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IMPORTANT: The last day of the 2025 / 2026 tax year is Sunday 5 April.
Our online and postal ISA applications for this tax year will close from 5pm on Friday 27 March until the morning of Tuesday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.
| Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Cashback on Completion |
Repayment | Interest Only |
FTB | |
|---|---|---|---|---|---|---|---|---|---|---|
5.69% 2 Year Fixed Rate to 30/06/2028 (XF1242) |
Code XF1242 (Direct) | |||||||||
| More info | 30/06/2028 | 7.54% | 80% | £175* | £0~ | £500^ | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.74% Expat Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1255) |
Code XF1255 | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
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5.79% HMO Expat 2 Year Fixed Rate to 30/06/2028 (XF1254) |
Code XF1254 (EB) | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £125* | £0~ | £0 | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
6.04% Expat 2 Year Fixed Rate to 30/06/2028 (XF1253) |
Code XF1253 (EB) | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £125* | £0~ | £0 | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.74% HMO Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1250) |
Code XF1250 (EB) | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £125* | £0~ | £0 | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.99% Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1249) |
Code XF1249 (EB) | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £125* | £0~ | £0 | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.74% HMO 2 Year Fixed Rate to 30/06/2028 (XF1246) |
Code XF1246 (EB) | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £125* | £0~ | £0 | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.94% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ033) |
Code XFZ033 (EB) | |||||||||
| More info | 30/06/2031 | 7.54% | 50% | £125* | £0~ | £0 | No | Yes | No | |
|
More info
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Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.69% 2 Year Fixed Rate to 30/06/2028 (XF1243) |
Code XF1243 (EB) | |||||||||
| More info | 30/06/2028 | 7.54% | 80% | £125* | £0~ | £0 | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.69% 2 Year Fixed Rate to 30/06/2028 (XF1245) |
Code XF1245 (EB) | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £125* | £0~ | £0 | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.74% HMO Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1250) |
Code XF1250 | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
Additional criteria:
|
||||||||||
5.09% Expat 2 Year Fixed Rate to 30/06/2028 (XF1252) |
Code XF1252 | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £175* | 2.00%~ | £500^ | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.59% Expat 2 Year Fixed Rate to 30/06/2028 (XF1251) |
Code XF1251 | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1240) |
Code XF1240 (EB) | |||||||||
| More info | 30/06/2028 | 7.54% | 90% | £125* | £0~ | £0 | Yes | No | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.79% HMO Expat 2 Year Fixed Rate to 30/06/2028 (XF1254) |
Code XF1254 | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
Additional criteria:
|
||||||||||
5.54% Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1247) |
Code XF1247 | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £175* | 1.00%~ | £0^ | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
Additional criteria:
|
||||||||||
5.54% 2 Year Fixed Rate to 30/06/2028 (XF1244) |
Code XF1244 | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £175* | £999~ | £0^ | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.74% HMO 2 Year Fixed Rate to 30/06/2028 (XF1246) |
Code XF1246 | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £175* | £999~ | £0^ | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
Additional criteria:
|
||||||||||
5.94% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ033) |
Code XFZ033 | |||||||||
| More info | 30/06/2031 | 7.54% | 50% | £175* | £999~ | £500^ | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.09% Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1248) |
Code XF1248 | |||||||||
| More info | 30/06/2028 | 8.29% | 75% | £175* | 2.00%~ | £500^ | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
Additional criteria:
|
||||||||||
The mortgage will be secured on your home. Your home 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 | |||
|---|---|---|---|---|---|---|---|---|---|---|
5.69% 2 Year Fixed Rate to 30/06/2028 (XF1242) |
||||||||||
| 5.69% | 7.54% |
7.4% |
|
80% | £0~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.94% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ033) |
||||||||||
| 5.94% | 7.54% |
6.9% |
|
50% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.69% 2 Year Fixed Rate to 30/06/2028 (XF1243) |
||||||||||
| 5.69% | 7.54% |
7.2% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1240) |
||||||||||
| 5.24% | 7.54% |
7.2% |
|
90% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.94% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ033) |
||||||||||
| 5.94% | 7.54% |
7.0% |
|
50% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.59% Family Mortgage 5 Year Fixed Rate to 30/06/2031 (XF1241) |
||||||||||
| 5.59% | 7.54% |
7.0% |
|
100% | £0~ |
£250^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.09% 2 Year Fixed Rate to 30/06/2028 (XF1239) |
||||||||||
| 5.09% | 7.54% |
7.0% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.09% 2 Year Fixed Rate to 30/06/2028 (XF1239) |
||||||||||
| 5.09% | 7.54% |
6.6% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.69% 2 Year Fixed Rate to 30/06/2028 (XF1243) |
||||||||||
| 5.69% | 7.54% |
7.4% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1240) |
||||||||||
| 5.24% | 7.54% |
7.4% |
|
90% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.54% (2.00% discounted rate from follow on rate) for 3 years (XD0219) |
||||||||||
| 5.54% | 7.54% |
7.2% |
|
60% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.79% (1.75% discounted rate from follow on rate) for 3 years (XD0220) |
||||||||||
| 5.79% | 7.54% |
7.3% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.79% (1.75% discounted rate from follow on rate) for 3 years (XD0220) |
||||||||||
| 5.79% | 7.54% |
7.1% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.54% (2.00% discounted rate from follow on rate) for 3 years (XD0219) |
||||||||||
| 5.54% | 7.54% |
7.0% |
|
60% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215) |
||||||||||
| 5.69% | 7.54% |
7.5% |
|
60% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.94% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216) |
||||||||||
| 5.94% | 7.54% |
7.5% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217) |
||||||||||
| 5.79% | 7.54% |
7.4% |
|
60% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.04% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218) |
||||||||||
| 6.04% | 7.54% |
7.5% |
|
80% | £0~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.94% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216) |
||||||||||
| 5.94% | 7.54% |
7.6% |
|
80% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215) |
||||||||||
| 5.69% | 7.54% |
7.6% |
|
60% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
Comparing two mortgage products
Note that products are subject to additional terms and subject to change. See a product's full details to find out more.
Case study - A repayment mortgage even in retirement
Christine and her husband were looking for a repayment mortgage in their retirement but needed a long mortgage term
View full case studyOver 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.

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savings.service@familybsoc.co.uk
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mortgage.service@familybsoc.co.uk
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