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Rate		 Initial
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Only		 FTB

5.79% Expat 2 Year Fixed Rate to 31/01/2027 (XF0894)

 Code XF0894
31/01/2027 8.94% 70% £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 70%
  • Fixed Rate end date - 31/01/2027
  • *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 31/01/2026, 1% until 31/01/2027
  • 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 - 8.8% APRC.

5.19% 2 Year Fixed Rate to 31/01/2027 (XF0866)

 Code XF0866 (EB)
31/01/2027 8.19% 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 - 31/01/2027
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

5.29% 2 Year Fixed Rate to 31/01/2027 (XF0867)

 Code XF0867 (EB)
31/01/2027 8.19% 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 - 31/01/2027
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)

 Code XF0868 (EB)
31/01/2027 8.19% 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 - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - £500,000 in total (across any original borrowing plus further advance(s)
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7% APRC.

5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)

 Code XF0869 (EB)
31/01/2027 8.19% 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 - 31/01/2027
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - £500,000 in total (across any original borrowing plus further advance(s)
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC.

4.94% 3 Year Fixed Rate to 31/01/2028 (XF0870)

 Code XF0870 (EB)
31/01/2028 8.19% 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 - 3% until 31/01/2026, 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 - 6.5% APRC.

4.74% 5 Year Fixed Rate to 28/02/2030 (XF0872)

 Code XF0872 (EB)
28/02/2030 8.19% 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 - 28/02/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.6% APRC.

4.84% 5 Year Fixed Rate to 28/02/2030 (XF0873)

 Code XF0873 (EB)
28/02/2030 8.19% 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 - 28/02/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.7% APRC.

5.04% 3 Year Fixed Rate to 31/01/2028 (XF0871)

 Code XF0871 (EB)
31/01/2028 8.19% 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 - 31/01/2028
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 3% until 31/01/2026, 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 - 6.6% APRC.

4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)

 Code XF0874 (EB)
28/02/2030 8.19% 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 - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Loan to Value - 60%
  • Fixed Rate end date - 28/02/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - £500,000 in total (across any original borrowing plus further advance(s)
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.7% APRC.

4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)

 Code XF0875 (EB)
28/02/2030 8.19% 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 - 28/02/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - £500,000 in total (across any original borrowing plus further advance(s)
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.7% APRC.

5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)

 Code XF0876 (EB)
28/02/2030 8.19% 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 - 28/02/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - £500,000 in total (across any original borrowing plus further advance(s)
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.1% APRC.

5.49% 2 Year Fixed Rate to 31/01/2027 (XF0878)

 Code XF0878 (EB)
31/01/2027 8.19% 60% £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 - 60%
  • Fixed Rate end date - 31/01/2027
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7% APRC.

5.74% 2 Year Fixed Rate to 31/01/2027 (XF0879)

 Code XF0879 (EB)
31/01/2027 8.19% 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 - 31/01/2027
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC.

4.99% FFGM 5 Year Fixed Rate to 28/02/2030 (XF0884 - IO)

 Code XF0884 - IO (EB)
28/02/2030 8.19% 95% £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 - Family First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 28/02/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

5.04% 5 Year Fixed Rate to 28/02/2030 (XF0881)

 Code XF0881 (EB)
28/02/2030 8.19% 60% £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 - 60%
  • Fixed Rate end date - 28/02/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.5% APRC.

5.29% 5 Year Fixed Rate to 28/02/2030 (XF0882)

 Code XF0882 (EB)
28/02/2030 8.19% 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 - 28/02/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.6% APRC.

4.99% FFGM 5 Year Fixed Rate to 28/02/2030 (XF0884 - RP)

 Code XF0884 - RP (EB)
28/02/2030 8.19% 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 First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 28/02/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.0% APRC.

5.54% RIO 5 Year Fixed Rate to 28/02/2030 (XFZ025)

 Code XFZ025 (EB)
28/02/2030 8.19% 50% £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 - Retirement Interest-Only applications for for Product Switch and Further Advance
  • Loan to Value - 50%
  • Fixed Rate end date - 28/02/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.1% APRC.

