standard construction houses or flats. For leasehold properties the Society requires a minimum unexpired period of 85 years at the time of purchase and at least 55 years unexpired lease remaining after the expected redemption date. Flats over 4 storeys may be considered on an individual basis but are not acceptable if they are local authority or ex-local authority.

    New Build

    90% LTV up to maximum of £500,000 applies to new build houses outside the M25 (outside London area). Houses in London and all flats have a maximum LTV of 80% up to £750,000. For new build properties the Society requires a minimum lease term of 125 years, a maximum starting ground rent of 0.1% of the property value and no unreasonable ground rent escalators or other event fees.

    Interest

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

  • 3.69% Prime homemover 3 year discount [D067]

    • Overview
    • Interest Rates
    • How to Apply
    Full Details
    • Initial Rate, a discount of 1.55% from our SVR
      3.69% variable
    • Followed by our Standard Variable Rate (SVR) for the rest of the term
      5.24% variable
    • The overall cost for comparison is
      4.9% APRC
    • Maximum LTV
      95% including fees
    • Application fee
      none
    • Product fee - may be added to the loan
      £999
    • Early Repayment Charge
      Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
      1.50% in year 1
      1.00% in year 2
      0.50% in year 3

    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.

    Higher Lending Charge

    The Society will purchase a Higher Lending insurance to provide additional security where the amount of the loan exceeds 80% of the valuation of the property.

    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.

    • 1.50% in year 1
    • 1.00% in year 2
    • 0.50% in year 3

    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.
     

    Affordability

    The amount we lend will be based on our assessment of affordability. Income multiple cap is 4.5 x first income plus 3.5 x second income or 4 x the joint income.

    Repayment

    This mortgage is available on a capital and interest repayment basis or interest only with a suitable repayment vehicle. Interest only is available only up to 75% LTV. Payments must be made monthly by direct debit. 

    Proof of Income

    • Employed applicants must have 3 months with current employer.
    • Last 3 months bank statements.
    • Completed Budget Planner.
    • Last P60 and 3 months payslips for all employed applicants. Last 2 years accounts or SA302s for all self-employed applicants.
    • Certified photographic proof of identity.
    We will carry out electronic verification to prove the applicant’s identity, but we may also ask for documentary evidence of identity. This can include the applicant’s latest mortgage statement, certified proof of residency or other loan or card statements.
    References may be taken up and credit searches will be made. Cases may be declined due to previous adverse credit or information that is not disclosed on the application form.
     

    Age Limits

    The minimum age is 18 for all applicants. There is no maximum age. Cases are considered on individual circumstances.

    Loan Size

    Minimum loan size £50,000.
    Maximum loan size £500,000 up to 95%, £1,000,000 up to 80% and £1,500,000 up to 75%.

    Mortgage Term

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

    Insurance

    We recommend that the applicant has buildings insurance on the property. It is not a requirement to buy any insurance through Buckinghamshire Building Society.

    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.

    Property type

    Standard construction houses or flats. For leasehold properties the Society requires a minimum unexpired period of 85 years at the time of purchase and at least 55 years unexpired lease remaining after the expected redemption date. Flats over 4 storeys may be considered on an individual basis but are not acceptable if they are local authority or ex-local authority.

    New Build

    90% LTV up to maximum of £500,000 applies to new build houses outside the M25 (London area). Houses in London and all flats have a maximum LTV of 80% up to £750,000. For new build properties the Society requires a minimum lease term of 125 years, a maximum starting ground rent of 0.1% of the property value and no unreasonable ground rent escalators or other event fees. 

    Interest

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

  • 3.29% Prime 3 year discount [D065]

    • Overview
    • Interest Rates
    • How to Apply
    Full Details
    • Initial Rate, a discount of 1.95% from our SVR
      3.29% variable
    • Followed by our Standard Variable Rate (SVR) for the rest of the term
      5.24% variable
    • The overall cost for comparison is
      4.8% APRC
    • Maximum LTV
      80% including fees
    • Application fee
      none
    • Product fee - may be added to the loan
      £999
    • Early Repayment Charge
      Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
      1.50% in year 1
      1.00% in year 2
      0.50% in year 3

    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.

