- Introduction
- Your Guide to Mortgages
- Mortgage Tariff of Charges
- Standard Variable Rate Mortgage
- 0.76% Discount for 3 Years
- Standard Buy to Let
- Purchases via Joint Equity Ltd. Variable rate
- Puchases via Joint Equity Ltd. Fixed rate 5.25%
- 2 Year Fixed Rate Mortgage 4.99% to 31 May 2012
- 2 Year Fixed Rate Mortgage 5.25% to 31 May 2012
- 3 Year Fixed Rate Mortgage 5.25% to 31 May 2013
- 3 Year Fixed Rate Mortgage 5.50% to 31 May 2013
- 2 Year Fixed Rate Buy-to-Let Mortgage
- 3 Year Fixed Rate Buy-to-Let Mortgage
- Other products
- Mortgage calculator
- In financial difficulties?
Available to customers looking to purchase or re-mortgage owner-occupied property in England and Wales via Joint Equity Ltd.
Maximum Advance LTV | 70% Repayment | 65% Interest Only |
| Initial Rate | 5.25% fixed until 30th November 2011, then changing to SVR + 0.25%. | 5.25% fixed until 30th November 2011, then changing to SVR + 0.50%. |
| Current Standard Variable Rate | 5.24% | 5.24% |
| The overall cost for comparison is | 5.5% APR | 5.5% APR |
| Arrangement fee | 0.50%, minimum £500, maximum £1,000. £250 must be submitted with the mortgage application and is non-refundable. The balance of the fee can be added to the mortgage on completion. | 0.50%, minimum £500, maximum £1,000. £250 must be submitted with the mortgage application and is non-refundable. The balance of the fee can be added to the mortgage on completion. |
| Valuation fee | Dependent on property price. See Your Guide to Mortgages. | Dependent on property price. See Your Guide to Mortgages. |
| Early repayment charge | 3% of the amount repaid until 30th November 2011 in excess of 10% of the capital balance or redemption of the mortgage. | 3% of the amount repaid until 30th November 2011 in excess of 10% of the capital balance or redemption of the mortgage. |
| Minimum advance | £40,000 | £40,000 |
| Maximum advance | £500,000 | £500,000 |
Interest is calculated annually as at 31st December.Individual assessment is given to all applicants by experienced underwriters.
Income multiples of 4 x first income plus 2.5 x second income are available.
Reference enquiries will be taken up and credit searches made.
Cases may be declined due to previous loan arrears or if essential information is not disclosed on the application form.
You are not required to buy any insurance through Buckinghamshire Building Society.Variable interest rates can go up or down.
Interest only mortgages must contain an acceptable repayment vehicle to ensure that the mortgage can be repaid at the end of the term.
The actual rate available will depend upon your circumstances. Ask for a personalised illustration. Mortgage Department 01494 879517.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
