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6.94% Expat 1.50% Discounted Rate from follow on rate for 2 years (XD0218)

 Code XD0218
2 years 8.44% 80% £0 £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat product switch
  • Discount - 1.50% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 4.44%
  • LTV - Maximum 80%
  • Application Fee - £0
  • Valuation Fees - £0
  • Product Fee - £0
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum.
  • Minimum loan - No minimum
  • Cost for comparison - 8.5% APRC
  • Additional criteria - We require a UK address for the serving of notice.

6.69% Expat 1.75% Discounted Rate from follow on rate for 2 years (XD0217)

 Code XD0217
2 years 8.44% 60% £0 £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat product switch
  • Discount - 1.75% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 4.19%
  • LTV - Maximum 60%
  • Application Fee - £0
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum loan - No minimum
  • Cost for comparison - 8.5% APRC
  • Additional criteria - We require a UK address for the serving of notice

4.79% 5 Year Fixed Rate to 30/09/2029 (XF0770)

 Code XF0770 DIRECT
30/09/2029 8.44% 80% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, Remortgage, Product Switch and Further Advance
  • 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 - 30/09/2029
  • *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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028,1% until 30/09/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.7% APRC.

4.69% 5 Year Fixed Rate to 30/09/2029 (XF0769)

 Code XF0769
30/09/2029 8.44% 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 - Product Switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/09/2029
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0 
  • Cashback - £0
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • 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 advance. No minimum for product switches
  • Cost for comparison - 5.8%

4.79% 5 Year Fixed Rate to 30/09/2029 (XF0770)

 Code XF0770
30/09/2029 8.44% 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 - Product Switch and Further Advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/09/2029
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028,1% until 30/09/2029
  • 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 advance. No minimum for product switches
  • Cost for comparison - 5.8% APRC.

4.79% JBSP 5 Year Fixed Rate to 30/09/2029 (XF0771)

 Code XF0771 DIRECT
30/09/2029 8.44% 60% £175* £599~ £500^ 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 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 - 30/09/2029
  • *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 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • 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 - 7.0% APRC

4.89% JBSP 5 Year Fixed Rate to 30/09/2029 (XF0772)

 Code XF0772 DIRECT
30/09/2029 8.44% 80% £175* £599~ £500^ Yes No Yes  
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 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 - 30/09/2029
  • *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 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • 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

5.49% 2 Year Fixed Rate to 31/07/2026 (XF0780)

 Code XF0780
31/07/2026 9.19% 60% £125* 0 £0 Yes 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
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/07/2026
  • *Application Fee - £125 for further advance, £0 for switch
  • Valuation Fees (Further advance and Product Switch) - £0
  • Legal Fees -  £100 minimum for further advances
  • Product Fee - £0 
  • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
  • 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 advance. No minimum for product switches
  • Cost for comparison - 8.7% APRC

5.84% 2 Year Fixed Rate to 31/07/2026 (XF0774)

 Code XF0774 DIRECT
31/07/2026 8.44% 60% £175* £999~ ££500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, further advance and product switches.
  • 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 broker
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/07/2026
  • *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 advances. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.1% APRC

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

 Code XD0216
2 years 8.44% 80% £175* £599~ £500^ No Yes 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 purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.60% discount applied to our Managed Mortgage Rate for the first 2 years.
  • Minimum interest - 4.34%
  • LTV - 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.)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% for the first year, 1% for the second year
  • 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 - 8.6% APRC

6.04% 2 Year Fixed Rate to 31/07/2026 (XF0776)

 Code XF0776
31/07/2026 8.44% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/07/2026
  • *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 31/07/2025, 1% until 31/07/2026
  • 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 - 8.1% APRC.

