Notices
  • Homes for Ukraine - important information can be found here.

  • Savings members: Following the Bank of England’s decision to raise the Bank Rate by 0.25% to 1.25% on 16 June 2022, Windfall Bond and Tracker Savings Bond rates will increase by 0.25% from 1 July 2022.  In addition we are pleased to say that many of our variable rate accounts will also be increasing from 24 June 2022. We will be informing affected customers of their new rate via email or letter shortly. (Notice updated 20/06/2022).

    Mortgage members: Tracker mortgages will change on 25 July 2022 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. (Notice updated 20/06/2022).

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All of these mortgage products have limited funds available and may be withdrawn at any time.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 following documents: 'Additional Information about our Mortgages' and 'Getting a Mortgage: what you need to know' guide, which provide 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

2.69% 3 year discounted rate by 2.10% JMSO

2.69% 4.79% 4.5%APRC
  • Interest-Only
60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 2.10% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.69% 
  • 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.
  • ~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 - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.5% APRC

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

2.84% 3 year discounted rate by 1.95% JMSO

2.84% 4.79% 4.6%APRC
  • Interest-Only
80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.95% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.84% 
  • 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 - 3% for the first year, 2% for the second year, 1% for the third year
  • Cost for comparison - 4.6% APRC

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

3.14% 5 year fixed rate until 31/10/2027 Family Mortgage

3.04% 4.79% 4.3%APRC
  • Repayment
95% £599~ £250 cashback for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage applications for purchase, product switch and further advance
  • 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 - 31/10/2027
  • 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 purchase applications. (£0 for further advance, £0 for product switch)
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Additional criteria – The mortgage must complete by 03/10/2022 
  • Cost for comparison - 4.3% APRC

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

3.24% 3 year fixed rate until 31/10/2025 Family First Guarantor Mortgage

3.04% 4.79% 4.6%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 - 31/10/2025
  • 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 - 3% until 31/10/2023, 2% until 31/10/2024, 1% until 31/10/2025
  • 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 - 4.6% APRC

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

3.09% 5 year fixed rate until 31/10/2027 JMSO

3.09% 4.79% 4.2%APRC
  • Repayment
60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner 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 - 31/10/2027
  • Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for 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 and switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance and switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • 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 - 4.2% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022
 

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

3.19% 5 year fixed rate until 31/10/2027 JMSO

3.19% 4.79% 4.2%APRC
  • Repayment
80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner 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 - 31/10/2027
  • 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) 
  • 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 - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Cost for comparison - 4.2% APRC
  • Additional criteria – The mortgage must complete by 03/10/2022 

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

3.19% 2 year fixed rate until 31/10/2024 JMSO

3.19% 4.79% 4.6%APRC
  • Repayment
60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner 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 - 31/10/2024
  • 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 31/10/2023, 1% until 31/10/2024
  • 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 - 4.6% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

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

3.29% 2 year fixed rate until 31/10/2024 JMSO

3.29% 4.79% 4.6%APRC
  • Repayment
80% £599~

£500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner 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 - 31/10/2024
  • 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.  (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • 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 - 4.6% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022

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.