Notices

  • Online Service update - Due to essential maintenance, our Online Service will be unavailable from 8:30pm - 9:30pm this evening (Thursday 10 September). We apologise for any inconvenience this may cause.

  • Our new 1 Year Fixed Rate Bond (71) pays 4.88% Gross AER on balances of £10,000+. Apply online today.

  • Our Online Saver (12), pays 4.15% Gross AER on balances of £100+. Apply online today.

  • Due to significant increases in swap rates, we've temporarily withdrawn all of our fixed rate mortgage products from sale today, 4 September 2026, with immediate effect. For more information about swap rates and how they can affect mortgage pricing, see our A-Z Mortgage jargon buster.

    We recognise the importance of fixed rate options and are working to introduce a new range of fixed rate mortgage products as soon as it is possible.

Sort products by:
Initial
Rate		 Initial
Rate Ends		 Follow On
Rate		 Max.
LTV		 Application
Fee		 Product
Fee		 Cashback on
Completion		 Repayment
or Interest-Only?		 FTB

5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)

 Code XD0232
2 years 7.54% 80% £175* £999~ £500^ Repayment No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Discount - 2.35% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.44%
  • Loan to Value - Maximum 80%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.8% APRC.

5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)

 Code XD0233
2 years 7.54% 80% £175* £999~ £500^ Repayment No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 2.25% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.54%
  • Loan to Value - Maximum 80%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ~Product Fee - £999 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.2% APRC.

5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)

 Code XD0235
2 years 7.54% 80% £175* £599~ £500^ Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.94%
  • Loan to Value - Maximum 80%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ~Product Fee - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.5% APRC.

5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)

 Code XD0234
2 years 7.54% 80% £175* £999~ £500^ Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Discount - 2.00% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.79%
  • Loan to Value - Maximum 80%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.3% APRC.

5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)

 Code XD0236
2 years 7.54% 80% £175* £999~ £500^ Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Expat applications for Purchase and Remortgage
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.04%
  • Loan to Value - Maximum 80%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £100,000 for Purchase and Remortgage
  • Cost for comparison - 7.3% APRC.

5.54% 2 Year Tracker Rate (1.79% above the BOE Bank Rate) (XT0016)

 Code XT0016
2 years 7.54% 80% £175* £999~ £500^ Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Difference from Bank Rate - 1.79% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.79%
  • Loan to Value - Maximum 80%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.3% APRC.

5.34% 2 Year Tracker Rate (1.59% above the BOE Bank Rate) (XT0018)

 Code XT0018
2 years 8.29% 75% £175* 1.00%~ £0^ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Difference from Bank Rate - 1.59% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.59%
  • Loan to Value - Maximum 75%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.0% APRC.

5.39% 2 Year Tracker Rate Ltd Co (1.64% above the BOE Bank Rate) (XT0020)

 Code XT0020
2 years 8.29% 75% £175* 1.00%~ £0^ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Difference from Bank Rate - 1.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.64%
  • Loan to Value - Maximum 75%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.1% APRC.

5.39% 2 Year Tracker Rate Expat (1.64% above the BOE Bank Rate) (XT0022)

 Code XT0022
2 years 8.29% 75% £175* 1.00%~ £0^ Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Expat applications for Purchase and Remortgage
  • Difference from Bank Rate - 1.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.64%
  • Loan to Value - Maximum 75%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.1% APRC.

5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)

 Code XD0233 (EB)
2 years 7.54% 80% £125* £0~ £0 Repayment No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Discount - 2.25% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.54%
  • Loan to Value - 80%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 7.2% APRC.

5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)

 Code XD0232 (EB)
2 years 7.54% 80% £125* £0~ £0 Repayment No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.35% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.44%
  • Loan to Value - 80%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 6.8% APRC.

5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)

 Code XD0235 (EB)
2 years 7.54% 80% £125* £0~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.94%
  • Loan to Value - 80%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 7.5% APRC.

5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)

 Code XD0234 (EB)
2 years 7.54% 80% £125* £0~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.00% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.79%
  • Loan to Value - 80%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 7.3% APRC.