5.64% 2 Year Fixed Rate to 31/07/2026 (XF0781)

 Code XF0781
31/07/2026 9.19% 70% £175* £999 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, further advance and product switch
  • LTV - Maximum 70%
  • Fixed Rate end date - 31/07/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch)
  • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.9% APRC

5.49% 5 Year Fixed Rate to 30/09/2029 (XF0778)

 Code XF0778
30/09/2029 8.44% 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 - Product switch and further advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/09/2029
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • 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 advance. No minimum for product switches.
  • Cost for comparison - 7.0% APRC

6.29% Offset Mortgage 2.25% Discounted Rate from follow on rate for 2 years (XO0071)

 Code XO0071
2 years 8.54% 60% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction
  • Discount - 2.25% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 3.79%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage.  (£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 and switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance and switch)
  • ^Cashback - £500 for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.2% APRC
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset

6.09% 2 Year Fixed Rate to 31/07/2026 (XF0775)

 Code XF0775 DIRECT
31/07/2026 8.44% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • 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 - 31/07/2026
  • *Application Fee - £175 + Valuation Fee. (£125 for further advances. £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 advances. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC
 

5.39% Ltd Co 5 Year Fixed Rate to 31/08/2029 (XF0787)

 Code XF0787
31/08/2029 9.19% 70% £175* 1.00%~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • LTV - Maximum 70%
  • Fixed Rate end date - 31/08/2029
  • *Application Fee -  £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 5% until 31/08/2025, 4% until 31/08/2026, 3% until 31/08/2027, 2% until 31/08/2028, 1% until 31/08/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.0% APRC
  • Additional information: The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

5.34% JBSP 2 Year Fixed Rate to 31/07/2026 (XF0765)

 Code XF0765
31/07/2026 8.44% 60% £175* £599~ £500^ 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 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 - 31/07/2026
  • *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)
  • Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
  • 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

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

 Code XD0215
2 years 8.44% 60% £175* £599~ £500^ No Yes 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 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% 
  • LTV - Maximum 60%.
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£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 - 2% in the first year, 1% in the second year
  • 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 - 8.5% APRC

4.99% 3 Year Fixed Rate to 30/09/2027 (XF0767)

 Code XF0767
30/09/2027 8.44% 60% £175* £999~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/09/2027
  • *Application Fee - £125 for further advances. £0 for product switch
  • Valuation Fees -  £0 for further advances. £0 for product switch
  • ~Product Fee - £0 for further advances. £0 for product switch
  • Early Repayment Charges - 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
  • 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 advance. No minimum for product switches.
  • Cost for comparison - 6.8% APRC

6.94% Expat 1.50% Discounted Rate from follow on rate for 2 years (XD0218)

 Code XD0218
2 years 8.44% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Discount - 1.50% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 4.44%
  • LTV - Maximum 80%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. £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 - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.6% APRC
  • Additional criteria - We require a UK address for the serving of notice.
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

6.94% Expat 1.50% Discounted Rate from follow on rate for 2 years (XD0218)
6.94% 8.44% 8.5%APRC
  • Interest-Only
 80% £0

Some key features of this mortgage

  • Purpose - Expat product switch
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 4.44% 
  • Loan to Value - Maximum 80%.
  • Application fee - £0
  • Valuation fees - £0
  • Product fee - £0
  • Early Repayment Charges -  2% in the first year, 1% in the second year                                     
  • Maximum loan - No maximum.
  • Minimum loan - No minimum
  • Cost for comparison - 8.5% APRC
  • Additional criteria - We require a UK address for the serving of notice.
 

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6.69% Expat 1.75% Discounted Rate from follow on rate for 2 years (XD0217)
6.69% 8.44% 8.5%APRC
  • Interest-Only
 60% £0
 

Some key features of this mortgage

  • Purpose - Expat for product switch
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 4.19% 
  • Loan to Value - Maximum 60%
  • Application Fee - £0
  • Valuation Fees - £0
  • Product Fee - £0
  • Early Repayment Charges -  2% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum loan - No minimum
  • Cost for comparison - 8.5% APRC
  • Additional criteria - We require a UK address for the serving of notice

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4.79% 5 Year Fixed Rate to 30/09/2029 (XF0770)
4.79% 8.44% 5.7%APRC
  • Repayment
 80% £999~ £500 for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase, Remortgage, Further Advance, Product Switch
  • 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 - 30/09/2029
  • *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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028,1% until 30/09/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.7% APRC.
 

