Notices

  • Our Windfall Bond is available for new account openings, offering interest at the Bank of England Bank Rate and entry into a monthly free prize draw with more prizes available now determined by the prize fund value. Find out more here

    Newly opened accounts need to be fully funded and nominated bank details registered before the end of September in order to qualify for entry into the November Prize Draw.

  • Mortgage products - On Friday 20 September we made changes to our Buy to Let mortgage product range. Our BTL Limited Company 5 Year Fixed Rate product (XF0898) has been withdrawn without replacement, and we've launched a new BTL UK Landlord 5 Year Fixed Rate product. Further information can be found here.

    On 19 September 2024, we reduced our Managed Mortgage Rates (MMR) by 0.25%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates. We have written to existing customers who have been impacted by this change, with details relevant to them. Find out full details here.

Family-assisted Further Advance

Family assisted mortgages for additional borrowing

See all of our current family assisted mortgage products available for additional borrowing.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

All of these mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available to applicants aged 18 and over for properties in England or Wales.

This information should be read in conjunction with the 'Getting a Mortgage: what you need to know' guide, which provides important information about our mortgage services.

 

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Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)
4.84% 8.19% 6.7%APRC
  • Repayment
 60% £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 - 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.

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

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4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)
4.94% 8.19% 6.7%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
  • 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.

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

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4.99% FFGM 5 Year Fixed Rate to 28/02/2030 (XF0884 - RP)
4.99% 8.19% 7.0%APRC
  • Repayment
 95% £0~

Some key features of this mortgage

  • 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.

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

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4.99% FFGM 5 Year Fixed Rate to 28/02/2030 (XF0884 - IO)
4.99% 8.19% 7.3%APRC
  • Interest-Only
 95% £0~

Some key features of this mortgage

  • 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.

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

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5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)
5.09% 8.19% 7.1%APRC
  • Repayment
 95% £0~

Some key features of this mortgage

  • 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.

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

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5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)
5.29% 8.19% 7.7%APRC
  • Repayment
 60% £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 - 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.

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

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5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)
5.39% 8.19% 7.8%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
  • 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.

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

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6.34% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)
6.34% 8.19% 8.2%APRC
  • Interest-Only
 60% £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 - 4.09%
  • Loan to Value - 60%
  • 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 - 8.2% APRC.

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

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6.59% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)
6.59% 8.19% 8.3%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 - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • 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 - 8.3% APRC.

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

Take the next step:

See full details See what I could borrow
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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.