"This latest range builds on what we're known for – taking a practical, common-sense view of each case"
- Claire Askham - Buckinghmashire Building Society
Buckinghamshire Building Society has expanded its buy-to-let mortgage offering to 80% LTV across standard, limited company and expat lending, as part of a wider discounted rate range launch aimed at brokers working with complex cases.
Expat landlords based in Australia and New Zealand are now accommodated within the range, alongside specialist options for limited company holiday lets.
Day one remortgage facilities are also available, giving landlords the ability to act quickly when restructuring portfolios or pursuing new opportunities without waiting through a standard seasoning period.
Broader buy-to-let options for landlords adapting to market conditions
The BTL expansion forms part of a refreshed product range that also covers first-time buyers, later life lending and credit-impaired borrowers. The society says the common thread across all segments is its manual underwriting approach, which assesses each case individually rather than relying on automated decisioning.
"Brokers are working with a growing number of clients who don't fit a standard mould, whether that's a first-time buyer facing affordability pressures or a landlord adapting to changing market conditions," said Claire Askham, head of mortgage sales at Buckinghamshire Building Society (pictured). "Discounted rates can play an important role here, offering flexibility without requiring a longer-term fixed commitment."
"This latest range builds on what we're known for – taking a practical, common-sense view of each case. By combining discounted products with manual underwriting, we're giving brokers more ways to support their clients and place cases with confidence."
Discounted rate products are positioned by the society as particularly relevant where borrowers want lower initial monthly payments without locking into a longer fixed term, a consideration that has grown in relevance as affordability pressures persist across the UK mortgage market.
Support for complex residential cases alongside the BTL range
On the residential side, the range includes debt consolidation up to 80% LTV through its Credit Revive product, lending to applicants who have recently cleared bankruptcy, and a 95% LTV option available to borrowers currently in an active debt management plan. Non-standard and multiple income streams are also supported.
The breadth of the range reflects the society's stated focus on cases that fall outside mainstream lending criteria, an area where smaller building societies have increasingly carved out a distinct position as larger lenders tighten affordability rules.
For brokers placing landlord cases in particular, the combination of limited company lending, expat eligibility and day one remortgage access within a single lender's range reduces the need to approach multiple providers for clients with more nuanced requirements.