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4.69% 5 Year Fixed Rate to 30/09/2029 (XF0769)
4.69% 8.44% 5.8%APRC
  • Repayment
 60% £0

Some key features of this mortgage

  • Purpose - Product switch and further advance
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/09/2029
  • Application Fee - £125 for further advance. £0 for product switch
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • 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 advance. No minimum for product switches.
  • Cost for comparison - 5.8% APRC

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    4.79% 5 Year Fixed Rate to 30/09/2029 (XF0770)
    4.79% 8.44% 5.8%APRC
    • Repayment
    		 80% £0 £500 for remortgage applications^

    Some key features of this mortgage

    • Purpose - Product Switch and Further Advance 
    • LTV - Maximum 80%
    • Fixed Rate end date - 30/09/2029
    • *Application Fee - £125 for further advance. £0 for product switch
    • Valuation Fees - £0
    • Product Fee - £0
    • Cashback - £0
    • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028,1% until 30/09/2029
    • 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 advance. No minimum for product switches
    • Cost for comparison - 5.8% APRC.
     

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    4.79% JBSP 5 Year Fixed Rate to 30/09/2029 (XF0771)
    4.79% 8.44% 7.0%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 - 30/09/2029
    • *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 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
    • 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 - 7.0% APRC

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    4.89% JBSP 5 Year Fixed Rate to 30/09/2029 (XF0772)
    4.89% 8.44% 7.1%APRC
    • Repayment
    		 80% £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 80%
    • Fixed rate end date - 30/09/2029
    • *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 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
    • 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

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    5.49% 2 Year Fixed Rate to 31/07/2026 (XF0780)
    5.49% 9.19% 8.7%APRC
    • Interest-Only
    • Repayment
    		 60% 0

    Some key features of this mortgage

    • Purpose - Further advance and product switch
    • Loan to Value - Maximum 60%
    • Fixed Rate end date - 31/07/2026
    • Application fee - £125 for further advance, £0, for switch
    • Valuation Fees (Further advance and Product Switch) - £0
    • Legal Fees - £100 minimum for further advances
    • Product fee - £0
    • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
    • 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 advance. No minimum for product switches
    • Cost for comparison - 8.7% APRC.

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    5.84% 2 Year Fixed Rate to 31/07/2026 (XF0774)
    5.84% 8.44% 8.1%APRC
    • Interest-Only
    		 60% £999~

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, further advance and product switches.
    • 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 - 31/07/2026
    • 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 advances. £0 for product switch)
    • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
    • 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. £2,000 for further advance. No minimum for product switches.
    • Cost for comparison - 8.1% APRC

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    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

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    6.04% 2 Year Fixed Rate to 31/07/2026 (XF0776)
    6.04% 8.44% 8.1%APRC
    • Interest-Only
    		 60% £999~  £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase and remortgage
    • LTV - Maximum 60%
    • Fixed Rate end date - 31/07/2026
    • 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 31/07/2025, 1% until 31/07/2026
    • 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 - 8.1% APRC.

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    5.64% 2 Year Fixed Rate to 31/07/2026 (XF0781)
    5.64% 9.19% 8.9%APRC
    • Interest-Only
    • Repayment
    		 70% £999

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, further advance and product switch
    • Loan to Value - Maximum 70%
    • Fixed Rate end date - 31/07/2026
    • Application fee - £175 + Valuation Fee for purchase, remortgage. (£125 for further advance, £0 for product switch)
    • 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 (Further advance and Product Switch) - £0
    • 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch)
    • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
    • 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. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 8.9% APRC

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    5.49% 5 Year Fixed Rate to 30/09/2029 (XF0778)
    5.49% 8.44% 7.0%APRC
    • Interest-Only
    		 80% £0

    Some key features of this mortgage

    • Purpose - Product switch and further advance
    • LTV - Maximum 80%
    • Fixed Rate end date - 30/09/2029
    • Application Fee - £125 for further advance. £0 for product switch
    • Valuation Fees - £0
    • Product Fee - £0
    • Cashback - £0
    • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
    • 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 advance. No minimum for product switches.
    • Cost for comparison - 7.0% APRC

