Compare Mortgage Rates from Buckinghamshire Building Society Against the Market

Buckinghamshire Building Society is a traditional, independent mutual building society founded in 1907. While their physical roots and community focus remain firmly in Buckinghamshire, they operate on a national level as a highly agile Specialist Lender.

You can compare the latest rates and deals available from Buckinghamshire Building Society for free with our free mortgage-sourcing tool below:

Mortgage Products

The Bucks excels in niche areas of the mortgage market, specifically catering to borrowers who have been rejected by high-street banks due to strict, algorithmic criteria.

• Credit Repair / Adverse Credit (Key Specialism):

  • The Bucks have expanded their highly popular Credit Revive and Credit Restore mortgage ranges.

  • These products are specifically designed for borrowers with historical credit blips (such as missed payments, defaults, or small CCJs).

  • Credit Restore: For lighter or older credit issues (often offering up to 75% LTV).

  • Credit Revive: For more recent or heavier adverse credit (offering up to 85% LTV in some circumstances). They offer fixed rates to give borrowers payment certainty while they rebuild their credit profile.

• Later Life Lending:

  • They are very accommodating to older borrowers, lending well into retirement. They will accept standard pension income, but also consider income from property investments or SIPPs to prove affordability.

• Complex Income & Self-Employed:

  • Because a human reads the file, they are excellent for contractors, freelancers, or company directors with complex retained profit structures or multiple income streams.

• Buy-to-Let (BTL):

  • They lend to both accidental landlords (Consumer BTL) and professional property investors, offering flexibility that mainstream lenders lack.

Underwriting policy

Buckinghamshire Building Society champions Manual Underwriting for their mortgage products, which essentially means that…

• No "Computer Says No": The Bucks explicitly states that they look beyond automated credit scores. Every application is reviewed by a human being who takes the time to understand the story behind the numbers.

• The Bucks Way: Their philosophy is "Digital where it helps, personal where it matters," blending modern application portals for brokers with traditional, common-sense lending decisions.

Savings Accounts

As a mutual society, The Bucks relies on retail savings to fund its mortgages. They offer a comprehensive suite of accounts, often featuring in "Best Buy" tables for niche savings.

• Range: Easy Access, Notice Accounts (e.g., 30, 90, or 195 days), Cash ISAs, and Junior/Young Adult accounts.

• Specialist Accounts: They are one of the few providers that offer accessible Trust Savings Accounts and cash deposit accounts for SIPPs (Self-Invested Personal Pensions).

Pros and Cons of Buckinghamshire Building Society

Here is a balanced overview of choosing The Bucks for your finances.

Pros:

• The "Human" Touch: If you have had a life event (like a divorce or illness) that caused a temporary credit issue, they will listen to the explanation and often lend where others won't.

• Credit Rehabilitation: Their specific Credit Revive/Restore products provide a clear pathway for borrowers to get back on the property ladder and eventually transition back to high-street rates.

• Niche Savings: Excellent options for holding funds in a Trust or SIPP.

• Member Focus: They have a strong community ethos, reinvesting profits into local charities and initiatives.

Cons:

• Higher Mortgage Rates: You pay a premium for manual underwriting and adverse credit tolerance. Their interest rates on specialist products will be noticeably higher than a standard product from a giant like HSBC or Nationwide.

• Speed: Having a human underwriter meticulously read through bank statements and credit reports takes time. They are not the right lender if you need a mortgage offer in 48 hours.

• Single Branch: If you prefer face-to-face banking, you have to visit their single branch in Chalfont St Giles.

Customer Service and Reviews

• Mortgage Brokers: In the intermediary market, The Bucks is highly respected. Brokers frequently praise the accessibility of their underwriters and Business Development Managers (BDMs) when trying to place a quirky case.

• Direct Consumers: On platforms like Smart Money People, they score very highly (consistently around 4.4+ out of 5), with customers highlighting friendly staff and transparent communication on both the savings and mortgage sides of the business.

How to Apply

1. Mortgages (Through a Broker): For any specialist mortgage - especially the Credit Revive or Credit Restore products - it is highly recommended to use an independent, whole-of-market mortgage broker. A broker knows how to package your "story" to the underwriter for the best chance of success.

2. Savings (Direct): You can open most savings accounts directly via their website, by post, or in the branch.

Get started here to begin a free, no-obligation chat with a broker who specialises in Buckinghamshire Building Society’s product range and can help you access their deals.