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Only		 FTB

5.34% (2.20% discounted rate from follow on rate) for 2 years (XD0224)

 Code XD0224 (EB)
2 years 7.54% 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 - Further Advance and Product Switch applications
  • Discount - 2.20% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.59%
  • 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 - 7.2% APRC.

5.54% 2 Year Fixed Rate to 31/10/2028 (XF1315)

 Code XF1315
31/10/2028 7.54% 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 and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2028
  • *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% until 31/10/2027, 1% until 31/10/2028
  • 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.

5.64% 2 Year Fixed Rate to 31/10/2028 (XF1316)

 Code XF1316
31/10/2028 7.54% 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 - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2028
  • *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% until 31/10/2027, 1% until 31/10/2028
  • 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 - 6.9% APRC.

5.69% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1317)

 Code XF1317
31/10/2028 7.54% 80% £0* £599~ £500^ Yes No No  
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 and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £0
  • 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. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - £1,000,000. 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.

5.79% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1318)

 Code XF1318
31/10/2028 7.54% 90% £0* £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 and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £0
  • 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% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.3% APRC.

5.64% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1321)

 Code XF1321
31/10/2031 7.54% 80% £0* £599~ £500^ Yes No No  
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 and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2031
  • *Application Fee - £0
  • 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. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - £1,000,000. 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 - 6.5% APRC.

5.49% 5 Year Fixed Rate to 31/10/2031 (XF1319)

 Code XF1319
31/10/2031 7.54% 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 and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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 - 5.9% APRC.

5.59% 5 Year Fixed Rate to 31/10/2031 (XF1320)

 Code XF1320
31/10/2031 7.54% 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 - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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 - 6.0% APRC.

5.74% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1322)

 Code XF1322
31/10/2031 7.54% 90% £0* £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 and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/10/2031
  • *Application Fee - £0
  • 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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.6% APRC.

5.79% Family Mortgage 5 Year Fixed Rate to 31/10/2031 (XF1323)

 Code XF1323
31/10/2031 7.54% 100% £175* £0~ £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 purchase applications
  • Loan to Value - Maximum 100% (Additional security required). Minimum 80%
  • Security options available - Security through savings (in our Family Security Account), or security through property. The total of all security provided, plus any deposit, must be equal to 20% of the value of the property being purchased.
  • Fixed Rate end date - 31/10/2031
  • *Application Fee - None
  • 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 - None
  • ^Cashback - £250
  • Early Repayment Charges - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - £750,000
  • Minimum Loan - £96,000
  • Cost for comparison - 7.1% APRC.

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

 Code XD0232
2 years 7.54% 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 - 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.

5.89% 2 Year Fixed Rate to 31/10/2028 (XF1324)

 Code XF1324
31/10/2028 7.54% 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 and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2028
  • *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% until 31/10/2027, 1% until 31/10/2028
  • 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.

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

 Code XD0233
2 years 7.54% 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 - 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.

6.04% 2 Year Fixed Rate to 31/10/2028 (XF1326)

 Code XF1326
31/10/2028 7.54% 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 - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2028
  • *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% until 31/10/2027, 1% until 31/10/2028
  • 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 - 7.4% APRC.

6.04% 5 Year Fixed Rate to 31/10/2031 (XF1329)

 Code XF1329
31/10/2031 7.54% 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 - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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.

6.14% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1327)

 Code XF1327
31/10/2028 7.54% 80% £175* £599~ £500^ No Yes No  
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 and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2028
  • *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% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.5% APRC.

5.89% 5 Year Fixed Rate to 31/10/2031 (XF1328)

 Code XF1328
31/10/2031 7.54% 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 and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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.

5.99% RIO 5 Year Fixed Rate to 31/10/2031 (XFZ036)

 Code XFZ036
31/10/2031 7.54% 50% £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 - Retirement Interest-Only applications for Purchase and Remortgage.
  • Loan to Value - Maximum 50%
  • Fixed Rate end date - 31/10/2031
  • *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 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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.

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

 Code XD0234
2 years 7.54% 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 - 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.

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

 Code XD0235
2 years 7.54% 80% £175* £599~ £500^ No Yes No  
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 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.

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

5.19% 2 Year Fixed Rate to 31/10/2028 (XF1331)
5.19% 8.29% 7.8%APRC
  • Interest-Only
  • Repayment
 75% 2.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/10/2028
  • 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 - 2% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • 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 - 7.8% APRC.

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5.84% HMO 2 Year Fixed Rate to 31/10/2028 (XF1335)
5.84% 8.29% 8.0%APRC
  • Interest-Only
  • Repayment
 75% 1.00%~

Some key features of this mortgage

  • Purpose - HMO applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/10/2028
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • 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.

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

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5.79% 5 Year Fixed Rate to 30/09/2031 (XF1333)
5.79% 8.29% 7.2%APRC
  • Interest-Only
  • Repayment
 75% 1.00%~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 30/09/2031
  • 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 - 5% until 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • 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.

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

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5.64% 2 Year Fixed Rate to 31/10/2028 (XF1330)
5.64% 8.29% 7.9%APRC
  • Interest-Only
  • Repayment
 75% 1.00%~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/10/2028
  • 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% until 31/10/2027, 1% until 31/10/2028
  • 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.

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5.99% HMO 5 Year Fixed Rate to 30/09/2031 (XF1336)
5.99% 8.29% 7.4%APRC
  • Interest-Only
  • Repayment
 75% 1.00%~

Some key features of this mortgage

  • Purpose - HMO applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 30/09/2031
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 5% until 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • 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 - 7.4% APRC.

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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 -

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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 -

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Comparing two mortgage products

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

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Savings - 03330 140141

Mortgages - 03330 140140

newbusiness@familybsoc.co.uk

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

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

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