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Buckingham Building Society

This award winning building society strives for a more personal approach wit hits customers. Its speciality lies in savings and mortgages.

Compare mortgages

Reason for mortgage
£
£
years
How would you like to repay?
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Tracker
Initial rate
3.5% (variable)
Fees
£1,553fees
Overall cost
3.6%APRC
Monthly cost
£801.00 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £241,852 includes: Loan amount (£160,000); Interest (£80,299); Booking fee (£150); Application fee (£850); Valuation fee (£255); Legal fee (£148); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 01/10/2019
Initial rate
3.59%then 4.99% (variable)
Fees
£1,203fees
Overall cost
4.7%APRC
Monthly cost
£808.74 for 36 months then £921.29 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £273,539 includes: Loan amount (£160,000); Interest (£112,336); Valuation fee (£255); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Booking fee (£150); Application fee (£500); Legal fee (£148); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 01/10/2021
Initial rate
3.69%then 4.99% (variable)
Fees
£1,553fees
Overall cost
4.6%APRC
Monthly cost
£817.39 for 60 months then £913.90 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £269,933 includes: Loan amount (£160,000); Interest (£108,380); Valuation fee (£255); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Booking fee (£150); Application fee (£850); Legal fee (£148); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2019
Initial rate
3.75%then 4.99% (variable)
Fees
£1,553fees
Overall cost
4.8%APRC
Monthly cost
£822.61 for 36 months then £922.88 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,807 includes: Loan amount (£160,000); Interest (£113,254); Booking fee (£150); Application fee (£850); Valuation fee (£255); Legal fee (£148); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 01/10/2019
Initial rate
3.79%then 4.99% (variable)
Fees
£1,203fees
Overall cost
4.8%APRC
Monthly cost
£826.10 for 36 months then £923.27 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,687 includes: Loan amount (£160,000); Interest (£113,484); Booking fee (£150); Application fee (£500); Valuation fee (£255); Legal fee (£148); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 01/10/2019
Initial rate
3.89%then 4.99% (variable)
Fees
£1,902fees
Overall cost
4.8%APRC
Monthly cost
£834.85 for 36 months then £924.25 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,959 includes: Loan amount (£160,000); Interest (£114,057); Booking fee (£99); Application fee (£1,250); Valuation fee (£255); Legal fee (£148); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 01/10/2021
Initial rate
3.89%then 4.99% (variable)
Fees
£1,553fees
Overall cost
4.6%APRC
Monthly cost
£834.85 for 60 months then £917.20 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £271,772 includes: Loan amount (£160,000); Interest (£110,219); Application fee (£850); Valuation fee (£255); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Booking fee (£150); Legal fee (£148); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2019
Initial rate
3.95%then 4.99% (variable)
Fees
£1,553fees
Overall cost
4.8%APRC
Monthly cost
£840.13 for 36 months then £924.83 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,953 includes: Loan amount (£160,000); Interest (£114,400); Booking fee (£150); Application fee (£850); Valuation fee (£255); Legal fee (£148); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 01/10/2019
Initial rate
3.99%then 4.99% (variable)
Fees
£1,902fees
Overall cost
4.8%APRC
Monthly cost
£843.66 for 36 months then £925.22 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £276,531 includes: Loan amount (£160,000); Interest (£114,629); Booking fee (£99); Application fee (£1,250); Valuation fee (£255); Legal fee (£148); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 01/10/2019
Initial rate
3.99%then 5.74% (variable)
Fees
£1,702fees
Overall cost
5.4%APRC
Monthly cost
£843.66 for 36 months then £989.02 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £293,175 includes: Loan amount (£160,000); Interest (£131,473); Booking fee (£150); Application fee (£999); Valuation fee (£255); Legal fee (£148); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 29/11/2019
Initial rate
4.29%then 5.74% (variable)
Fees
£1,702fees
Overall cost
5.5%APRC
Monthly cost
£870.37 for 36 months then £992.07 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 29/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £294,942 includes: Loan amount (£160,000); Interest (£133,240); Booking fee (£150); Application fee (£999); Valuation fee (£255); Legal fee (£148); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Variable
Initial rate
4.99% (variable)
Fees
£998fees
Overall cost
5.1%APRC
Monthly cost
£934.41 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,322 includes: Loan amount (£160,000); Interest (£120,324); Booking fee (£150); Application fee (£295); Valuation fee (£255); Legal fee (£148); Funds transfer fee (£25); Mortgage discharge fee (£100); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Buckingham Building Society

Buckinghamshire Building Society is based in Chalfont St Giles, in Buckinghamshire. It is an award-winning, small provincial building society with a small town ethos. Unlike larger institutions, Buckinghamshire Building Society strives to offer a more personal approach to its customers and because there are no shareholders to please, the society is in a better position to offer value for money to its members.

The society specialises in savings and mortgages. They were recently placed third overall in the prestigious What Mortgage magazine’s ‘Best Value Lender Over a 10 Year period’, so customers are generally very happy with the service they receive from the Buckinghamshire Building Society.

Buckinghamshire BS mortgages are a big part of the society’s business. Experienced underwriters treat every customer as an individual and each case is judged on its own merits. Advisors will look at a customer’s personal circumstances and recommend the most suitable mortgage deal for them.

Buckinghamshire BS mortgage deals change frequently, but at any given time customers can expect to see a selection of standard variable rate deals and fixed rate deals of between two and four years. Customers can choose between repayment mortgages and interest only products linked to an investment vehicle.

The standard length of a Buckinghamshire BS mortgage is 25 years, but the society is flexible and will extend a mortgage term to 30 years under certain circumstances.

Interest on a Buckinghamshire BS mortgage is calculated annually. Interest on the loan is calculated on December 31st following the completion and on the same date for each successive year thereafter.

Customers can borrow up to £2 million; a higher amount is only available by negotiation. The maximum loan to value is 70% for a repayment mortgage and 65% for an interest-only product. Extra repayments are allowed, but an early repayment percentage fee will apply if repayments are made during the penalty period.

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