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5.19% Family Mortgage 5 Year Fixed Rate to 31/01/2031 (XF1078)

 Code XF1078
31/01/2031 7.94% 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 purchase applications
  • Loan to Value - Maximum 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 31/01/2031
  • *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 - £599 for loans up to £500,000
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Puchase applications
  • Cost for comparison - 7.0% APRC.

4.99% Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1100)

 Code XF1100
28/02/2031 8.69% 75% £175* 3.00%~ £0^ Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 3% of the loan amount, subject to a minimum of £1,500
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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 - 7.8% APRC.
  • Additional criteria - 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, 68209 or 68320.

5.19% 2 Year Fixed Rate to 31/01/2028 (XF1089)

 Code XF1089 (EB)
31/01/2028 8.69% 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 applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2028
  • *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 - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

5.14% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1071)

 Code XF1071
31/01/2028 7.94% 90% £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 and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/01/2028
  • *Application Fee - None
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

5.34% 2 Year Fixed Rate to 31/01/2028 (XF1081)

 Code XF1081
31/01/2028 7.94% 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 and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2028
  • *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 - 2% until 31/01/2027, 1% until 31/01/2028
  • 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 - 7.6% APRC.

5.24% 5 Year Fixed Rate to 28/02/2031 (XF1091)

 Code XF1091 (EB)
28/02/2031 8.69% 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 applications
  • Loan to Value - 60%
  • Fixed Rate end date - 28/02/2031
  • *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 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.1% APRC.

5.19% Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1095)

 Code XF1095 (EB)
31/01/2028 8.69% 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 - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2028
  • *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 - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

5.64% HMO Expat 5 Year Fixed Rate to 28/02/2031 (XF1110)

 Code XF1110 (EB)
28/02/2031 8.69% 75% £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 applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 28/02/2031
  • *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 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

5.44% 5 Year Fixed Rate to 31/01/2031 (XF1087)

 Code XF1087 (EB)
31/01/2031 7.94% 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 - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2031
  • *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 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.5% APRC.

4.99% 3 Year Fixed Rate to 31/01/2029 (XF1073)

 Code XF1073 (EB)
31/01/2029 7.94% 80% £125* £0~ £0 Yes No 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 applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/01/2029
  • *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 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.3% APRC.

5.49% HMO Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1103)

 Code XF1103
28/02/2031 8.69% 75% £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 - HMO Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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 - 7.8% APRC.
  • Additional criteria - 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, 68209 or 68320

    HMO Specific Criteria

  • Properties with four, or fewer, lettable bedrooms with a maximum of 6 occupants will be considered
  • The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company
  • Not available for student lets and care homes.

4.89% 2 Year Fixed Rate to 31/01/2028 (XF1068)

 Code XF1068 (EB)
31/01/2028 7.94% 60% £125* £0~ £0 Yes No 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 applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2028
  • *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 - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

5.34% 2 Year Fixed Rate to 31/01/2028 (XF1090)

 Code XF1090
31/01/2028 8.69% 75% £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 and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/01/2028
  • *Application Fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • 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 - 8.4% APRC.

5.44% 5 Year Fixed Rate to 31/01/2031 (XF1085)

 Code XF1085 (Direct)
31/01/2031 7.94% 80% £175* 0.00%~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2031
  • *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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.9% APRC.

5.49% 2 Year Fixed Rate to 31/01/2028 (XF1082)

 Code XF1082
31/01/2028 7.94% 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 - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2028
  • *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 - 2% until 31/01/2027, 1% until 31/01/2028
  • 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 - 7.7% APRC.

5.04% JBSP 5 Year Fixed Rate to 31/01/2031 (XF1076)

 Code XF1076 (EB)
31/01/2031 7.94% 80% £125* £0~ £0 Yes No No  
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 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 - 31/01/2031
  • *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 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031
  • 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 - 6.6% APRC.

5.34% 2 Year Fixed Rate to 31/01/2028 (XF1090)

 Code XF1090 (EB)
31/01/2028 8.69% 75% £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 applications
  • Loan to Value - 75%
  • Fixed Rate end date - 31/01/2028
  • *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 - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

5.39% Expat 2 Year Fixed Rate to 31/01/2028 (XF1105)

 Code XF1105
31/01/2028 8.69% 75% £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 applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/01/2028
  • *Application Fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • 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 - 8.5% APRC.

5.19% Family Mortgage 5 Year Fixed Rate to 31/01/2031 (XF1078)

 Code XF1078 (EB)
31/01/2031 7.94% 95% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • 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 - 31/01/2031
  • *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 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031
  • 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 - 7.0% APRC.

