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.
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
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
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?
Yes, while the society is based in Buckinghamshire, it lends on properties across England and Wales. Contact them to confirm coverage for your specific area.
Can I get a buy-to-let mortgage through a limited company?
Yes, Buckinghamshire Building Society offers buy-to-let mortgages for limited company borrowers, which can provide tax advantages for landlords.
Does Buckinghamshire Building Society accept contractor income?
Yes, the society considers contractor income on an individual basis and can often use the daily or annual contract rate rather than requiring traditional accounts.
What later life mortgage products are available?
Buckinghamshire Building Society offers mortgage products designed for older borrowers, with terms that can extend into retirement. Eligibility depends on your retirement income and circumstances.
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Hanley Economic Building Society | Residential, Buy-to-Let, Limited Company+1 | Building Soc. | 85% |
| Harpenden Building Society | Residential, Buy-to-Let, Limited Company | Building Soc. | 80% |
| Suffolk Building Society | Residential, Buy-to-Let, Self Build+3 | Building Soc. | 90% |
| Tipton & Coseley Building Society | Residential, Buy-to-Let, Adverse Credit+3 | Building Soc. | 85% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Affordable Homes Rise, But Mortgage Rates Limit Buyers
More homes are becoming affordable, but rising mortgage rates are reducing buyer interest.
April Mortgages: A Modern Approach to Lending
April Mortgages is enhancing its brand and operational efficiency to better serve borrowers and intermediaries, including new offerings for those over 50.
Managing a 35-Year Mortgage: Key Strategies for Borrowers
Understanding how to manage a 35-year mortgage is important for borrowers, especially as they approach retirement.
UK Property Market Activity Remains Subdued Amid Challenges
UK property market activity remains subdued as affordability and uncertainty weigh on buyers, with transactions down 2% year-on-year in August 2026.
On this page
Need help choosing a broker?
Get matched with relevant advisers.
Sample adviser photos for illustration.
100% free No obligation FCA Brokers only
View Lenders
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.
Social Media
Follow Buckinghamshire Building Society on social media for updates and insights.