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Mortgage products - On Wednesday 8 May we launched a new range of Owner Occupier and Buy to Let Fixed Rate mortgage products. The updated product range includes products available for purchase, remortgage, further advance and product switch applications. Further information can be found here.
6.09% 2 Year Fixed Rate to 31/10/2026 (XF0804)
Key things to bear in mind
- 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 - 31/10/2026
- 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 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 31/10/2025, 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 - 8.1% APRC
Representative example
More downloads & what you'll need to apply
Identification
Bank statements
If you're renting your current home you'll need:
• 12 months statements showing rent payments.
If you already have a mortgage you'll need:
• Proof of mortgage payments - we carry out an electronic credit check on all applicants which usually confirms this. However if this fails, we will need proof. This can be provided from 12 months bank statements, the latest mortgage statements, or a combination. To speed up our underwriting, you can provide these on submission.
Proof of income
Other items
Case study - Helping a couple stay in their home and close to their family
Mr Grice's mother was very elderly and in need of regular support, so the Grices were keen to stay in their home
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.
Contact our expert UK team
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.
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Ashley Square, Epsom, Surrey, KT18 5DD.
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