Buckinghamshire Building Society
Building SocietyBuckinghamshire Building Society is a regional mutual based in High Wycombe, offering residential and buy-to-let mortgages with a flexible, personal underwriting approach across the South East of England.
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About Buckinghamshire Building Society
Buckinghamshire Building Society was founded in 1877 and has served the communities of Buckinghamshire and the wider South East for nearly 150 years. The society operates from branches in High Wycombe and Beaconsfield, maintaining a strong local presence while lending across a broader geographic area.
The society offers a range of residential and buy-to-let mortgage products, with a reputation for flexibility in its underwriting approach. Buckinghamshire Building Society individually assesses each application, which can be particularly beneficial for self-employed borrowers, contractors, and those with non-standard income. The society also offers later life mortgage products for older borrowers.
As a mutual organisation, Buckinghamshire Building Society is owned by its members and operates for their benefit. The society has maintained its independence and community focus throughout its history, combining traditional values with modern lending practices. It is regulated by the FCA and PRA.
Lending Focus
Buckinghamshire Building Society offers mortgage products across 3 categories including Residential, Buy-to-Let, Limited Company.
Key Features
- Individual underwriting for flexible mortgage assessments
- Buy-to-let mortgages including limited company applications
- Later life mortgage options for older borrowers
- Personal service through local Buckinghamshire branches
Pros & Cons
Pros
- Flexible underwriting that considers non-standard income
- Accepts limited company buy-to-let applications
- Strong personal service through dedicated local branches
- Competitive rates as a mutual with no shareholder dividends
Cons
- –Small branch network limited to Buckinghamshire area
- –No self-build, bridging, or specialist lending products
- –Less well-known brand compared to larger building societies
Fees & Charges
- Arrangement Fee
- Varies by product; typically £499–£999
- Valuation Fee
- Charged based on property value; free on selected products
- Early Repayment Charge
- 1–3% during the initial deal period
- Overpayment Allowance
- Up to 10% per year without charge on most products
Mortgage Rates
Rate data coming soon. View rates on Buckinghamshire Building Society
Application Process
- Processing Time
- 2–4 weeks
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 90%
Frequently Asked Questions
Does Buckinghamshire Building Society lend outside Buckinghamshire?
Can I get a buy-to-let mortgage through a limited company?
Does Buckinghamshire Building Society accept contractor income?
What later life mortgage products are available?
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.