Buckinghamshire Building Society reduces Credit Revive and Credit Restore rates by up to 0.20%
07 October 2025
Buckinghamshire Building Society has reduced rates across its Credit Revive and Credit Restore product ranges by up to 0.20%, as it continues to support borrowers with recent or historic credit issues.
The reductions apply to three two-year fixed rate products, each with a £999 product fee:
- Credit Revive up to 85% LTV: now 5.89%, reduced from 6.09%
- Credit Restore up to 60% LTV: now 5.99%, reduced from 6.19%
- Credit Restore up to 75% LTV: now 6.49%, reduced from 6.69%
All three are available for purchase or remortgage, and offer a maximum loan size of £750,000.
Buckinghamshire Building Society has grouped its lending proposition into four key areas within its Crafted Lending range: first-time buyers, non-standard income, restoring or reviving credit, and specialist solutions such as Deposit Lite and Joint Borrower Sole Proprietor (JBSP).
As part of this, the Credit Revive and Credit Restore ranges support clients with a history of credit issues. Credit Revive is suited to those with a small number of historic credit blips, such as missed payments, defaults or arrears, while Credit Restore caters for more serious or recent events, including CCJs or active debt management plans. Both ranges are manually underwritten, with each case assessed individually.
Earlier this year, the Society increased the maximum loan-to-value on Credit Restore from 70% to 75%, helping borrowers to access a wider range of options and take the next step towards home ownership.
Buckinghamshire Building Society is an award winning, mutually owned mortgage lender and savings provider based in the village of Chalfont St Giles, Buckinghamshire.
Claire Askham, Head of Mortgage Sales at Buckinghamshire Building Society, commented:
“Brokers are telling us that demand for adverse credit mortgages remains strong and borrowers are increasingly looking for options that don’t penalise them indefinitely for historic financial difficulties. These reductions are another way we’re making our specialist criteria more accessible, without compromising on our manual approach.
“We understand that no two clients are the same, and we’ll continue to work closely with brokers to find solutions that reflect that.”
For more information, visit the Buckinghamshire Building Society website.