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    6.29% Offset Mortgage 2.25% Discounted Rate from follow on rate for 2 years (XO0071)
    6.29% 8.54% 8.2%APRC
    • Repayment
    		 60% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

    Payment or Term reduction

    Some key features of this mortgage

    • Purpose - Offset applications for purchase, remortgage, product switch and further advance
    • Options available - Term reduction or payment reduction. Find out more about these options here
    • Discount - 2.25% applied to our Managed Flexi Mortgage Rate for 2 years
    • Minimum rate - 3.79% 
    • Loan to Value - Maximum 60%
    • Application Fee - £175 + Valuation Fee for purchase and remortgage.  (£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 and switch)
    • ~Product Fee - £999 for loans up to £500,000.  For loans above £500,000, 0.3% of the loan amount. (£0 for further advance and switch)
    • Additional benefits:
      - ^Cashback       - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver.
    • Maximum loan - No maximum.
    • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
    • Cost for comparison - 8.2% APRC
    • Early Repayment Charges -  2% in the first year, 1% in the second year
    • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases.
    • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset.

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    6.09% 2 Year Fixed Rate to 31/07/2026 (XF0775)
    6.09% 8.44% 8.2%APRC
    • Interest-Only
    		 80% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • 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 - 31/07/2026
    • Application Fee - £175 + Valuation Fee. (£125 for further advances. £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 advances. £0 for product switch)
    • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
    • 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. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 8.2% APRC

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    5.39% Ltd Co 5 Year Fixed Rate to 31/08/2029 (XF0787)
    5.39% 9.19% 8.0%APRC
    • Interest-Only
    • Repayment
    		 70% 1.00%~

    Some key features of this mortgage

    • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
    • Loan to Value - Maximum 70%. 
    • Fixed Rate end date - 31/08/2029
    • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
    • 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 (Further advance and Product Switch) - £0
    • 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 - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
    • 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. £2,000 for further advance. No minimum for product switches
    • Early Repayment Charges - 5% until 31/08/2025, 4% until 31/08/2026, 3% until 31/08/2027, 2% until 31/08/2028, 1% until 31/08/2029
    • Cost for comparison - 8.0% APRC
    • Additional information: The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

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    5.34% JBSP 2 Year Fixed Rate to 31/07/2026 (XF0765)
    5.34% 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 - 31/07/2026
    • 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 31/07/2025, 1% until 31/07/2026
    • 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

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    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

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    4.99% 3 Year Fixed Rate to 30/09/2027 (XF0767)
    4.99% 8.44% 6.8APRC
    • Repayment
    		 60% £999~

    Some key features of this mortgage

    • Purpose - Product switch and further advance
    • LTV - Maximum 60%
    • Fixed Rate end date - 30/09/2027
    • *Application Fee - £125 for further advances. £0 for product switch
    • Valuation Fees - £0 for further advances. £0 for product switch
    • ~Product Fee - £0 for further advances. £0 for product switch
    • Early Repayment Charges - 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
    • 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 advance. No minimum for product switches.
    • Cost for comparison - 6.8% APRC

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    6.94% Expat 1.50% Discounted Rate from follow on rate for 2 years (XD0218)
    6.94% 8.44% 8.6%APRC
    • Interest-Only
    		 80% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Expat for purchase, remortgage, product switch and further advance 
    • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
    • Minimum rate - 4.44% 
    • Loan to Value - Maximum 80%.
    • Application fee - £175 + Valuation Fee for purchase and remortgage. £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 - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
    • Additional benefits:
      - ^Cashback - £500 on completion 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. £2,000 for further advance. No minimum for product switches.
    • Cost for comparison - 8.6% APRC
    • Additional criteria - We require a UK address for the serving of notice.
    • See our expat page for our full list of countries currently considered for expat applications.
     

    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

    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 - The Family Mortgage - helping first time buyers with small deposits

    Choosing the Family Mortgage to buy their first home together

    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.

    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

    ...or ask the way that suits you.

    Request a call back

    We can call you back at a time that suits you.

    Visit us in branch

    Ashley Square, Epsom, Surrey, KT18 5DD.

    View our FAQs

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