5.44% 2 Year Fixed Rate to 31/01/2027 (XF0885)

 Code XF0885 (EB)
31/01/2027 8.94% 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 - 31/01/2027
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.4% 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

5.79% Expat 2 Year Fixed Rate to 31/01/2027 (XF0894)
5.79% 8.94% 8.8%APRC
  • Interest-Only
 70% 1.00%~

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 31/01/2027
  • 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 31/01/2026, 1% until 31/01/2027
  • 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 - 8.8% APRC.

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5.19% 2 Year Fixed Rate to 31/01/2027 (XF0866)
5.19% 8.19% 7.2%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 - 31/01/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

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5.29% 2 Year Fixed Rate to 31/01/2027 (XF0867)
5.29% 8.19% 7.2%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 - 31/01/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.2% APRC.

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5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)
5.29% 8.19% 7.7%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - £500,000 in total (across any original borrowing plus further advance(s)
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7% APRC.

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5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)
5.39% 8.19% 7.8%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 - 31/01/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - £500,000 in total (across any original borrowing plus further advance(s)
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC.

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4.94% 3 Year Fixed Rate to 31/01/2028 (XF0870)
4.94% 8.19% 6.5%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 - 3% until 31/01/2026, 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 - 6.5% APRC.

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4.74% 5 Year Fixed Rate to 28/02/2030 (XF0872)
4.74% 8.19% 5.6%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 28/02/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.6% APRC.

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4.84% 5 Year Fixed Rate to 28/02/2030 (XF0873)
4.84% 8.19% 5.7%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 28/02/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.7% APRC.

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5.04% 3 Year Fixed Rate to 31/01/2028 (XF0871)
5.04% 8.19% 6.6%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 - 31/01/2028
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 3% until 31/01/2026, 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 - 6.6% APRC.

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4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)
4.84% 8.19% 6.7%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Loan to Value - 60%
  • Fixed Rate end date - 28/02/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - £500,000 in total (across any original borrowing plus further advance(s)
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.7% APRC.

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4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)
4.94% 8.19% 6.7%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Loan to Value - 80%
  • Fixed Rate end date - 28/02/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - £500,000 in total (across any original borrowing plus further advance(s)
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.7% APRC.

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5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)
5.09% 8.19% 7.1%APRC
  • Repayment
 95% £0~

Some key features of this mortgage

  • Purpose - Family Mortgage applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 28/02/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - £500,000 in total (across any original borrowing plus further advance(s)
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.1% APRC.

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5.49% 2 Year Fixed Rate to 31/01/2027 (XF0878)
5.49% 8.19% 7.7%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7% APRC.

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5.74% 2 Year Fixed Rate to 31/01/2027 (XF0879)
5.74% 8.19% 7.8%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 - 31/01/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC.

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4.99% FFGM 5 Year Fixed Rate to 28/02/2030 (XF0884 - IO)
4.99% 8.19% 7.3%APRC
  • Interest-Only
 95% £0~

Some key features of this mortgage

  • Purpose - Family First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 28/02/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

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5.04% 5 Year Fixed Rate to 28/02/2030 (XF0881)
5.04% 8.19% 6.5%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 28/02/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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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5.29% 5 Year Fixed Rate to 28/02/2030 (XF0882)
5.29% 8.19% 6.6%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 28/02/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.6% APRC.

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4.99% FFGM 5 Year Fixed Rate to 28/02/2030 (XF0884 - RP)
4.99% 8.19% 7.0%APRC
  • Repayment
 95% £0~

Some key features of this mortgage

  • Purpose - Family First Guarantor applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Fixed Rate end date - 28/02/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.0% APRC.

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5.54% RIO 5 Year Fixed Rate to 28/02/2030 (XFZ025)
5.54% 8.19% 7.1%APRC
  • Interest-Only
 50% £0~

Some key features of this mortgage

  • Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance
  • Loan to Value - 50%
  • Fixed Rate end date - 28/02/2030
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • 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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5.44% 2 Year Fixed Rate to 31/01/2027 (XF0885)
5.44% 8.94% 8.4%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 - 31/01/2027
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.4% 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

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