    • 1.50% in year 1
    • 1.00% in year 2
    • 0.50% in year 3

    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.

    Affordability

    The amount we lend will be based on our assessment of affordability. Income multiple cap is 4.5 x first income plus 3.5 x second income or 4 x the joint income.

    Repayment

    This mortgage is available on a capital and interest repayment basis or interest only with a suitable repayment vehicle. Interest only is available only up to 75% LTV. Payments must be made monthly by direct debit.

    Proof of Income

    • Employed applicants must have 3 months with current employer.
    • Last 3 months bank statements.
    • Completed Budget Planner.
    • Last P60 and 3 months payslips for all employed applicants. Last 2 years accounts or SA302s for all self-employed applicants.
    • Certified photographic proof of identity.

    We will carry out electronic verification to prove the applicant’s identity, but we may also ask for documentary evidence of identity. This can include the applicant’s latest mortgage statement, certified proof of residency or other loan or card statements.

    References may be taken up and credit searches will be made. Cases may be declined due to previous adverse credit or information that is not disclosed on the application form.

    Age Limits

    The minimum age is 18 for all applicants. There is no maximum age but applicants must not be retired during the mortgage term. Cases are considered on individual circumstances.

    Loan Size

    Minimum loan size £50,000.
    Maximum loan size £1,000,000 up to 80% LTV and £1,500,000 up to 75% LTV.

    Mortgage Term

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

    Insurance

    We recommend that the applicant has buildings insurance on the property. It is not a requirement to buy any insurance through Buckinghamshire Building Society.

    Portability

    These products are portable, meaning that if the applicant moves home they can take it with them, subject to our lending criteria at the time.

    Property type

    Standard construction houses or flats. For leasehold properties the Society requires a minimum unexpired period of 85 years at the time of purchase and at least 55 years unexpired lease remaining after the expected redemption date. Flats over 4 storeys may be considered on an individual basis but are not acceptable if they are local authority or ex-local authority.

    New Build

    We will lend on new build properties up to the maximum LTV of 80%. For new build properties the Society requires a minimum lease term of 125 years, a maximum starting ground rent of 0.1% of the property value and no unreaonable ground rent escalators or other event fees.

    Interest

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

    • Initial Rate, 2.99% which tracks base rate plus 2.24% for 5 years
      2.99% variable
    • Followed by our Standard Variable Rate (SVR) for the rest of the term
      5.24% variable
    • The overall cost for comparison is
      4.2% APRC
    • Maximum LTV
      60% including fees
    • Application Fee - payable upfront and non-refundable
      £150
    • Product Fee - may be added to the loan
      £850
    • Early Repayment Charge
      Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
      1.50% in year 1
      1.00% in year 2
      0.50% in year 3

    Fees

    • Application fee £150. This is payable upfront and is non-refundable.
    • Product fee £850. 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.

    • 1.50% in year 1
    • 1.00% in year 2
    • 0.50% in year 3

    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.

    Affordability

    The amount we lend will be based on our assessment of affordability. Income multiple cap is 4.5 x first income plus 3.5 x second income or 4 x the joint income.

    Repayment

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

    Proof of Income

    • Employed applicants must have 3 months with current employer.
    • Last 3 months bank statements.
    • Completed Budget Planner.
    • Last P60 and 3 months payslips for all employed applicants. 
    • Last 2 years accounts or SA302s for all self-employed applicants.
    • Certified photographic proof of identity.

    We will carry out electronic verification to prove the applicant’s identity, but we may also ask for documentary evidence of identity. This can include the applicant’s latest mortgage statement, certified proof of residency or other loan or card statements.

    References may be taken up and credit searches will be made. Cases may be declined due to previous adverse credit or information that is not disclosed on the application form.

