Considering a Buckinghamshire Building Society mortgage in 2025 might be a wise choice for many homebuyers.

Buckinghamshire Building Society Launches 95% LTV Fixed Rate Mortgage for First-Time Buyers

Supporting First-Time Buyers in the UK

Finding a deposit and overcoming credit hurdles are two of the biggest obstacles for first-time homebuyers in the UK.

Buckinghamshire Building Society has responded with a dedicated solution: a new 95% Loan-to-Value (LTV) Fixed Rate Mortgage product, specifically designed to make property ownership more accessible to first-time buyers in preparation for a Buckinghamshire Building Society mortgage 2025.

Mortgage Product Highlights and Features

The Buckinghamshire Building Society’s 95% LTV Fixed Rate Mortgage stands out for its accessibility, competitiveness, and flexibility, offering:

• 95% LTV – Borrowers only need a 5% deposit, making it easier to get onto the property ladder with lower up-front savings.
• Fixed Rate at 5.54% until 30/11/2027 – Enjoy the certainty of fixed monthly repayments for over two years.
• No Application or Product Fees – Maximise your savings for moving and furnishing your home.
• Family Gifted Deposits Accepted – Relatives can help with your deposit, broadening access for many buyers.

Updated Criteria: Flexible Lending for Modern Borrowers

Buckinghamshire Building Society recognises that perfectly clean credit isn’t realistic for everyone. Their criteria now includes:

• Applicants with active Debt Management Plans (DMPs): Considered if the DMP started at least three years ago.
• Historic Defaults: Applicants with defaults on unsecured loans, credit cards, or hire purchase agreements registered at least two years ago may be accepted.
• Manual Underwriting on Every Case: Every application is assessed by an underwriter, considering your whole financial picture rather than relying on automated decisions.
• Soft Credit Search at Decision in Principle (DIP): The initial check won’t leave a hard mark on your credit record, offering reassurance as you explore your options for a Buckinghamshire Building Society mortgage 2025.

Who Benefits Most from This Mortgage?

• First-Time Buyers: This deal is exclusively for those purchasing their very first home.
• Borrowers with Limited Deposits: Only a 5% deposit is required, ideal for those struggling to save amidst high living costs.
• Families Looking to Support Loved Ones: Flexible acceptance of gifted deposits enables families to help without complex arrangements.
• Those with Historical Credit Hiccups: If you’ve had defaults or a now-stabilised DMP, you may still qualify.

Special Features and Borrower Advantages

• No Product or Application Fee: Keep more of your cash for essential moving expenses, reducing financial strain at the point of purchase.
• Personal Underwriting: Real people consider the story behind your finances, improving your chances if your circumstances are non-standard.
• Credit Search with Soft Footprint: You can apply for an Agreement in Principle without fear of damaging your credit score.

Why Choose Buckinghamshire Building Society?

Buckinghamshire Building Society is committed to a flexible and supportive approach for first-time buyers. With over a century of lending experience, their focus on manual underwriting and innovative products helps more people access homeownership, even with unique financial backgrounds or modest savings for a prospective 2025 mortgage.

• Manual review of each case ensures personal financial circumstances are carefully considered.
• No upfront fees means your savings go further.
• Proven experience in helping borrowers with less-than-perfect credit histories.
• Exclusive first-time buyer focus supports those standing on the first rung of the property ladder.

Secure Your First Home with Expert Advice

The new 95% LTV Fixed Rate Mortgage from Buckinghamshire Building Society presents a valuable opportunity for first-time buyers — especially those with smaller deposits or past credit issues — to step confidently onto the property ladder.

Ready to explore your options? Our award-winning mortgage advisers specialise in first-time buyer and flexible lending solutions. Contact our team for a bespoke assessment and to start your journey with confidence.

Frequently Asked Questions (FAQs)

1. Who qualifies for the Buckinghamshire Building Society 95% LTV mortgage?
   Exclusively first-time buyers with at least a 5% deposit, including those with family gifted deposits, may apply. Applicants with older credit issues or DMPs are also considered.
2. How do past credit issues affect my eligibility?
   If defaults occurred over two years ago, or you have a stable DMP started at least three years ago, you may still qualify, subject to a manual underwriting review.
3. Are there any fees with this mortgage?
   No, there are no application or product arrangement fees for this specific fixed rate product.
4. Does a soft credit check affect my credit score?
   No, the soft credit search at the Decision in Principle stage will not harm your credit rating.
5. How can I apply or learn if I qualify?
   Contact our mortgage advice team for a tailored assessment. We’ll guide you through eligibility and the application process.