Three-year fixed mortgages introduced by Buckinghamshire BS

May 8, 2026 by Brendan O'Neill

Lenders

Buckinghamshire Building Society has announced the introduction of a new product slate made up of three-year fixed loans.

This slate features two everyday residential mortgages, aimed at those buying for the first time and home movers. The first-time buyer product has a fixed rate of 5.99%, a maximum loan-to-value (LTV) of 95%, and comes without a product fee. The residential loan aimed at people moving house also has a rate of 5.99%, and a maximum LTV of 95%, but there is a £999 fee for the product.

Those are not the only products included within the slate though. There is one targeted at retirees, which has a fixed rate of 6.05%. The top LTV for it is 75%, while the fee is once again £999. The final product is retirement interest only (RIO). This comes with a 6.05% rate too, but top LTV of 60% and there is a lower £499 fee.

Buckinghamshire BS is stating that it has seen a gap in the market. It points out that the typical fixed period is either five or two years.

Claire Askham is mortgage sales head at the building society. She told Mortgage Strategy it was something advisors had called for.

She added:

“While two-year and five-year fixed products remain popular, many clients are looking for something in between – a product that offers payment security for longer than two years, without the commitment of fixing for five.”

Those with the CeMAP mortgage advisor qualification will welcome more fixed rate choice at a time when mortgage rates are very volatile.