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This product accepts our standard credit criteria click here for details
There is a charge of 3% of the capital balance for any full redemption made in the first 2 years.
Overpayments are not permitted.
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 joint income.
These mortgages are available on an interest only basis during the 2 year discount period of the build, changing to capital repayment for the remainder of the term. Payments must be made monthly by direct debit.
Stage payments are made in advance based on the valuer's estimate of the value once the next stage is completed for the following stages:
Stage 1 – Land with full planning permissions (max 80% Loan to cost)
Stage 2 – Foundations to damp proof level (max 80% Loan to cost)
Stage 3 – Wall plate level (max 80% Loan to cost)
Stage 4 – Roof on and watertight (max 80% Loan to cost)
Stage 5 – Plastered out second fix (max 80% Loan to cost)
Stage 6 – Fully completed (max 80% LTV)
The build must start within 6 months of the offer.
The build must complete within 24 months of the first stage release.
Maximum LTV on the release of funds at completion not exceeding 80% up to £500,000. Please contact us for full details.
We will also carry out electronic verification to prove the applicant’s identity, but we may also ask for further 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.
Minimum age 25. There is no maximum age limit. Cases are considered on individual circumstances.
Minimum loan size £100,000
Maximum loan size £500,000
Minimum property value is £120,000.
The maximum mortgage term is 40 years dependent on individual circumstances.
Build out insurance must be in place by the date of first release. A recognised 10 year warranty, additional security fee and site insurance including third party liability must be taken out during the course of construction.
Following completion of the build, we recommend that you have buildings insurance on the property. You are not required to buy any insurance through Buckinghamshire Building Society.
This product is not portable.
We will lend for the following types of building:
Interest is calculated daily on the balance outstanding and added to the account the following month.
Download our Forms to Apply
This product accepts our standard credit criteria click here for details
There is a charge of 3% of the capital balance for any full redemption made in the first 2 years.
Overpayments are not permitted.
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 joint income.
These mortgages are available on an interest only basis during the 2 year discount period of the build, changing to capital repayment for the remainder of the term. Payments must be made monthly by direct debit.
Advances are made in arrears at the following stages:
Stage 1 – purchase of land
Stage 2 – preliminary costs and foundations
Stage 3 – wall plate level
Stage 4 – wind and watertight
Stage 5 – first fix and plastering
Stage 6 – fully completed
The build must start within 6 months of the offer.
The build must complete within 24 months of the first stage release.
Maximum LTV on the release of funds at completion not exceeding 85% up to £500,000 and 80% up to £750,000. Please contact us for full details.
We will also carry out electronic verification to prove the applicant’s identity, but we may also ask for further 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.
Minimum age 25. There is no maximum age limit. Cases are considered on individual circumstances.
Minimum loan size £100,000
Maximum loan size £750,000
Minimum property value is £100,000.
The maximum mortgage term is 40 years dependent on individual circumstances.
Build out insurance must be in place by the date of first release. A recognised 10 year warranty, additional security fee and site insurance including third party liability must be taken out during the course of construction.
Following completion of the build, we recommend that you have buildings insurance on the property. You are not required to buy any insurance through Buckinghamshire Building Society.
This product is not portable.
We will lend for the following types of building:
Interest is calculated daily on the balance outstanding and added to the account the following month.
Download our Forms to Apply
Other charges may be made in respect of mortgage services. See our Fees Guide for details.
This product accepts our standard credit criteria click here for details
There is a charge of 3% of the capital balance for any full redemption made in the first 2 years.
Overpayments are not permitted.
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.
These mortgages are available on a capital and interest repayment basis or interest only with a suitable repayment vehicle. Payments must be made monthly by direct debit.
Advances are made in arrears at the following stages:
Stage 1 – Land with full planning permissions (max 85% LTV)
Stage 2 – Fully completed (max 95% LTV based on the lower of contracted purchase price or valuation)
The build must start within 6 months of the offer.
The build must complete within 24 months of the first stage release.
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.
The minimum age is 25 for all applicants. There is no maximum age but applicants must not be retired during the mortgage term. Cases are considered on individual circumstances.
Minimum loan size £100,000.
Maximum loan size £500,000.
The maximum mortgage term is 40 years dependent on individual circumstances.
Build out insurance must be in place by the date of first release. A recognised 10 year warranty, additional security fee and site insurance including third party liability must be taken out during the course of construction.
Following completion of the build, we recommend that you have buildings insurance on the property. You are not required to buy any insurance through Buckinghamshire Building Society.
Build out insurance must be in place at the first release stage.
This product is not portable.
Properties of traditional construction (generally brick / stone walls and slate / tile roof).
Timber framed properties subject to the exterior being clad in brick/block. Wholly timber framed properties may be acceptable in certain circumstances.
We may lend against steel framed houses dependent on individual circumstances.
Interest is calculated daily on the balance outstanding and added to the account the following month.
This product accepts our standard credit criteria click here for details
There is a charge of 3% of the capital balance for any full redemption made in the first 2 years.
Overpayments are not permitted.
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 joint income.
These mortgages are available on an interest only basis during the 2 year discount period of the build, changing to capital repayment for the remainder of the term. Payments must be made monthly by direct debit.
Stage payments are made in advance based on the valuer's estimate of the value once the next stage is completed for the following stages:
Stage 1 – Land with full planning permissions (max 80% Loan to cost)
Stage 2 – Foundations to damp proof level (max 85% Loan to cost)
Stage 3 – Wall plate level (max 85% Loan to cost)
Stage 4 – Roof on and watertight ( max 85% Loan to cost)
Stage 5 – Plastered out second fix ( max 85% Loan to cost)
Stage 6 – Fully completed ( max 80% LTV)
The build must start within 6 months of the offer.
The build must complete within 24 months of the first stage release.
Maximum LTV on the release of funds at completion not exceeding 80% up to £500,000. Please contact us for full details.
We will also carry out electronic verification to prove the applicant’s identity, but we may also ask for further 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.
Minimum age 25. There is no maximum age limit. Cases are considered on individual circumstances.
Minimum loan size £100,000
Maximum loan size £500,000
Minimum property value is £120,000.
The maximum mortgage term is 40 years dependent on individual circumstances.
Build out insurance must be in place by the date of first release. A recognised 10 year warranty, additional security fee and site insurance including third party liability must be taken out during the course of construction.
Following completion of the build, we recommend that you have buildings insurance on the property. You are not required to buy any insurance through Buckinghamshire Building Society.
This product is not portable.
We will lend for the following types of building:
Interest is calculated daily on the balance outstanding and added to the account the following month.
Download our Forms to Apply