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Completion		 Repayment
or Interest-Only?		 FTB

6.59% HMO 5 Year Fixed Rate to 30/11/2031 (XF1377)

 Code XF1377
30/11/2031 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 - HMO applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 30/11/2031
  • *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 30/11/2027, 4% until 30/11/2028, 3% until 30/11/2029, 2% until 30/11/2030, 1% until 30/11/2031
  • 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 - 8.0% APRC
  • Additional criteria -
  • HMO Specific Criteria - Available for properties with up to six lettable bedrooms and a maximum of six occupants. For student lets, the property must be located in one of our nine approved areas. Not available for care homes.

6.44% HMO 2 Year Fixed Rate to 31/01/2029 (XF1376)

 Code XF1376
31/01/2029 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 - HMO applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/01/2029
  • *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 31/01/2028, 1% until 31/01/2029
  • 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 - 8.4% APRC
  • Additional criteria -
  • HMO Specific Criteria - Available for properties with up to six lettable bedrooms and a maximum of six occupants. For student lets, the property must be located in one of our nine approved areas. Not available for care homes.

6.39% 5 Year Fixed Rate to 30/11/2031 (XF1374)

 Code XF1374
30/11/2031 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
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 30/11/2031
  • *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 30/11/2027, 4% until 30/11/2028, 3% until 30/11/2029, 2% until 30/11/2030, 1% until 30/11/2031
  • 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 - 7.9% APRC
  • Additional criteria - None.

5.79% 2 Year Fixed Rate to 31/01/2029 (XF1372)

 Code XF1372
31/01/2029 8.29% 75% £175* 2.00%~ £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
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/01/2029
  • *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 31/01/2028, 1% until 31/01/2029
  • 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 - 8.3% APRC
  • Additional criteria - None.

6.24% 2 Year Fixed Rate to 31/01/2029 (XF1371)

 Code XF1371
31/01/2029 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
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/01/2029
  • *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 31/01/2028, 1% until 31/01/2029
  • 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 - 8.3% APRC
  • Additional criteria - None.

6.64% 5 Year Fixed Rate to 31/01/2032 (XF1370)

 Code XF1370
31/01/2032 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
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2032
  • *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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • 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
  • Additional criteria - None.

6.59% RIO 5 Year Fixed Rate to 31/01/2032 (XFZ037)

 Code XFZ037
31/01/2032 7.54% 50% £175* £999~ £500^ Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply
  • Purpose - Retirement Interest-Only applications for Purchase and Remortgage.
  • Loan to Value - Maximum 50%
  • Fixed Rate end date - 31/01/2032
  • *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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • 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 - 7.5% APRC
  • Additional criteria - None.

6.74% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1368)

 Code XF1368
31/01/2029 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
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2029
  • *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 - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/01/2028, 1% until 31/01/2029
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.7% APRC
  • Additional criteria - None.

6.49% 5 Year Fixed Rate to 31/01/2032 (XF1369)

 Code XF1369
31/01/2032 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
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2032
  • *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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • 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
  • Additional criteria - None.

6.49% 2 Year Fixed Rate to 31/01/2029 (XF1365)

 Code XF1365
31/01/2029 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
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2029
  • *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 - 2% until 31/01/2028, 1% until 31/01/2029
  • 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 - 7.7% APRC
  • Additional criteria - None.

6.64% 2 Year Fixed Rate to 31/01/2029 (XF1367)

 Code XF1367
31/01/2029 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
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2029
  • *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 - 2% until 31/01/2028, 1% until 31/01/2029
  • 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 - 7.7% APRC
  • Additional criteria - None.

6.34% JBSP 5 Year Fixed Rate to 31/01/2032 (XF1363)

 Code XF1363
31/01/2032 7.54% 90% £0* £599~ £500^ Repayment Yes  
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
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/01/2032
  • *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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.3% APRC
  • Additional criteria - None.

6.39% Family Mortgage 5 Year Fixed Rate to 31/01/2032 (XF1364)

 Code XF1364
31/01/2032 7.54% 100% £175* £0~ £250^ Repayment Yes  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Family Mortgage DIP Request
  • 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 - 31/01/2032
  • *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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • Maximum Loan - £750,000
  • Minimum Loan - £96,000
  • Cost for comparison - 7.3% APRC
  • Additional criteria - None.

6.24% JBSP 5 Year Fixed Rate to 31/01/2032 (XF1362)

 Code XF1362
31/01/2032 7.54% 80% £0* £599~ £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
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2032
  • *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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • 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
  • Additional criteria - None.

6.19% 5 Year Fixed Rate to 31/01/2032 (XF1361)

 Code XF1361
31/01/2032 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
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2032
  • *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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • 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 - 7.0% APRC
  • Additional criteria - None.

6.09% 5 Year Fixed Rate to 31/01/2032 (XF1360)

 Code XF1360
31/01/2032 7.54% 60% £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
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2032
  • *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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • 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
  • Additional criteria - None.

