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Buckinghamshire Building Society

ABOUT Buckinghamshire

The Buckinghamshire Building Society was founded in 1907 in Chalfont St Giles by a group of local businessmen, today its head office is in Chalfont St. Giles and it has a branch office in Chalfont St. Peter.

In the last seven years the Society's membership has doubled in size, and its assets have grown from £1m in 1960 to over £100m by the year 2003.

The Buckinghamshire Building Society is a mutual society and is therefore owned by its members.

The Buckinghamshire Building Society has no shareholders to pay, so it aims to provide value to existing and new members through competitive products. It has the following types of mortgages for property through England and Wales:

Discount
Tracker
Buy to Let

Buckinghamshire Building Society Mortgage Products

Discount rate: your mortgage will be set at a discount off the variable Base Mortgage Rate for an agreed term. The Buckinghamshire has discount deals for 3, 4 and 5 years. The Buckinghamshire also has a mortgage product that is set at a discount throughout the mortgage term. Overpayments are allowed, however if you repay the mortgage within the discount period or overpay more than 10% of the mortgage in one year an early repayment charge will apply. An arrangement fee is applicable. You can choose to take out a Capital repayment mortgage or an Interest Only mortgage (you also need a financial repayment vehicle to go with this option).
Tracker: your mortgage is set according to the Bank of England base rate plus an amount determined by the Society. Overpayments are allowed, however if you repay the mortgage within the first two years or overpay more than 10% of the mortgage in one year an early repayment charge will apply. An arrangement fee is applicable. You can choose to take out a Capital repayment mortgage or an Interest only mortgage (you also need a financial repayment vehicle to go with this option).
Buy to Let: the standard rate for this type of product is set by the Society. There are also discount schemes for 2, 3, 4 and 5 years. Discounts are set off the Base Mortgage Rate and the rate you will pay is dependent on which product you choose. Overpayments are allowed, however if you repay the mortgage within the discount period or overpay more than 10% of the mortgage in one year an early repayment charge will apply. An arrangement fee is applicable. You can choose to take out a Capital repayment mortgage or an Interest only mortgage (you also need a financial repayment vehicle to go with this option).
The Buckinghamshire also has a: Buy to Let tracker mortgage: this is set for the mortgage term according to the Bank of England base rate plus a charge set by the Society. Overpayments are allowed, however if you repay the mortgage within the first two years or overpay more than 10% of the mortgage in one year an early repayment charge will apply. An arrangement fee is applicable. You can choose to take out a Capital repayment mortgage or an Interest only mortgage (you also need a financial repayment vehicle to go with this option). If you are interested in a mortgage quotation including those offered by The Buckinghamshire Building Society please complete our quick enquiry form. The Buckinghamshire Building Society can also help you look after yourself in case of unemployment or accident. It has two policies: Mortgage Payment Protection Insurance Buildings Insurance Mortgage Payment Protection Insurance: You could lose your home if you fall behind with your mortgage repayments and cannot catch up again. But you can take steps to protect yourself against this risk by taking out a Mortgage Payment Protection Insurance. The policy pays your monthly mortgage payment for up to 12 months if you suffer accident, sickness or unemployment. Buildings Insurance: this is compulsory but it does not have to be taken out with the Society. The Buckinghamshire will provide you with a competitive quote for cover, either on a standard basis or with accidental damage. The annual premium will be included with your monthly mortgage repayment.

Buckinghamshire Building Society Mortgage Products

Discount rate: your mortgage will be set at a discount off the variable Base Mortgage Rate for an agreed term. The Buckinghamshire has discount deals for 3, 4 and 5 years. The Buckinghamshire also has a mortgage product that is set at a discount throughout the mortgage term.

Overpayments are allowed, however if you repay the mortgage within the discount period or overpay more than 10% of the mortgage in one year an early repayment charge will apply. An arrangement fee is applicable. You can choose to take out a Capital repayment mortgage or an Interest Only mortgage (you also need a financial repayment vehicle to go with this option).

Tracker: your mortgage is set according to the Bank of England base rate plus an amount determined by the Society.

Overpayments are allowed, however if you repay the mortgage within the first two years or overpay more than 10% of the mortgage in one year an early repayment charge will apply. An arrangement fee is applicable. You can choose to take out a Capital repayment mortgage or an Interest only mortgage (you also need a financial repayment vehicle to go with this option).

Buy to Let: the standard rate for this type of product is set by the Society. There are also discount schemes for 2, 3, 4 and 5 years. Discounts are set off the Base Mortgage Rate and the rate you will pay is dependent on which product you choose.

Overpayments are allowed, however if you repay the mortgage within the discount period or overpay more than 10% of the mortgage in one year an early repayment charge will apply. An arrangement fee is applicable. You can choose to take out a Capital repayment mortgage or an Interest only mortgage (you also need a financial repayment vehicle to go with this option).

The Buckinghamshire also has a:

Buy to Let tracker mortgage: this is set for the mortgage term according to the Bank of England base rate plus a charge set by the Society. Overpayments are allowed, however if you repay the mortgage within the first two years or overpay more than 10% of the mortgage in one year an early repayment charge will apply. An arrangement fee is applicable. You can choose to take out a Capital repayment mortgage or an Interest only mortgage (you also need a financial repayment vehicle to go with this option).

If you are interested in a mortgage quotation including those offered by The Buckinghamshire Building Society please complete our quick enquiry form.

The Buckinghamshire Building Society can also help you look after yourself in case of unemployment or accident. It has two policies:

Mortgage Payment Protection Insurance
Buildings Insurance

Mortgage Payment Protection Insurance: You could lose your home if you fall behind with your mortgage repayments and cannot catch up again. But you can take steps to protect yourself against this risk by taking out a Mortgage Payment Protection Insurance.

The policy pays your monthly mortgage payment for up to 12 months if you suffer accident, sickness or unemployment.

Buildings Insurance: this is compulsory but it does not have to be taken out with the Society. The Buckinghamshire will provide you with a competitive quote for cover, either on a standard basis or with accidental damage. The annual premium will be included with your monthly mortgage repayment.

Current Buckinghamshire Building Society Mortgage Offers

Buckinghamshire Building Society Mortgage News
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