Notices

6.09% Expat 2 Year Fixed Rate to 31/10/2026 (XF0818)

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

6.09% Expat 2 Year Fixed Rate to 31/10/2026 (XF0818)

6.09% 9.19% 9.0%APRC
  • Interest-Only
60% 1.00%~

Key things to bear in mind

  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2026
  • Application fee  - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for 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 
  • Legal fees - £100 minimum for further advances
  • ^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 - 2% until 31/10/2025, 1% until 31/10/2026 
  • 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 - 9.0% APRC
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More downloads & what you'll need to apply

Identification

We carry out an electronic ID check on all applicants. If this fails you will need to provide us with ID documents.

For Expat clients we also require:

  • Certified copy of UK Passport
  • Certified Proof of address (utility bill, bank statement, credit card statement, driving licence
  • A certified copy of any ID card for the applicant’s country of residence if one is issued, and a resident’s permit / Visa
  • Employers reference / Accountants reference to confirm current physical address.

Bank statements

BTL applicants are normally required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide this on submission.

Proof of income

A copy of the existing/proposed tenancy agreement.

Other items

Applicants are required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide this on submission. 

Tenancy agreement
  • For remortgages, a copy of the existing/proposed tenancy agreement.
Background BTLs
  • Evidence of rent being paid in and mortgage being paid out (bank statements may already cover this).
Evidence of deposit for purchases
  • Evidence of deposit in a UK account held by the applicant(s) 
  • For gifted deposits, we require a signed gift letter from the giftor plus evidence of funds in a UK account and the giftors details (names, date of births, relationship to applicants).
Expat applications
  • Applicants are required to provide a UK contact where the Society is able to serve notice regarding the mortgage. This can be a UK Solicitor or close family member in the UK.
Applicants with four or more mortgaged Buy to Let properties
  • We will treat these applications as a portfolio landlord and we require details of their full portfolio and a business plan.

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

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