    Age Limits

    The minimum age is 18 for all applicants. There is no maximum age but applicants must not be retired during the mortgage term. Cases are considered on individual circumstances.

    Loan Size

    Minimum loan size £50,000.
    Maximum loan size £750,000.

    Mortgage Term

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

    Insurance

    We recommend that the applicant has buildings insurance on the property. It is not a requirement to buy any insurance through Buckinghamshire Building Society.

    Portability

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

    Property type

    Standard construction houses or flats. For leasehold properties the Society requires a minimum unexpired period of 85 years at the time of purchase and at least 55 years unexpired lease remaining after the expected redemption date. Flats over 4 storeys may be considered on an individual basis but are not acceptable if they are local authority or ex-local authority.

    New Build

    We will lend on new build properties up to the maximum LTV of 60%. For new build properties the Society requires a minimum lease term of 125 years, a maximum starting ground rent of 0.1% of the property value and no unreasonable ground rent escalators or other event fees.

    Interest

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

  • 5.24% Standard Variable Rate [SVR5]

    • Overview
    • Interest Rates
    • How to Apply
    Full Details
    • Initial rate
      5.24% variable
    • Standard Variable Rate (SVR)
      5.24% variable
    • The overall cost for comparison is
      5.9% APRC
    • Maximum LTV
      80% including fees
    • Application Fee - payable upfront and non-refundable
      £150
    • Product Fee - may be added to the loan
      1% of the loan
    • Early Repayment Charge
      There is no Early Repayment Charge

    Fees

    • Application fee £150. This is payable upfront and is non-refundable.
    • Product fee 1% of the amount of the loan. This may be added to the loan subject to the maximum LTV of 80%.
    • 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% capped at £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)

    There is no Early Repayment Charge.

    Overpayments

    Overpayments may be made at any time and interest will be recalculated from the day following receipt.
    If an overpayment of £500 or more is made, we'll recalculate the monthly payment the following month.

    Affordability

    The amount we lend will be based on our assessment of affordability. Income multiple cap is 4.5 x first income plus 3.5 x second income or 4 x the joint income.

    Repayment

    This mortgage is available on a capital and interest repayment basis or interest only with a suitable repayment vehicle. Interest only is available only up to 75% LTV. Payments must be made monthly by direct debit.

    Proof of Income

    • Applicants must have 3 months with current employer.
    • Last 3 months bank statements.
    • Completed Budget Planner.
    • Last P60 and 3 months payslips for all employed applicants. 
    • Last 2 years accounts or SA302s for all self-employed applicants.
    • Certified photographic proof of identity.
    We will carry out electronic verification to prove the applicant’s identity, but we may also ask for documentary evidence of identity. This can include the applicant’s latest mortgage statement, certified proof of residency or other loan or card statements.

    References may be taken up and credit searches will be made. Cases may be declined due to previous adverse credit or information that is not disclosed on the application form.

    Age Limits

    The minimum age is 18 for all applicants. There is no maximum age. Cases are considered on individual circumstances.

    Loan Size

    Minimum loan size £50,000.
    Maximum loan size £1,000,000 up to 80% and £1,500,000 up to 75% LTV for employed applicants.
    Other restrictions on loan size and maximum LTV will apply in some cases.

    Mortgage Term

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

    Insurance

    We recommend that the applicant has buildings insurance on the property. It is not a requirement to buy any insurance through Buckinghamshire Building Society.

    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.

    Property type

    Standard construction houses or flats. For leasehold properties the Society requires a minimum unexpired period of 85 years at the time of purchase and at least 55 years unexpired lease remaining after the expected redemption date. Flats over 4 storeys may be considered on an individual basis but are not acceptable if they are local authority or ex-local authority.

    New Build

    We will lend on new build properties up to the maximum LTV of 80%. For new build properties the Society requires a minimum lease term of 125 years, a maximum starting ground rent of 0.1% of the property value and no unreasonable ground rent escalators or other event fees.

    Interest

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