A Straightforward Solution For Your First Time Buyers
23 September 2025
At Buckinghamshire Building Society, we know that saving for a deposit is often the biggest challenge for first time buyers. That’s why our 95% LTV Fixed Rate Mortgage has been designed to help them take that first step onto the property ladder.
Product highlights:
✅ 95% loan to value (LTV)
✅ 5.54% fixed until 30/11/2027
✅ Family gifted deposits accepted
✅ No application or product fees
We consider applicants with active Debt Management Plans (DMPs) if they were entered into at least 3 years ago, Defaults that were registered at least 2 years ago are also considered on unsecured loans, credit cards and HP.
...and don't forget - our credit search leaves a soft footprint at DIP stage and we manually underwrite every case, which means our underwriters take a look at your clients complete financial situation to find a solution that works!
This product is exclusively available to first time buyers.
With just a 5% deposit required, this product gives your clients a realistic route into homeownership without the barrier of large upfront costs.
By allowing family gifted deposits, we make it easier for relatives to support their loved ones in buying their first home - and with no product fee to pay, your clients can keep more of their savings for moving expenses, furniture or even just a little peace of mind.
View full product details here
Find out more..
Our Key Account Managers are on hand to talk through the details and answer any questions about criteria or cases that you’d like to discuss. Simply click below to find their details.
