Buckinghamshire Expands Credit Revive with New Buy-to-Let Options

Bassyonni

Published: February 6, 2026 5:41 AM ET

Buckinghamshire Expands Credit Revive with New Buy-to-Let Options

Buckinghamshire Building Society has broadened its Credit Revive range to now include buy-to-let options. This move is designed to assist borrowers with previous credit difficulties, encompassing both landlords and retirees.

Overview of Expanded Credit Revive Range

With the introduction of three new products, this marks a significant expansion for the Credit Revive line. For the first time, options are available for buy-to-let and later life borrowers.

Key Products Introduced

Buy-to-Let Credit Revive Fixed: 5.69% fixed rate until 31/05/2028, with up to 75% Loan-to-Value (LTV).
Buy-to-Let Credit Revive Ltd Company Fixed: 5.89% fixed rate until 31/05/2028, for Special Purpose Vehicles (SPVs) only, with up to 75% LTV.
Retirement Credit Revive Fixed: 5.79% fixed rate until 31/05/2031, with up to 70% LTV.

Target Audience

The new offerings cater to individuals with credit histories that may include past issues, such as arrears, missed payments, or County Court Judgments (CCJs). However, applicants must demonstrate improved financial circumstances to qualify.

Manual Underwriting Approach

All applications will utilize a manual underwriting process. This approach enables lenders to assess the unique situations of borrowers, rather than relying solely on automated credit scoring systems.

Importance of the Expansion

Claire Askham, head of mortgage sales at Buckinghamshire Building Society, highlighted the need for such products. She acknowledged a growing demand from brokers for tailored solutions for clients facing complicated financial histories while proving they can afford repayments.

“This initiative acknowledges recovery,” stated Askham. “We aim to ensure that borrowers aren’t excluded from the market because of past financial challenges.”

Conclusion

The introduction of new buy-to-let and retirement options in the expanded Credit Revive range reflects Buckinghamshire’s commitment to inclusivity. By providing practical lending solutions, the society enhances access for borrowers while maintaining responsible affordability assessments. This initiative assists individuals in overcoming their financial histories, offering crucial support in today’s economic landscape.