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5.74% Ltd Co 2 Year Fixed Rate to 30/06/2026 (XF0753)

Code XF0753
30/06/2026 9.19% 60% £175* 1.00%~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%
  • Fixed rate end date - 30/06/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
  • ~Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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 - 9.0% APRC
  • Additional information: The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

5.84% Expat 2 Year Fixed Rate to 30/06/2026 (XF0757)

Code XF0757
30/06/2026 9.19% 60% £175* 1.00%~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance 
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Legal fees - £100 minimum for further advances
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies. 
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch)
  • ^Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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 - 9.0% APRC

6.84% Offset Mortgage 2.35% Discounted Rate from follow on rate for 2 years (XO0069)

Code XO0069
2 years 9.19% 60% £175* £999~ £100^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application

· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction
· Discount - 2.35% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 4.59% 
· LTV - Maximum 60%
· *Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for switch)
· Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property
· Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
· Valuation Fees (Further advance and Product Switch) - £0
· Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
· ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance and switch)
· ^Cashback - £100
· Early Repayment Charges - 2% in the first year and 1% in the second year
· 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 - 9.3% APRC
· Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account.

5.19% 5 Year Fixed Rate to 30/06/2029 (XF0747)

Code XF0747
30/06/2029 8.44% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage
  • 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 - 30/06/2029
  • *Application Fee - £175 + Valuation Fee
  • 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028, 1% until 30/06/2029
  • 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
  • Cost for comparison - 6.6% APRC

4.99% 5 Year Fixed Rate to 31/05/2029 (XF0751)

Code XF0751
31/05/2029 9.19% 60% £125* 0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further advance and product switch
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/05/2029
  • *Application Fee - £125 for further advance, £0 for switch
  • Valuation Fees (Further advance and Product Switch) - £0
  • Legal Fees - £100 minimum for further advances
  • Product Fee - £0
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC

4.69% 5 Year Fixed Rate to 30/06/2029 (XF0738)

Code XF0738
30/06/2029 8.44% 80% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, Remortgage, Product Switch and Further Advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/06/2029
  • *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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028,1% until 30/06/2029
  • 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 - 5.6% APRC.

6.94% Expat 1.50% Discounted Rate from follow on rate for 2 years (XD0212)

Code XD0212
2 years 8.44% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Discount - 1.50% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 4.69%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£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 - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.6% APRC
  • Additional criteria - We require a UK address for the serving of notice

6.09% 2 Year Fixed Rate to 30/06/2026 (XF0743)

Code XF0743
30/06/2026 8.44% 80% £125* £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.1% APRC

4.79% Family Mortgage 5 Year Fixed Rate to 30/06/2029 (XF0741)

Code XF0741
30/06/2029 8.44% 95% £175* £599~ £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Family Mortgage applications for purchase, product switch and further advance
  • LTV - 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
  • Fixed rate end date - 30/06/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Legal Fee - £100 minimum for further advances
  • 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)
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028, 1% until 30/06/2029
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase applications. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.3%
 

7.44% Expat 1.00% Discounted Rate from follow on rate for 2 years (XD0213)

Code XD0213
2 years 8.44% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Discount - 1.00% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 5.19%
  • LTV - Maximum 80%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. £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 - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.7% APRC
  • Additional criteria - We require a UK address for the serving of notice.

6.64% Offset Mortgage 1.90% Discounted Rate from follow on rate for 2 years (XO0066)

Code XO0066
2 years 8.54% 80% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction
  • Discount - 1.90% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 4.39%
  • LTV - Maximum 80%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance. £0 for product switch)
  • Valuation Fee - 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 - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • 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 - 8.3% APRC
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset

5.24% 2 Year Fixed Rate to 30/06/2026 (XF0732)

Code XF0732
30/06/2026 8.44% 80% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 80%.
  • Fixed Rate end date - 30/06/2026
  • *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 advance, £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 advance, £0 for product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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
  • Additional benefits:
    ^Cashback
     - £500 cashback on completion for remortgage applications
  • Cost for comparison - 7.4% APRC

5.44% Expat 5 Year Fixed Rate to 31/05/2029 (XF0760)

