Notices
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Family assisted mortgages for product switch

We have a number of family assisted mortgage products currently available for product switch for existing borrowers.

All of these mortgage products have limited funds available and may be withdrawn at any time.

View a summary of our current range of Joint Borrower Sole Proprietor mortgage products available for product switch.

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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 Additional
benefits

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.

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.

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.

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.

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.

5.39% FFGM 5 Year Fixed Rate to 31/08/2030 (XF0989 - RP)

5.39% 7.94% 7.1%APRC
  • Repayment
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 - 7.1% APRC.

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

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.

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.

6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

6.09% 7.94% 7.9%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
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 60%
  • 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% in the first year, 1% in the second year
  • 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 - 7.9% APRC.

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

6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

6.34% 7.94% 8.0%APRC
  • Interest-Only
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
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - 80%
  • 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% in the first year, 1% in the second year
  • 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 - 8.0% APRC.

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

Comparing two mortgage products

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Note that products are subject to additional terms and subject to change. See a product's full details to find out more.