Notices

5.69% 2 Year Fixed Rate to 31/10/2026 (XF0810)

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

5.69% 2 Year Fixed Rate to 31/10/2026 (XF0810)

5.69% 9.19% 8.9%APRC
  • Interest-Only
  • Repayment
60% 999

Key things to bear in mind

  • Purpose - Purchase, remortgage, further advance and product switch
  • 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 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 
  • Legal Fees - £100 minimum for further advances
  • 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 31/10/2025, 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 - 8.9% 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.

Bank statements

BTL 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.

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. 

Background BTLs

  • Evidence of rent being paid in and mortgage being paid out (bank statements may already cover this).

    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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