5.49% (2.80% discounted rate from follow on rate) for 2 years (XD0237)

 Code XD0237 (EB)
2 years 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.80% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.74%
  • Loan to Value - 75%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 8.0% APRC.

5.84% Ltd Co (2.45% discounted rate from follow on rate) for 2 years (XD0238)

 Code XD0238 (EB)
2 years 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 75%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 8.2% APRC.

5.84% Expat (2.45% discounted rate from follow on rate) for 2 years (XD0239)

 Code XD0239 (EB)
2 years 8.29% 75% £125* £0~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Expat applications for Product Switch and Further Advance
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 75%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 8.2% APRC.

5.39% 2 Year Tracker Rate (1.64% above the BOE Bank Rate) (XT0017)

 Code XT0017 (Direct)
2 years 7.54% 60% £175* £999~ £500^ Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 1.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.64%
  • Loan to Value - Maximum 60%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.2% APRC.

4.39% 2 Year Tracker Rate (0.64% above the BOE Bank Rate) (XT0019)

 Code XT0019 (Direct)
2 years 8.29% 75% £175* 3.00%~ £500^ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.64%
  • Loan to Value - Maximum 75%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.7% APRC.

4.44% 2 Year Tracker Rate Expat (0.69% above the BOE Bank Rate) (XT0023)

 Code XT0023 (Direct)
2 years 8.29% 75% £175* 3.00%~ £500^ Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.69% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.69%
  • Loan to Value - Maximum 75%
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.9% APRC.

5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)

 Code XD0236 (EB-)
2 years 7.54% 80% £0* £0~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Expat applications for Product Switch
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.04%
  • Loan to Value - 80%
  • *Application Fee - £0 for Product Switches
  • Legal Fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • ^Cashback - £0
  • Cost for comparison - 7.3% APRC.

The mortgage will be secured on your property.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits 		Next steps

5.34% 2 Year Tracker Rate (1.59% above the BOE Bank Rate) (XT0018)
5.34% 8.29% 8.0%APRC
  • Interest-Only
  • Repayment
 75% 1.00%~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Difference from Bank Rate - 1.59% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.59%
  • Loan to Value - Maximum 75%
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.0% APRC.
  • Additional criteria -

See full details for fee details, documents you'll need, and more.

Take the next step:

See full details See what I could borrow
Ask us to call you back

4.39% 2 Year Tracker Rate (0.64% above the BOE Bank Rate) (XT0019)
4.39% 8.29% 7.7%APRC
  • Interest-Only
  • Repayment
 75% 3.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.64%
  • Loan to Value - Maximum 75%
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • ~Product Fee - 3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.7% APRC.
  • Additional criteria -

See full details for fee details, documents you'll need, and more.

Take the next step:

See full details See what I could borrow
Ask us to call you back

Comparing two mortgage products

Mortage icon - House Mortgage icon - House
Product DYNAMIC DYNAMIC
Initial interest rate DYNAMIC DYNAMIC
Current follow on rate DYNAMIC DYNAMIC
Overall cost for comparison DYNAMIC DYNAMIC
Repayment or Interest-Only? DYNAMIC DYNAMIC
Max % loan to value (LTV) DYNAMIC DYNAMIC
Product fees DYNAMIC DYNAMIC
Additional benefits DYNAMIC DYNAMIC

Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

Over 125 years of helping people move in

For a long time we've been trusted to lend to a wide variety of people with a more small scale, personal approach as shown in our awards.

Award image multi award winning including 7 awards in 2025

More about who we are View our awards

Contact our expert UK team

New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

newbusiness@familybsoc.co.uk

Existing customers

Savings - 03330 140144
savings.service@familybsoc.co.uk

Mortgages - 03330 140146
mortgage.service@familybsoc.co.uk

... or ask the way that suits you.

Request a call back

We can call you back at a time that suits you.

Visit us in branch

Ashley Square, Epsom, Surrey, KT18 5DD.

View our FAQs

Your questions might be answered here.

See full contact details