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Buckinghamshire Building Society Equity Release Review (2025): A Critical Look

Buckinghamshire Building Society does not offer equity release, instead providing a range of savings and mortgage solutions tailored for those seeking secure financial alternatives.
Buckinghamshire Building Society Equity Release
What Is Buckinghamshire Building Society's Equity Release Review? Learn About the Pros, Cons, Interest Rates and Schemes. We Answer All Your Burning Questions Right Here...
This article contains tops tips from our experts, backed by in-depth research.
Katherine Read
Written by Katherine Read
Bert Hofhuis
Edited by Bert Hofhuis
Paul Sawyer
Reviewed by Paul Sawyer

Contributors:

Francis Hui
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Key Takeaways
  • Buckinghamshire Building Society does not offer equity release products; consider exploring their range of savings accounts for financial planning.
  • To meet your retirement financial needs, research into personal pensions or annuities as alternatives to equity release, offered by other providers.
  • Investigate into ISA investments for a tax-efficient savings option, which Buckinghamshire Building Society might offer, unlike equity release.
  • Look into downsizing your property as a practical alternative to releasing equity, leveraging the value of your current home.
  • Consult a financial advisor to explore other lending options or financial products tailored to over 55s that suit your needs, since equity release is not provided by Buckinghamshire Building Society.

Are Buckinghamshire Building Society's equity release alternatives the best option for you?

While £4.8bn was released in equity in 20211, it is still important to explore all your options when it comes to making financial decisions.

Fortunately, we have compiled all the research onto one platform.

In This Article, You Will Discover:

    At SovereignBoss, our research team has spent countless hours reviewing equity release information and exploring all the alternatives.

    Does Buckinghamshire Building Society provide the ideal alternative to equity release for you and your family?

    Learn more now.

    NOTE: SovereignBoss is an impartial and unconnected third-party information provider via this website, and the details provided in this commentary represent the opinions of SovereignBoss only and may not reflect the views or opinions of Buckinghamshire Building Society. This article must not be interpreted as advice, nor is it a solicitation to conduct transactions in any financial product provided by Buckinghamshire Building Society.

    Who Are Buckinghamshire Building Society?

    The Buckinghamshire Building Society was founded in 19072 in Chalfont St Giles by a group of local businessmen and was originally known as the Chalfont and District Permanent Building Society.

    It was renamed the Buckinghamshire Building Society in 1961.

    Does the Buckinghamshire Building Society Have an Equity Release Calculator?

    The Buckinghamshire Building Society does not have an equity release calculator.

    If you are looking for an equity release calculator, try the one below and discover how much you could release from your home?

    Learn More: The Importance of Using an Equity Release Calculator

    Why Consider Buckinghamshire Building Society?

    You might consider Buckinghamshire Building Society because it offers uncomplicated savings accounts and tailor-made mortgages that are available for its members across England and Wales.

    Since its inception in 1907, its goal has been to help members unlock their unique savings ambitions and to secure mortgage solutions that are right for them.3

    Customer Reviews

    Read the customer reviews on the below sites to see what people really think of Buckinghamshire Building Society.

    How Did We Review the Info on Buckinghamshire Building Society?

    We reviewed the info on Buckinghamshire Building Society by gathering all the latest data available on the society.

    Our article on Buckinghamshire Building Society is independent, and we are not affiliated with the organisation.

    Customer Complaints

    If you are dissatisfied with Buckinghamshire Building Society and want to make a complaint, the best place to do so is on its website.

    Call: 01494 879500 
    Email: mortgages@bucksbs.co.uk 

    It is concerned about its clients and will direct you to the appropriate department.

    An alternative option is to provide an assessment on a review site like Trustpilot or Feefo.

    What Are the Advantages and Disadvantages of Using Buckinghamshire Building Society?

    The pros and cons of Buckinghamshire Building Society include that pension income is accepted as proof of income, but affordability checks are required.