5.49% 2 Year Fixed Rate to 31/01/2028 (XF1080)

 Code XF1080 (Direct)
31/01/2028 7.94% 80% £175* 0.00%~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2028
  • *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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% 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

5.19% Family Mortgage 5 Year Fixed Rate to 31/01/2031 (XF1078)
5.19% 7.94% 7.0%APRC
  • Repayment
 95% £599~

£250 cashback for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage purchase applications
  • Loan to Value - Maximum 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 31/01/2031
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Puchase applications
  • Cost for comparison - 7.0% APRC.

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4.99% Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1100)
4.99% 8.69% 7.8%APRC
  • Interest-Only
  • Repayment
 75% 3.00%~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • Application fee - £175 + Valuation Fee
  • 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 (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 - 3% of the loan amount, subject to a minimum of £1,500
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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 - 7.8% APRC.
  • Additional criteria - 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, 68209 or 68320.

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5.19% 2 Year Fixed Rate to 31/01/2028 (XF1089)
5.19% 8.69% 8.1%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 - 31/01/2028
  • 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 - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

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5.14% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1071)
5.14% 7.94% 7.6%APRC
  • Repayment
 90% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/01/2028
  • Application fee - None
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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5.34% 2 Year Fixed Rate to 31/01/2028 (XF1081)
5.34% 7.94% 7.6%APRC
  • Interest-Only
 60% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2028
  • 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 - 2% until 31/01/2027, 1% until 31/01/2028
  • 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 - 7.6% APRC.

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5.24% 5 Year Fixed Rate to 28/02/2031 (XF1091)
5.24% 8.69% 7.1%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 - 28/02/2031
  • 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 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.1% APRC.

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5.19% Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1095)
5.19% 8.69% 8.2%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 - 31/01/2028
  • 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 - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

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5.64% HMO Expat 5 Year Fixed Rate to 28/02/2031 (XF1110)
5.64% 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 - 28/02/2031
  • 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 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

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5.44% 5 Year Fixed Rate to 31/01/2031 (XF1087)
5.44% 7.94% 6.5%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 - 31/01/2031
  • 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 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.5% APRC.

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4.99% 3 Year Fixed Rate to 31/01/2029 (XF1073)
4.99% 7.94% 6.3%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 - 31/01/2029
  • 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 31/01/2027, 2% until 31/01/2028, 1% until 31/01/2029
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.3% APRC.

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5.49% HMO Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1103)
5.49% 8.69% 7.8%APRC
  • Interest-Only
  • Repayment
 75% 1.00%~

Some key features of this mortgage

  • Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 28/02/2031
  • Application fee - £175 + Valuation Fee
  • Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount
  • ~Product Fee - 1% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £0
  • Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031
  • 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 - 7.8% APRC.
  • Additional criteria - 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, 68209 or 68320

    HMO Specific Criteria

  • Properties with four, or fewer, lettable bedrooms with a maximum of 6 occupants will be considered
  • The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company
  • Not available for student lets and care homes.

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4.89% 2 Year Fixed Rate to 31/01/2028 (XF1068)
4.89% 7.94% 6.8%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 - 31/01/2028
  • 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 - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

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5.34% 2 Year Fixed Rate to 31/01/2028 (XF1090)
5.34% 8.69% 8.4%APRC
  • Interest-Only
  • Repayment
 75% £999~

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/01/2028
  • Application fee - £175 + Valuation Fee
  • 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 (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
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • 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 - 8.4% APRC.

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5.44% 5 Year Fixed Rate to 31/01/2031 (XF1085)
5.44% 7.94% 6.9%APRC
  • Interest-Only
 80% 0.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2031
  • 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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.9% APRC.

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5.49% 2 Year Fixed Rate to 31/01/2028 (XF1082)
5.49% 7.94% 7.7%APRC
  • Interest-Only
 80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2028
  • 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 - 2% until 31/01/2027, 1% until 31/01/2028
  • 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 - 7.7% APRC.

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5.04% JBSP 5 Year Fixed Rate to 31/01/2031 (XF1076)
5.04% 7.94% 6.6%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 - 31/01/2031
  • 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 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031
  • 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 - 6.6% APRC.

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5.34% 2 Year Fixed Rate to 31/01/2028 (XF1090)
5.34% 8.69% 8.2%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 - 31/01/2028
  • 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 - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

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5.39% Expat 2 Year Fixed Rate to 31/01/2028 (XF1105)
5.39% 8.69% 8.5%APRC
  • Interest-Only
 75% 1.00%~

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 75%
  • Fixed Rate end date - 31/01/2028
  • Application fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • 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 - 8.5% APRC.

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5.19% Family Mortgage 5 Year Fixed Rate to 31/01/2031 (XF1078)
5.19% 7.94% 7.0%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 - 31/01/2031
  • 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 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031
  • 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 - 7.0% APRC.

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5.49% 2 Year Fixed Rate to 31/01/2028 (XF1080)
5.49% 7.94% 7.6%APRC
  • Interest-Only
 80% 0.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2028
  • 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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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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 - 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

...or ask the way that suits you.

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