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5.39% Standard Variable Rate [SVR5]

The overall cost for comparison is 5.8% APRC



  • Valuation Type
    Physical valuation required
  • Initial rate
    5.39% variable
  • Standard Variable Rate (SVR)
    5.39% variable
  • The overall cost for comparison is
    5.8% APRC
  • Maximum LTV
    80% including fees
  • Application Fee - payable upfront and non-refundable
  • Product Fee - may be added to the loan
    1% of the loan
  • Early Repayment Charge
    There is no Early Repayment Charge


Representative Example

A mortgage loan of £76,785 (which includes a product fee of £760 and a funds transfer fee of £25) payable over 7 years and 8 months on Standard Variable Rate of 5.39% for the entire term would require 92 payments of £1,020.76.

The total amount payable would be £94,617.92 made up of the loan amount plus interest of £17,124.92 plus an application fee of £150, valuation fee of £310, legal fees to your solicitor of £148, and exit fee of £100.

The overall cost for comparison is 5.8% APRC representative.

Further Information


  • 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 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.


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.

Age Limits

The minimum age is 18 for all applicants. There is no maximum age. Earned income considered up to age 75. 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 60% 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.


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