Buckinghamshire Building Society Mortgages
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Buckinghamshire Building Society Mortgages FAQ
Who are Buckinghamshire Building Society?
Founded in 1907, Buckingham Building Society was originally named the Chalfont & District Permanent Building Society, before adopting its current name in 1961. As a mutual society, the building society is now owned by its members and focuses on providing traditional services and value to existing and new members. Their products range from various savings and ISA accounts to a portfolio of mortgage products.
What types of mortgage do Buckinghamshire Building Society offer?
Buckinghamshire Building Society offer an array of mortgage products and services. These are suitable not only for those looking to purchase their first home, but also those looking to remortgage, move home or self-build. There are also shared ownership options available.
For landlords who are looking to purchase property, Buckinghamshire Building Society offer several buy-to-let mortgages.
The types of mortgage available to you will depend on your individual circumstances and can vary with changes in the market.
How do I apply for a mortgage with Buckinghamshire Building Society?
To apply for a mortgage with Buckinghamshire Building Society, you will need to seek advice from an independent mortgage broker, as Buckinghamshire Building Society do not offer mortgage products direct to customers. Your mortgage broker can undertake the application process on your behalf and give you advice on the products most suitable for your financial situation.
Once your broker has your identification and proof-of-income documents, they will contact Buckinghamshire Building Society to proceed with your application.
I’m self-employed. Can I apply for a mortgage with Buckinghamshire Building Society?
In principle, yes. But you will need to check your eligibility. To apply, you will need to supply both your SA302 and your past two years’ accounts.
Does Buckinghamshire Building Society accept guarantors for mortgage applications?
Depending on the range of products available at your time of application, you might find that Buckinghamshire Building Society offer a guarantor option on owner-occupied mortgages.
It’s also worth talking to your broker about whether or not that Family Assist product is available. This enables parents or grandparents to put up part of the equity in their own property as a deposit for their children or grandchildren. This would enable these future generations to get on the property ladder without needing to save up for a 10 per cent deposit.
Can I make overpayments on my mortgage with Buckinghamshire Building Society?
The specific details of your overpayment allowance will depend on your individual agreement with Buckinghamshire Building Society. However, it is common for lenders to offer overpayments of up to 10 percent of your capital per year with Early Repayment Charges (ERCs) invoked when you pay over this limit.
It is important to check your mortgage contract to see if there is an early repayment clause and what your fee for exceeding it would be.
How do I compare mortgages offered by Buckinghamshire Building Society?
To compare and find the best product for you, NerdWallet compare Buckinghamshire Building Society’s mortgage portfolio, including their interest rates and application fees. If you see a product that fits your requirements, it would be advisable to speak to your mortgage broker to begin the application process.
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