Code XF0760 Direct
31/05/2029 9.19% 70% £175* 1.00%~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / remortgage applications submitted from directly authorised brokers. 
  • LTV - Maximum 70%
  • Fixed Rate end date - 31/05/2029
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Legal fees - £100 minimum for further advances
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies. 
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch)
  • ~Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • 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 - 8.2% APRC

5.89% Ltd Co 2 Year Fixed Rate to 30/06/2026 (XF0754)

Code XF0754
30/06/2026 9.19% 70% £175* 1.00%~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • LTV - Maximum 70%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee -  £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
  • ~Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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 - 9.0% APRC
  • Additional information: The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

5.49% 2 Year Fixed Rate to 30/06/2026 (XF0749)

Code XF0749
30/06/2026 9.19% 60% £125* 0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further advance and product switch
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee - £125 for further advance, £0 for switch
  • Valuation Fees (Further advance and Product Switch) - £0
  • Legal Fees -  £100 minimum for further advances
  • Product Fee - £0 
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.6% APRC

4.59% 5 Year Fixed Rate to 30/06/2029 (XF0737)

Code XF0737
30/06/2029 8.44% 60% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, Remortgage, Further Advance, Product Switch
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/06/2029
  • *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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028, 1% until 30/06/2029
  • 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 - 5.5%

5.39% JBSP 2 Year Fixed Rate to 30/06/2026 (XF0734)

Code XF0734
30/06/2026 8.44% 80% £175* £599~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/06/2026
  • *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 advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000.  (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC

5.44% Expat 5 Year Fixed Rate to 31/05/2029 (XF0760)

Code XF0760
31/05/2029 9.19% 70% £125* 0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat product switch and further advance
  • LTV - Maximum 70%
  • Fixed rate end date - 31/05/2029
  • *Application Fee - £125 for further advance, £0 for switch
  • Valuation Fees (Further advance and Product Switch) - £0
  • Legal fees - £100 minimum for further advances
  • Product Fee - £0
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC

5.14% 5 Year Fixed Rate to 31/05/2029 (XF0752)

Code XF0752
31/05/2029 9.19% 70% £175* £999 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, further advance and product switch
  • LTV - Maximum 70%
  • Fixed Rate end date - 31/05/2029
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch)
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • 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 - 7.9% APRC

5.64% 2 Year Fixed Rate to 30/06/2026 (XF0750)

Code XF0750
30/06/2026 9.19% 70% £175* £999 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, further advance and product switch
  • LTV - Maximum 70%
  • Fixed Rate end date - 30/06/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
  • Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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 - 8.9% APRC
Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

5.74% Ltd Co 2 Year Fixed Rate to 30/06/2026 (XF0753)

5.74% 9.19% 9.0%APRC
  • Interest-Only
  • Repayment
60% 1.00%~
 

Some key features of this mortgage

  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • Loan to Value - Maximum 60%. 
  • Fixed Rate end date - 30/06/2026
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
  • ~Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • 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
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • Cost for comparison - 9.0% APRC
  • Additional information: The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

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

5.84% Expat 2 Year Fixed Rate to 30/06/2026 (XF0757)

5.84% 9.19% 9.0%APRC
  • Interest-Only
60% 1.00%~

Some key features of this mortgage

  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/06/2026
  • Application fee  - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
  • Legal fees - £100 minimum for further advances
  • ^Product fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026 
  • 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 - 9.0% APRC

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

6.84% Offset Mortgage 2.35% Discounted Rate from follow on rate for 2 years (XO0069)

6.84% 9.19% 9.3%APRC
  • Interest-Only
  • Repayment
60% £999~
  • £100 cashback^
  • Payment reduction
  • Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or Payment reduction. Find out more about these options here
  • Discount - 2.35% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum rate - 4.59% 
  • Loan to Value - Maximum 60%
  • Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for switch)
  • Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property 
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount.
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies.
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount. (£0 for further advance and switch)
  • 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 - 9.3% APRC
  • Additional benefits:
     - ^Cashback
    - £100 for purchase and remortgage
  • Early Repayment Charges - 2% in the first year and 1% in the second year
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account.

