Notices

  • Savings products - In preparation of the launch of our new and improved Online Service we have temporarily withdrawn online applications for all our savings products. You can still apply for these products by post or in branch. All savings products will be available to apply online from 12 May. We apologise for any inconvenience this may cause.

  • We’ll shortly be making some changes to our Online Service to make it simpler and easier for you to use.  

    Our new Online Service will have a modern design, improved navigation and many added benefits.  

    Find out more about the changes

  • Mortgage products - On Wednesday 23 April, we made changes to our mortgage product range. These include rate adjustments across our fixed rate products, and an increase to our Owner Occupier Joint Borrower Sole Proprietor maximum LTV to up to 90% (with no additional security required) for loans up to £500,000.

  • Online Service update. Due to planned essential maintenance our Online Service will be unavailable between 5.30pm on Friday 9 May until 9am on Monday 12 May. We apologise for any inconvenience this may cause.

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

4.94% 5 Year Fixed Rate to 31/08/2030 (XF1009)
4.94% 7.94% 5.6%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/08/2030
  • 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 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 5.6% APRC.

See full details for fee details, documents you'll need, and more.

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5.29% JBSP 2 Year Fixed Rate to 31/08/2027 (XF1007)
5.29% 7.94% 7.5%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Loan to Value - 80%
  • Fixed Rate end date - 31/08/2027
  • 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 - 2% until 31/08/2026, 1% until 31/08/2027
  • Maximum loan - £1,000,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

See full details for fee details, documents you'll need, and more.

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5.39% JBSP 2 Year Fixed Rate to 31/08/2027 (XF1008)
5.39% 7.94% 7.6%APRC
  • Repayment
 90% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Loan to Value - 90%
  • Fixed Rate end date - 31/08/2027
  • 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 - 2% until 31/08/2026, 1% until 31/08/2027
  • Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

See full details for fee details, documents you'll need, and more.

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5.04% 5 Year Fixed Rate to 31/08/2030 (XF1010)
5.04% 7.94% 5.7%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/08/2030
  • 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 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 5.7% APRC.

See full details for fee details, documents you'll need, and more.

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5.44% 2 Year Fixed Rate to 31/08/2027 (XF1015)
5.44% 7.94% 7.5%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/08/2027
  • 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 - 2% until 31/08/2026, 1% until 31/08/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

See full details for fee details, documents you'll need, and more.

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5.29% JBSP 5 Year Fixed Rate to 31/08/2030 (XF1012)
5.29% 7.94% 6.8%APRC
  • Repayment
 90% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Loan to Value - 90%
  • Fixed Rate end date - 31/08/2030
  • 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 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030
  • Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

See full details for fee details, documents you'll need, and more.

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5.59% 2 Year Fixed Rate to 31/08/2027 (XF1016)
5.59% 7.94% 7.5%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/08/2027
  • 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 - 2% until 31/08/2026, 1% until 31/08/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

See full details for fee details, documents you'll need, and more.

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5.19% JBSP 5 Year Fixed Rate to 31/08/2030 (XF1011)
5.19% 7.94% 6.7%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Loan to Value - 80%
  • Fixed Rate end date - 31/08/2030
  • 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 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030
  • Maximum loan - £1,000,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.7% APRC.

See full details for fee details, documents you'll need, and more.

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5.49% 5 Year Fixed Rate to 31/08/2030 (XF1020)
5.49% 7.94% 6.6%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/08/2030
  • 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 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.6% APRC.

See full details for fee details, documents you'll need, and more.

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5.34% Expat 5 Year Fixed Rate to 30/09/2030 (XF1021)
5.34% 8.69% 7.5%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 30/09/2030
  • 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 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

See full details for fee details, documents you'll need, and more.

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5.34% 5 Year Fixed Rate to 31/08/2030 (XF1019)
5.34% 7.94% 6.5%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/08/2030
  • 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 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.5% APRC.

See full details for fee details, documents you'll need, and more.

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5.49% Expat 5 Year Fixed Rate to 30/09/2030 (XF1022)
5.49% 8.69% 7.6%APRC
  • Interest-Only
 75% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2030
  • 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 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

See full details for fee details, documents you'll need, and more.

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5.69% JBSP 2 Year Fixed Rate to 31/08/2027 (XF0984)
5.69% 7.94% 7.8%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Loan to Value - 60%
  • Fixed Rate end date - 31/08/2027
  • 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 - 2% until 31/08/2026, 1% until 31/08/2027
  • Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s)
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC.

See full details for fee details, documents you'll need, and more.

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5.14% 3 Year Fixed Rate to 31/08/2028 (XF0974)
5.14% 7.94% 6.4%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/08/2028
  • 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 - 3% until 31/08/2026, 2% until 31/08/2027, 1% until 31/08/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.4% APRC.

See full details for fee details, documents you'll need, and more.

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5.49% 5 Year Fixed Rate to 30/09/2030 (XF0993)
5.49% 8.69% 6.8%APRC
  • Interest-Only
  • Repayment
 75% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2030
  • 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 30/09/2026, 4% until 30/09/2027, 3% until 30/09/2028, 2% until 30/09/2029, 1% until 30/09/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

See full details for fee details, documents you'll need, and more.

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5.39% 2 Year Fixed Rate to 31/08/2027 (XF0990)
5.39% 8.69% 8.0%APRC
  • Interest-Only
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/08/2027
  • 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 - 2% until 31/08/2026, 1% until 31/08/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.0% APRC.

See full details for fee details, documents you'll need, and more.

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5.39% FFGM 5 Year Fixed Rate to 31/08/2030 (XF0989 - IO)
5.39% 7.94% 7.3%APRC
  • Interest-Only
 95% £0~

Some key features of this mortgage

  • Purpose - Family First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 31/08/2030
  • 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 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

See full details for fee details, documents you'll need, and more.

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5.54% 2 Year Fixed Rate to 31/08/2027 (XF0991)
5.54% 8.69% 8.0%APRC
  • Interest-Only
  • Repayment
 75% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 31/08/2027
  • 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 - 2% until 31/08/2026, 1% until 31/08/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.0% APRC.

See full details for fee details, documents you'll need, and more.

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5.34% Family Mortgage 5 Year Fixed Rate to 31/08/2030 (XF0979)
5.34% 7.94% 7.1%APRC
  • Repayment
 95% £0~

Some key features of this mortgage

  • Purpose - Family Mortgage applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 31/08/2030
  • 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 31/08/2026, 4% until 31/08/2027, 3% until 31/08/2028, 2% until 31/08/2029, 1% until 31/08/2030
  • Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s)
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.1% APRC.

See full details for fee details, documents you'll need, and more.

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5.39% Ltd Co 2 Year Fixed Rate to 31/08/2027 (XF0994)
5.39% 8.69% 8.3%APRC
  • Interest-Only
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 31/08/2027
  • 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 - 2% until 31/08/2026, 1% until 31/08/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

See full details for fee details, documents you'll need, and more.

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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 - A second chance at being a homeowner in retirement

Alicia wanted to relocate and become a homeowner again in her retirement

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.

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