Buckinghamshire Building Society’s empowered underwriters take a common sense approach to lending by assessing each client’s situation holistically. Meaning that they can say yes more often.

This can include complex incomes, diverse circumstances or credit issues to purchase or remortgage their home. 

All mortgage enquiries and applications received are individually assessed simply using a credit search, instead of a credit score. This method looks at cases on an individual basis so picks up any anomalies in credit scores. This is primarily done manually by human (rather than computer) underwriters, giving a more flexible and bespoke approach and giving those individuals with unusual circumstances or a lower credit score the opportunity to explain the situation to someone who will listen and find the right mortgage for them.