Buckinghamshire Building Society has expanded its Credit Revive range with new products aimed at borrowers with historic credit issues, extending support to buy-to-let landlords and those borrowing into later life.

The mutual has introduced three additions to the range, including two buy-to-let options and a retirement product, each designed to help applicants whose circumstances have stabilised following earlier credit challenges.

The new products include a buy-to-let Credit Revive five-year fixed at 5.69% until 31 May 2028, available up to 75% loan-to-value, alongside a limited company buy-to-let Credit Revive five-year fixed at 5.89% to the same end date, also up to 75% loan-to-value and available to SPVs only.

A Retirement Credit Revive product has also been launched, offering a fixed rate of 5.79% until 31 May 2031, up to 70% loan-to-value.

Credit Revive was previously limited to residential purchase and remortgage cases. The range is designed for borrowers with a history of arrears, missed payments or CCJs, where affordability is now strong and circumstances have improved.

All cases are manually underwritten to allow a full assessment of each applicant’s position.

Claire Askham (pictured), head of mortgage sales at Buckinghamshire Building Society, said: “We know that brokers are working with more clients who have strong current affordability but still carry the legacy of past credit issues.

“This is about recognising recovery and making sure people aren’t shut out of the market because of a historic blip.

“Whether it’s a landlord rebuilding after a challenging few years or someone in later life looking for a fresh start, these products are about practical lending solutions that reflect where people are today, not where they’ve been previously. That’s what Credit Revive is designed to do.”