6.24% 2 Year Fixed Rate to 31/01/2029 (XF1357)

 Code XF1357
31/01/2029 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
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2029
  • *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 - 2% until 31/01/2028, 1% until 31/01/2029
  • 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 - 7.5% APRC
  • Additional criteria - None.

6.29% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1358)

 Code XF1358
31/01/2029 7.54% 80% £0* £599~ £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
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2029
  • *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 31/01/2028, 1% until 31/01/2029
  • 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 - 7.6% APRC
  • Additional criteria - None.

6.39% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1359)

 Code XF1359
31/01/2029 7.54% 90% £0* £599~ £500^ Repayment Yes  
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
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/01/2029
  • *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 31/01/2028, 1% until 31/01/2029
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC
  • Additional criteria - None.

6.49% 2 Year Fixed Rate to 31/01/2029 (XF1365)

 Code XF1365 (EB)
31/01/2029 7.54% 60% £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
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2029
  • *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% until 31/01/2028, 1% until 31/01/2029
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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

6.29% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1358)
6.29% 7.54% 7.6%APRC
  • Repayment
 80% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2029
  • 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 31/01/2028, 1% until 31/01/2029
  • 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 - 7.6% APRC
  • Additional criteria - None.

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

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6.24% 2 Year Fixed Rate to 31/01/2029 (XF1357)
6.24% 7.54% 7.5%APRC
  • Repayment
 80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2029
  • 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 - 2% until 31/01/2028, 1% until 31/01/2029
  • 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 - 7.5% APRC
  • Additional criteria - None.

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

Take the next step:

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6.64% 2 Year Fixed Rate to 31/01/2029 (XF1367)
6.64% 7.54% 7.6%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2029
  • 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% until 31/01/2028, 1% until 31/01/2029
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

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

Take the next step:

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6.49% 2 Year Fixed Rate to 31/01/2029 (XF1365)
6.49% 7.54% 7.5%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2029
  • 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% until 31/01/2028, 1% until 31/01/2029
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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6.14% 2 Year Fixed Rate to 31/01/2029 (XF1356)
6.14% 7.54% 7.5%APRC
  • Repayment
 60% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2029
  • 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 - 2% until 31/01/2028, 1% until 31/01/2029
  • 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 - 7.5% APRC
  • Additional criteria - None.

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6.74% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1368)
6.74% 7.54% 7.7%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2029
  • 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% until 31/01/2028, 1% until 31/01/2029
  • 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
  • Cost for comparison - 7.7% APRC.

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6.64% 5 Year Fixed Rate to 31/01/2032 (XF1370)
6.64% 7.54% 7.3%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2032
  • 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 - 5% until 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

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6.49% 5 Year Fixed Rate to 31/01/2032 (XF1369)
6.49% 7.54% 7.2%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2032
  • 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 - 5% until 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

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6.59% RIO 5 Year Fixed Rate to 31/01/2032 (XFZ037)
6.59% 7.54% 7.3%APRC
  • Interest-Only
 50% £0~

Some key features of this mortgage

  • Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance
  • Loan to Value - 50%
  • Fixed Rate end date - 31/01/2032
  • 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 - 5% until 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

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5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)
5.19% 7.54% 7.2%APRC
  • Repayment
 80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • 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 - 7.2% APRC
  • Additional criteria - None.

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5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)
5.29% 7.54% 7.5%APRC
  • Repayment
 80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • 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 - 7.5% APRC
  • Additional criteria - None.

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5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)
5.54% 7.54% 7.5%APRC
  • Interest-Only
 80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • 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 - 7.5% APRC
  • Additional criteria - None.

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

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5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)
5.69% 7.54% 7.6%APRC
  • Interest-Only
 80% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • 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 - 7.6% APRC
  • Additional criteria - None.

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

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5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)
5.79% 7.54% 7.4%APRC
  • Interest-Only
 80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • 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 - 7.4% APRC
  • Additional criteria - None.

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5.54% 2 Year Tracker Rate (1.79% above the BOE Bank Rate) (XT0016)
5.54% 7.54% 7.5%APRC
  • Interest-Only
 80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • 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 - 7.5% APRC
  • Additional criteria - None.

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

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5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)
5.19% 7.54% 6.9%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • 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
  • Cost for comparison - 6.9% APRC.

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

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5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)
5.29% 7.54% 7.2%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • 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
  • Cost for comparison - 7.2% APRC.

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

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5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)
5.69% 7.54% 7.5%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • 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
  • Cost for comparison - 7.5% APRC.

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

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5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)
5.54% 7.54% 7.3%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • 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
  • Cost for comparison - 7.3% APRC.

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

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5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)
5.79% 7.54% 7.3%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • 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.
  • Cost for comparison - 7.3% APRC.

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

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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.

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 study

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.

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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

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