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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.

ll of these mortgage products have limited funds available and may be withdrawn at any time.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 following documents: 'Additional Information about our Mortgages' and 'Getting a Mortgage: what you need to know' guide, which provide 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 Additional
benefits

2.54% 2 year fixed rate JMSO

2.54% 4.39% 4.2%APRC
  • Repayment
60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - Maximum 60%
  • 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 advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • Maximum loan - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback
    - £500 cashback on completion for remortgage applications
  • Early Repayment Charges -  2% until 30/04/2023, 1% until 30/04/2024 
  • Additional criteria – The mortgage must complete by 01/06/2022

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

2.64% 2 year fixed rate JMSO

2.64% 4.39% 4.2%APRC
  • Repayment
80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - 80%.
  • 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 advance. £0 for product switch) 
  • ~Product fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • Maximum loan  - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback
    - £500 cashback on completion for remortgage applications
  • Early Repayment Charges -  2% until 30/04/2023,1% until 30/04/2024
  • Additional criteria – The mortgage must complete by 01/06/2022

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

2.69% 3 year discounted rate by 1.70% JMSO

2.69% 4.39% 4.2%APRC
  • Interest-Only
60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.70% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.59% 
  • Loan to Value - Maximum 60%
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch.)
  • Maximum loan - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback - £500 cashback on completion for remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year

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

2.74% 5 year fixed rate JMSO

2.74% 4.39% 3.8%APRC
  • Repayment
60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - Maximum 60%.
  • Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for 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 advance and switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance and switch)
  • Maximum loan - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback
    - £500 cashback on completion for remortgage applications
  • Early Repayment Charges -  5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • Additional criteria – The mortgage must complete by 01/06/2022
 

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

2.84% 5 year fixed rate Family Mortgage

2.84% 4.39% 4.0%APRC
  • Repayment
95% £599~ £250 cashback for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage applications for purchase, product switch and further advance
  • Loan to Value - Maximum 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available.
  • Security options available - Security Account, Security Through Property, Offset Account. Find out more here.
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for 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 advance and switch)
  • ~Product Fee - £599
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • Additional criteria – The mortgage must complete by 01/06/2022 

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

2.84% 5 year fixed rate JMSO

2.84% 4.39% 3.8%APRC
  • Repayment
80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - 80%.
  • Application fee - £175 + Valuation Fee (£125 for further advance. £0 for product switch) 
  • Valuation fees - Free  
  • ~Product fee - £599 for loans up to £500,000
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. 
  • Additional benefits:
    - ^Cashback
    - £500 cashback on completion for remortgage applications
  • Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • Additional criteria – The mortgage must complete by 01/06/2022 

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

2.84% 3 year fixed rate Family First Guarantor Mortgage

2.84% 4.39% 4.2%APRC
  • Interest-Only
  • Repayment
95% £0

Some key features of this mortgage

· Purpose - Product switch and further advance 
· Loan to Value - Maximum 95%
· Fees:
- Application fee - £125 for further advance. £0 for product switches                                   
- Legal fees - £100 minimum for further advances.
- Valuation fees - £0
- Product fee - £0
· Early Repayment Charges -  3% until 31/05/2023, 2% until 31/05/2024, 1% until 31/05/2025
· Maximum loan - No maximum. 
· Minimum loan - £2,000 for further advance. No minimum for product switches
· Additional criteria – For further advances the mortgage must complete by 01/06/2022

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

2.84% 3 year discounted rate by 1.55% JMSO

2.84% 4.39% 4.2%APRC
  • Interest-Only
80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.55% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.74% 
  • Loan to Value - Maximum 80%.
  • Application fee - £175 + Valuation Fee for purchase and remortgage.
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
  • ~Product fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch.)
  • Maximum loan  - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.         
  • Additional benefits:
    - ^Cashback - £500 cashback on completion for remortgage applications
  • Early Repayment Charges - 3% for the first year, 2% for the second year, 1% for the third year

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

Comparing two mortgage products

Mortage icon - House Mortgage icon - House
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Repayment or Interest-Only? DYNAMIC DYNAMIC
Max % loan to value (LTV) DYNAMIC DYNAMIC
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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.