"We’ve refined our limited company rates and introduced a new two-year discount to give more flexibility, especially for clients who want to keep upfront costs down or manage their cash flow in the early years"
- Claire Askham - Buckinghamshire Building Society
Buckinghamshire Building Society has reduced rates by as much as 40 basis points across its limited company buy-to-let (BTL) and holiday let products, with pricing now starting from 5.79%.
The most significant adjustment applies to the lender’s five-year fixed limited company BTL product, which has dropped from 6.39% to 5.99%. The revised rate offers a more competitive option for landlords seeking longer-term certainty in a volatile market.
To expand its offering, the Society has also launched a two-year discounted limited company BTL product at 5.79%, aiming to support clients interested in short-term borrowing solutions.
Other key rate changes across the range include:
A new two-year limited company BTL discount product introduced at 5.79%
The five-year fixed rate limited company BTL now set at 5.99%, down from 6.39%
The three-year fixed expat limited company BTL now priced at 5.89%, reduced from 6.19%
The two-year fixed rate holiday let for limited companies now at 5.79%, down from 5.99%
The two-year discounted expat holiday let for limited companies now at 5.89%, reduced from 6.19%
The two-year discounted everyday expat holiday let now at 5.79%, down from 5.99%
A flat product fee of £1,500 applies to all limited company products, while non-limited company products come with a £1,195 fee. For limited company applicants, a 125% interest coverage ratio (ICR) is required.
The Society continues to support a wide range of borrower types, including those working with day one special purpose vehicles (SPVs), first-time landlords and first-time buyers.
These updates follow rate changes to the Society’s Credit Restore range in June, which included reductions of up to 20 basis points and a maximum loan-to-value (LTV) increase to 75%. Those adjustments were introduced to improve access for credit-impaired borrowers and received a positive response from intermediaries.
“We know the market is constantly shifting, and these changes reflect our efforts to keep our products competitive and useful for brokers,” said Claire Askham, head of mortgage sales at Buckinghamshire Building Society (pictured). “We’ve refined our limited company rates and introduced a new two-year discount to give more flexibility, especially for clients who want to keep upfront costs down or manage their cash flow in the early years."
“We’re always listening to the conversations brokers are having with their clients. Whether it’s limited company cases, expat lending or more complex scenarios, we want to offer straightforward, good-value options that help brokers move things forward.”
