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

5.74% Ltd Co 2 Year Fixed Rate to 30/06/2026 (XF0753)

Code XF0753
30/06/2026 9.19% 60% £175* 1.00%~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%
  • Fixed rate end date - 30/06/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 9.0% APRC
  • Additional information: The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

5.84% Expat 2 Year Fixed Rate to 30/06/2026 (XF0757)

Code XF0757
30/06/2026 9.19% 60% £175* 1.00%~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance 
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Legal fees - £100 minimum for further advances
  • 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 (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch)
  • ^Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 9.0% APRC

6.84% Offset Mortgage 2.35% Discounted Rate from follow on rate for 2 years (XO0069)

Code XO0069
2 years 9.19% 60% £175* £999~ £100^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application

· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount - 2.35% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 4.59% 
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for switch)
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property
· 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 (Further advance and Product Switch) - £0
· 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance and switch)
· ^Cashback - £100
· Early Repayment Charges - 2% in the first year and 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. £2,000 for further advance. No minimum for product switches
· Cost for comparison - 9.3% APRC
· Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account.

5.19% 5 Year Fixed Rate to 30/06/2029 (XF0747)

Code XF0747
30/06/2029 8.44% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage
  • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase/remortgage applications submitted from directly authorised brokers
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/06/2029
  • *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 - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028, 1% until 30/06/2029
  • 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 - 6.6% APRC

4.99% 5 Year Fixed Rate to 31/05/2029 (XF0751)

Code XF0751
31/05/2029 9.19% 60% £125* 0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further advance and product switch
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/05/2029
  • *Application Fee - £125 for further advance, £0 for switch
  • Valuation Fees (Further advance and Product Switch) - £0
  • Legal Fees - £100 minimum for further advances
  • Product Fee - £0
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC

4.69% 5 Year Fixed Rate to 30/06/2029 (XF0738)

Code XF0738
30/06/2029 8.44% 80% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, Remortgage, Product Switch and Further Advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/06/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028,1% until 30/06/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.6% APRC.

6.94% Expat 1.50% Discounted Rate from follow on rate for 2 years (XD0212)

Code XD0212
2 years 8.44% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Discount - 1.50% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 4.69%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.6% APRC
  • Additional criteria - We require a UK address for the serving of notice

6.09% 2 Year Fixed Rate to 30/06/2026 (XF0743)

Code XF0743
30/06/2026 8.44% 80% £125* £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.1% APRC

4.79% Family Mortgage 5 Year Fixed Rate to 30/06/2029 (XF0741)

Code XF0741
30/06/2029 8.44% 95% £175* £599~ £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Family Mortgage applications for purchase, product switch and further advance
  • LTV - Maximum 95%. For applications above 75% LTV additional security is required.  Additional offsetting feature is available.
  • Security options available - Security Account, Security Through Property, Offset Account
  • Fixed rate end date - 30/06/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Legal Fee - £100 minimum for further advances
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028, 1% until 30/06/2029
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase applications. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.3%
 

7.44% Expat 1.00% Discounted Rate from follow on rate for 2 years (XD0213)

Code XD0213
2 years 8.44% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Discount - 1.00% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 5.19%
  • LTV - Maximum 80%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. £125 for further advance. £0 for product switch
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.7% APRC
  • Additional criteria - We require a UK address for the serving of notice.

6.64% Offset Mortgage 1.90% Discounted Rate from follow on rate for 2 years (XO0066)

Code XO0066
2 years 8.54% 80% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction
  • Discount - 1.90% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 4.39%
  • LTV - Maximum 80%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance. £0 for product switch)
  • Valuation Fee - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.3% APRC
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset

5.24% 2 Year Fixed Rate to 30/06/2026 (XF0732)

Code XF0732
30/06/2026 8.44% 80% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 80%.
  • Fixed Rate end date - 30/06/2026
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee -  £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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. £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    ^Cashback
     - £500 cashback on completion for remortgage applications
  • Cost for comparison - 7.4% APRC

5.44% Expat 5 Year Fixed Rate to 31/05/2029 (XF0760)

Code XF0760 Direct
31/05/2029 9.19% 70% £175* 1.00%~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • 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. 
  • LTV - Maximum 70%
  • Fixed Rate end date - 31/05/2029
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Legal fees - £100 minimum for further advances
  • 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 (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch)
  • ~Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.2% APRC

5.89% Ltd Co 2 Year Fixed Rate to 30/06/2026 (XF0754)

Code XF0754
30/06/2026 9.19% 70% £175* 1.00%~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • LTV - Maximum 70%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee -  £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 9.0% APRC
  • Additional information: The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

5.49% 2 Year Fixed Rate to 30/06/2026 (XF0749)

Code XF0749
30/06/2026 9.19% 60% £125* 0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further advance and product switch
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee - £125 for further advance, £0 for switch
  • Valuation Fees (Further advance and Product Switch) - £0
  • Legal Fees -  £100 minimum for further advances
  • Product Fee - £0 
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.6% APRC

4.59% 5 Year Fixed Rate to 30/06/2029 (XF0737)

Code XF0737
30/06/2029 8.44% 60% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, Remortgage, Further Advance, Product Switch
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/06/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028, 1% until 30/06/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.5%

5.39% JBSP 2 Year Fixed Rate to 30/06/2026 (XF0734)

Code XF0734
30/06/2026 8.44% 80% £175* £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000.  (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC

5.44% Expat 5 Year Fixed Rate to 31/05/2029 (XF0760)

Code XF0760
31/05/2029 9.19% 70% £125* 0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat product switch and further advance
  • LTV - Maximum 70%
  • Fixed rate end date - 31/05/2029
  • *Application Fee - £125 for further advance, £0 for switch
  • Valuation Fees (Further advance and Product Switch) - £0
  • Legal fees - £100 minimum for further advances
  • Product Fee - £0
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC

5.14% 5 Year Fixed Rate to 31/05/2029 (XF0752)

Code XF0752
31/05/2029 9.19% 70% £175* £999 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, further advance and product switch
  • LTV - Maximum 70%
  • Fixed Rate end date - 31/05/2029
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch)
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.9% APRC

5.64% 2 Year Fixed Rate to 30/06/2026 (XF0750)

Code XF0750
30/06/2026 9.19% 70% £175* £999 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, further advance and product switch
  • LTV - Maximum 70%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.9% 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

5.14% 5 Year Fixed Rate to 31/05/2029 (XF0752)

5.14% 9.19% 7.9%APRC
  • Interest-Only
  • Repayment
70% £999

Some key features of this mortgage

  • Purpose - Purchase, remortgage, further advance and product switch
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 31/05/2029
  • Application fee - £175 + Valuation Fee for purchase, remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch)
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.9% APRC

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

5.64% 2 Year Fixed Rate to 30/06/2026 (XF0750)

5.64% 9.19% 8.9%APRC
  • Interest-Only
  • Repayment
70% £999

Some key features of this mortgage

  • Purpose - Purchase, remortgage, further advance and product switch
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 30/06/2026
  • Application fee - £175 + Valuation Fee for purchase, remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.9% APRC

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

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.

More about who we areView 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.