Notices

Our new 1 Year Fixed Rate Bond (59) paying 4.46% Gross AER on balances of £10,000+ is now on sale. Find out more and apply online.
Tuesday 24 June - High call volumes

Due to the high volume of calls we're experiencing today, it's taking us longer than we'd like to answer your call. You may find the answers you're looking for in either our Mortgage or Savings FAQs.
If you still need our help, you can contact us by email (newbusiness@familybsoc.co.uk or mortgage.service@familybsoc.co.uk or savings.service@familybsoc.co.uk) or complete our callback form and we'll call you back at a time convenient for you. Thank you.
Our new and improved Online Service is here. Find out more

We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use. Online Service changes
Savings customers - interest rates on many of our variable rate savings products have decreased from 9 June. Find out more

We have emailed or written to you to let you know of how these interest rate decreases affect you. View our variable savings rate changes

RIO mortgages for additional borrowing

See all of our current Retirement Interest-Only 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All of these Owner Occupier mortgage products have limited funds available and may be withdrawn at any time.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 'Getting a Mortgage: what you need to know' guide, which provides 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	Next steps
5.54% RIO 5 Year Fixed Rate to 31/10/2030 (XFZ029)						Compare
5.54%	7.94%	6.9%APRC	Interest-Only	50%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance Loan to Value - 50% Fixed Rate end date - 31/10/2030 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back

Comparing two mortgage products


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.

RIO mortgages for additional borrowing

5.54% RIO 5 Year Fixed Rate to 31/10/2030 (XFZ029)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products