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Rate		 Initial
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Rate		 Max.
LTV		 Application
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Completion		 Repayment Interest
Only		 FTB

4.99% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0898)

 Code XF0898
31/01/2030 8.94% 60% ££0 1.00%~ £500^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2030
  • 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 - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • Maximum Loan - £600,000 for purchase and remortgage
  • Minimum Loan - £100,000 for purchase and remortgage
  • Cost for comparison - 7.5% APRC.

4.89% 5 Year Fixed Rate to 31/01/2030 (XF0897)

 Code XF0897
31/01/2030 8.94% 60% ££0 £0 £500^ Yes 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 - 31/01/2030
  • 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 - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • Maximum Loan - £600,000
  • Minimum Loan - £100,000
  • Cost for comparison - 7.6% APRC.

5.19% 2 Year Fixed Rate to 31/01/2027 (XF0866)

 Code XF0866 (EB)
31/01/2027 8.19% 60% £125* £0~ £0 Yes No 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
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • *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 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

5.29% 2 Year Fixed Rate to 31/01/2027 (XF0867)

 Code XF0867 (EB)
31/01/2027 8.19% 80% £125* £0~ £0 Yes No 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
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2027
  • *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 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)

 Code XF0868 (EB)
31/01/2027 8.19% 60% £125* £0~ £0 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 Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • *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 31/01/2026, 1% until 31/01/2027
  • 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.

5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)

 Code XF0869 (EB)
31/01/2027 8.19% 80% £125* £0~ £0 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 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 - 31/01/2027
  • *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 31/01/2026, 1% until 31/01/2027
  • 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 - 7.8% APRC.

4.94% 3 Year Fixed Rate to 31/01/2028 (XF0870)

 Code XF0870 (EB)
31/01/2028 8.19% 60% £125* £0~ £0 Yes No 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
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2028
  • *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 - 3% until 31/01/2026, 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.5% APRC.

4.74% 5 Year Fixed Rate to 28/02/2030 (XF0872)

 Code XF0872 (EB)
28/02/2030 8.19% 60% £125* £0~ £0 Yes No 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
  • Loan to Value - 60%
  • Fixed Rate end date - 28/02/2030
  • *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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.6% APRC.

4.84% 5 Year Fixed Rate to 28/02/2030 (XF0873)

 Code XF0873 (EB)
28/02/2030 8.19% 80% £125* £0~ £0 Yes No 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
  • Loan to Value - 80%
  • Fixed Rate end date - 28/02/2030
  • *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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.7% APRC.

5.04% 3 Year Fixed Rate to 31/01/2028 (XF0871)

 Code XF0871 (EB)
31/01/2028 8.19% 80% £125* £0~ £0 Yes No 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
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2028
  • *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 - 3% until 31/01/2026, 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.6% APRC.

4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)

 Code XF0874 (EB)
28/02/2030 8.19% 60% £125* £0~ £0 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 Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Loan to Value - 60%
  • Fixed Rate end date - 28/02/2030
  • *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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 6.7% APRC.

4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)

 Code XF0875 (EB)
28/02/2030 8.19% 80% £125* £0~ £0 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 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 - 28/02/2030
  • *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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 6.7% APRC.

5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)

 Code XF0876 (EB)
28/02/2030 8.19% 95% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Family Mortgage applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 28/02/2030
  • *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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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 - 7.1% APRC.

5.49% 2 Year Fixed Rate to 31/01/2027 (XF0878)

 Code XF0878 (EB)
31/01/2027 8.19% 60% £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
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • *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 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7% APRC.

5.74% 2 Year Fixed Rate to 31/01/2027 (XF0879)

 Code XF0879 (EB)
31/01/2027 8.19% 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
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2027
  • *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 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC.

4.99% FFGM 5 Year Fixed Rate to 28/02/2030 (XF0884 - IO)

 Code XF0884 - IO (EB)
28/02/2030 8.19% 95% £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 - Family First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 28/02/2030
  • *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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

5.04% 5 Year Fixed Rate to 28/02/2030 (XF0881)

 Code XF0881 (EB)
28/02/2030 8.19% 60% £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
  • Loan to Value - 60%
  • Fixed Rate end date - 28/02/2030
  • *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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.5% APRC.

5.29% 5 Year Fixed Rate to 28/02/2030 (XF0882)

 Code XF0882 (EB)
28/02/2030 8.19% 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
  • Loan to Value - 80%
  • Fixed Rate end date - 28/02/2030
  • *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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.6% APRC.

4.99% FFGM 5 Year Fixed Rate to 28/02/2030 (XF0884 - RP)

 Code XF0884 - RP (EB)
28/02/2030 8.19% 95% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Family First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 28/02/2030
  • *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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.0% APRC.

5.54% RIO 5 Year Fixed Rate to 28/02/2030 (XFZ025)

 Code XFZ025 (EB)
28/02/2030 8.19% 50% £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 - Retirement Interest-Only applications for for Product Switch and Further Advance
  • Loan to Value - 50%
  • Fixed Rate end date - 28/02/2030
  • *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 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.1% 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
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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.

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

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