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

5.19% 5 Year Fixed Rate to 30/06/2029 (XF0747)

5.19% 8.44% 6.6%APRC
  • Interest-Only
60% £999~  £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage
  • 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 - 30/06/2029
  • Application Fee - £175 + Valuation Fee
  • 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028, 1% until 30/06/2029
  • 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
  • Cost for comparison - 6.6% APRC

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

4.99% 5 Year Fixed Rate to 31/05/2029 (XF0751)

4.99% 9.19% 7.3%APRC
  • Interest-Only
  • Repayment
60% 0

Some key features of this mortgage

  • Purpose - Further advance and product switch
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/05/2029
  • Application fee - £125 for further advance, £0, for switch
  • Valuation Fees (Further advance and Product Switch) - £0
  • Legal fees - £100 minimum for further advances
  • Product fee - £0 
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • 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.

4.69% 5 Year Fixed Rate to 30/06/2029 (XF0738)

4.69% 8.44% 5.6%APRC
  • Repayment
80% £999~ £500 for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase, Remortgage, Further Advance, Product Switch
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/06/2029
  • *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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028,1% until 30/06/2029
  • 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 - 5.6% APRC.
 

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

6.94% Expat 1.50% Discounted Rate from follow on rate for 2 years (XD0212)

6.94% 8.44% 8.6%APRC
  • Interest-Only
60% £999~ £500 cashback for remortgages^
 

Some key features of this mortgage

  • Purpose - Expat for purchase, remortgage, product switch and further advance
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 4.69% 
  • Loan to Value - Maximum 60%
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£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 - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Additional benefits:
    - ^Cashback - £500 on completion for remortgage applications
  • Early Repayment Charges -  2% in the first year, 1% in the second year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.6% APRC
  • Additional criteria - We require a UK address for the serving of notice
  • See our full list of countries currently considered for Expat applications

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

6.09% 2 Year Fixed Rate to 30/06/2026 (XF0743)

6.09%% 8.44% 8.1%APRC
  • Interest-Only
80% £0

Some key features of this mortgage

  • Purpose - Product switch and further advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/06/2026
  • Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.1% APRC

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

4.79% Family Mortgage 5 Year Fixed Rate to 30/06/2029 (XF0741)

4.79% 8.44% 7.3%APRC
  • Repayment
95% £599~ £250 for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage applications for purchase, further advance, product switch
  • 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
  • Fixed Rate end date - 30/06/2029
  • *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)
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028, 1% until 30/06/2029
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase applications. £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.

7.44% Expat 1.00% Discounted Rate from follow on rate for 2 years (XD0213)

7.44% 8.44% 8.7%APRC
  • Interest-Only
80% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Expat for purchase, remortgage, product switch and further advance 
  • Discount - 1.00% applied to our Managed Mortgage Rate for 2 years
  • Minimum rate - 5.19% 
  • Loan to Value - Maximum 80%.
  • Application fee - £175 + Valuation Fee for purchase and remortgage. £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 - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Additional benefits:
    - ^Cashback - £500 on completion for remortgage applications
  • Early Repayment Charges -  2% in the first year, 1% in the second year                                     
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.7% APRC
  • Additional criteria - We require a UK address for the serving of notice.
  • See our expat page for our full list of countries currently considered for expat applications.
 

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

6.64% Offset Mortgage 1.90% Discounted Rate from follow on rate for 2 years (XO0066)

6.64% 8.54% 8.3%APRC
  • Repayment
80% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

Payment or Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction. Find out more about these options here
  • Discount - 1.90% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 4.39% 
  • Loan to Value - Maximum 80%
  • Application fee - £175 + Valuation Fee for purchase and remortgage. (£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 - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Additional benefits:
    - ^Cashback 
    - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver. 
  • Maximum loan - No maximum.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 8.3% APRC
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases.
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset.