    Pros

    The pros of Buckinghamshire Building Society include:

    Cons

    The cons of Buckinghamshire Building Society include:

    • Early completion charges apply.
    • No option for fixed interest rates.
    • High product fees.
    • Valuation fees.
    • Affordability checks required.

    Buckinghamshire Building Society's Alternatives to Equity Release and Lifetime Mortgages

    Buckinghamshire Building Society's alternatives to equity release include a retirement mortgage and a retirement interest-only (RIO) mortgage.

    Let us take a closer look at these two options.

    3,84% Retirement 3-Year Discount Mortgage

    The 3,84% retirement mortgage reverts to a 5.97% to 6.28% SVR after the initial term*.

    Here are some more features:

    • 75% LTV including fees or up to 70% LTV if you are already retired.
    • No maximum age limit.
    • Available to those that are self-employed.
    • Pension income is accepted.

    3,84% Retirement Interest-Only 5-Year Discount Mortgage

    The 3,84% retirement interest-only (RIO) mortgage reverts to a 5.97% to 6.28% SVR after the initial term*.

    Here are some more features:

    • Discount rate collared at 3,05%.
    • 60% LTV including fees.
    • No ERC charges.

    *While we regularly review our rates, these may have shifted since our last update.

    Equity Release Interest Rates and Schemes Compared

    Are you looking for a specific equity release scheme?

    Interest rates currently range from 5.97% to 6.28%* AER.

    View the current rates here.

    Have a look at all the equity release schemes available on the market.

    *While we regularly review our rates, these may have shifted since our last update.

    What Are Buckinghamshire Building Society's Fees?

    Buckinghamshire Building Society's fees may include a product fee of £9994 and valuation fees based on the value of your property.

    Learn More About Buckinghamshire Building Society

    Buckinghamshire Building Society is a Mutual Society that is owned by its members and is based in the small village of Chalfont St Giles.

    Because there are no stockholders to pay, the Society, like other mutual societies, focuses on providing conventional service and value to existing and prospective members.

    The Chalfont and District Permanent Building Society was founded in 1907 by a group of local businessmen, and it was renamed the Buckinghamshire Building Society in 1961.

    Buckinghamshire Building Society’s services have not altered much since 1907; it still offers a variety of straightforward savings accounts as well as “tailor-made” mortgage options to meet the specific demands of its customers.

    Regulatory Details

    Trading Names

    Buckinghamshire Building Society

    FCA Permitted Services

    • Banking
    • Mortgages and Home Finance
    • Investments
    • Other Services

    Regulators

    • Financial Conduct Authority (FCA)5
    • Prudential Regulation Authority (PRA)6

    Registration Numbers

    • FCA Ref Number: 206022
    • Mutuals Reg Number: 91B

    FCA and Mutuals Links

    Buckinghamshire Building Society Contact Number and Address

    • +44 149 487 9500
    • mortgages@bucksbs.co.uk
    • High St, Chalfont St Giles, Chalfont Saint Giles HP8 4QB, United Kingdom.

    Common Questions

    Is Buckinghamshire Building Society Involved With Equity Release Products?

    What Interest Rates Does Buckinghamshire Building Society Offer?

    How Do Customers Feel About Buckinghamshire Building Society's Services?

    Does Buckinghamshire Building Society Provide Good Value in Their Financial Products?

    What Are the Advantages and Disadvantages of Buckinghamshire Building Society's Services?

    What Do Reviews Indicate About Buckinghamshire Building Society?

    Can You Rely on Buckinghamshire Building Society for Financial Products?

    Conclusion

    Buckinghamshire building society has some fantastic solutions you could consider for later-life lending.

    The first step is to speak to an independent financial advisor to discuss taking out a mortgage or releasing equity from your home.

    The features mentioned and the amounts raised, are subject to the lender’s criteria, terms and conditions. These may take into account the age, health and lifestyle factors in order to provide an enhanced amount. To understand the features and risks, ask for a personalised illustration.

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