Notices
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All of these mortgage products have limited funds available and may be withdrawn at any time.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

4.99% JBSP 5 Year Fixed Rate to 31/10/2029 (XF0801)

4.99% 8.44% 7.1%APRC
  • Repayment
60% £599~ £500 for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase, Remortgage, Further Advance and Product Switches. Also available for product switch and further advance for existing guarantor mortgages
  • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
  • LTV - Maximum 60%
  • Fixed rate end date - 31/10/2029
  • *Application Fee -  £175 + Valuation Fee. (£125 for further advance. £0 for product switches)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £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.

5.09% Family Mortgage 5 Year Fixed Rate to 31/10/2029 (XF0803)

5.09% 8.44% 7.4%APRC
  • Repayment
95% £599~ £250 for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage applications for purchase, further advance, product switch
  • Loan to Value - Maximum 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available
  • Security options available - Security Account, Security through Property, Offset Account. Find out more here
  • Fixed Rate end date - 31/10/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase applications. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.4% APRC

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

5.09% JBSP 5 Year Fixed Rate to 31/10/2029 (XF0802)

5.09% 8.44% 7.2%APRC
  • Repayment
80% £599~ £500 for remortgage application^

Some key features of this mortgage

 

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase, Remortgage, Further Advance and Product Switches. Also available for product switch and further advance for existing guarantor mortgages
  • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
  • LTV - Maximum 80%
  • Fixed rate end date - 31/10/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £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.

5.44% FFGM 5 Year Fixed Rate to 31/10/2029 (XF0809)

5.44% 8.44% 7.7%APRC
  • Interest-Only
  • Repayment
95% £0

Some key features of this mortgage

  • Purpose - Product switch and further advance, exclusively available for existing Family First Guarantor Mortgage customers
  • LTV - Maximum LTV 95%.
  • Fixed Rate end date - 31/10/2029
  • Application Fee - £125 for further advance. £0 for product switches
  • Legal Fees - £100 minimum for further advances 
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advances. No minimum for product switches
  • Cost for comparison - 7.7% APRC

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

5.54% JBSP 2 Year Fixed Rate to 31/10/2026 (XF0795)

5.54% 8.44% 8.1%APRC
  • Repayment
60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages. 
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2026
  • Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • Product Fee - £599 for loans up to £500,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 31/10/2025, 1% until 31/10/2026
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Additional benefits:
    ^Cashback - £500 cashback on completion for remortgage applications
  • Cost for comparison - 8.1% APRC

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

5.64% JBSP 2 Year Fixed Rate to 31/10/2026 (XF0796)

5.64% 8.44% 8.1%APRC
  • Repayment
80% £599~

£500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2026
  • Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switches.)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000.  (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/10/2025, 1% until 31/10/2026
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC

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

6.59% JBSP 1.85% Discounted Rate from follow on rate for 2 years (XD0215)

6.59% 8.44% 8.5%APRC
  • Interest-Only
60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, 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 - Maximum 60%
  • Application Fee - £175 + Valuation Fee for purchase and remortgage applications. (£125 for further advance. £0 for product switch) 
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch.)
  • Maximum loan - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback - £500 cashback on completion for remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 8.5% APRC

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

6.84% JBSP 1.60% Discounted Rate from follow on rate for 2 years (XD0216)

6.84% 8.44% 8.6%APRC
  • Interest-Only
80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, 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 - Maximum 80%.
  • Application fee - £175 + Valuation Fee for purchase and remortgage applications. (£125 for further advance. £0 for product switch)
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • Maximum loan  - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.         
  • Additional benefits:
    ^Cashback - £500 cashback on completion for remortgage applications
  • Early Repayment Charges - 2% for the first year, 1% for the second year
  • Cost for comparison - 8.6% APRC

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

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.