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

5.24% 2 Year Fixed Rate to 30/06/2026 (XF0732)

5.24% 8.44% 7.4%APRC
  • Repayment
80% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 80%.
  • Fixed Rate end date - 30/06/2026
  • 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 advance, £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 advance, £0 for product switch)
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • 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
  • Additional benefits:
    ^Cashback
     - £500 cashback on completion for remortgage applications
  • Cost for comparison - 7.4% APRC

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

5.44% Expat 5 Year Fixed Rate to 31/05/2029 (XF0760)

5.44% 9.19% 8.2%APRC
  • Interest-Only
70% 1.00%~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / remortgage applications submitted from directly authorised brokers. 
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 31/05/2029
  • Application fee  - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
  • Legal fees - £100 minimum for further advances
  • ~Product fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
  • 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 - 8.2% APRC

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

5.89% Ltd Co 2 Year Fixed Rate to 30/06/2026 (XF0754)

5.89% 9.19% 9.0%APRC
  • Interest-Only
  • Repayment
70% 1.00%~

Some key features of this mortgage

  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 30/06/2026
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
  • ~Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • 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
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • Cost for comparison - 9.0% APRC
  • Additional information: The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209.

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

5.49% 2 Year Fixed Rate to 30/06/2026 (XF0749)

5.49% 9.19% 8.6%APRC
  • Interest-Only
  • Repayment
60% 0

Some key features of this mortgage

  • Purpose - Further advance and product switch
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/06/2026
  • Application fee - £125 for further advance, £0, for switch
  • Valuation Fees (Further advance and Product Switch) - £0
  • Legal Fees - £100 minimum for further advances
  • Product fee - £0
  • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.6% APRC.

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

4.59% 5 Year Fixed Rate to 30/06/2029 (XF0737)

4.59% 8.44% 5.5%APRC
  • Repayment
60% £999~ £500 for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase, Remortgage, Further Advance, Product Switch
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/06/2029
  • *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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2025, 4% until 30/06/2026, 3% until 30/06/2027, 2% until 30/06/2028, 1% until 30/06/2029
  • 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 - 5.5% APRC

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

    5.39% JBSP 2 Year Fixed Rate to 30/06/2026 (XF0734)

    5.39% 8.44% 8.1%APRC
    • Repayment
    80% £599~

    £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor 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 80%
    • Fixed Rate end date - 30/06/2026
    • Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switches.)
    • 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)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
    • Maximum loan - £500,000
    • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 8.1% APRC

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

    5.44% Expat 5 Year Fixed Rate to 31/05/2029 (XF0760)

    5.44%% 9.19% 7.8%APRC
    • Interest-Only
    70% 0

    Some key features of this mortgage

    • Purpose - Expat product switch and further advance
    • Loan to Value - Maximum 70%
    • Fixed Rate end date - 31/05/2029
    • *Application Fee - £125 for further advance, £0 for switch
    • Valuation Fees (Further advance and Product Switch) - £0
    • Product Fee - £0
    • Legal fees - £100 minimum for further advances
    • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
    • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
    • 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.

    5.14% 5 Year Fixed Rate to 31/05/2029 (XF0752)

    5.14% 9.19% 7.9%APRC
    • Interest-Only
    • Repayment
    70% £999

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, further advance and product switch
    • Loan to Value - Maximum 70%
    • Fixed Rate end date - 31/05/2029
    • Application fee - £175 + Valuation Fee for purchase, remortgage. (£125 for further advance, £0 for product switch)
    • Valuation Fees (Purchase) - Full standard valuation fee scale applies.
    • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
    • Valuation Fees (Further advance and Product Switch) - £0
    • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
    • Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch)
    • Early Repayment Charges - 5% until 31/05/2025, 4% until 31/05/2026, 3% until 31/05/2027, 2% until 31/05/2028, 1% until 31/05/2029
    • 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 - 7.9% APRC

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

    5.64% 2 Year Fixed Rate to 30/06/2026 (XF0750)

    5.64% 9.19% 8.9%APRC
    • Interest-Only
    • Repayment
    70% £999

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, further advance and product switch
    • Loan to Value - Maximum 70%
    • Fixed Rate end date - 30/06/2026
    • Application fee - £175 + Valuation Fee for purchase, remortgage. (£125 for further advance, £0 for product switch)
    • Valuation Fees (Purchase) - Full standard valuation fee scale applies.
    • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
    • Valuation Fees (Further advance and Product Switch) - £0
    • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies 
    • Product fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch)
    • Early Repayment Charges - 2% until 30/06/2025, 1% until 30/06/2026
    • 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 - 8.9% APRC

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

    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 - The Family Mortgage - helping first time buyers with small deposits

    Choosing the Family Mortgage to buy their first home together

    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

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