Notices

We've launched a new issue of our Online Saver, paying 4.52% Gross AER on balances of £100+. Find out more

The Online Saver (11) is now available for applications via our Online Service. Find out more and apply.
Friday 11 July - High call volumes

Due to the high volume of calls we're experiencing today, it's taking us longer than we'd like to answer your call. You may find the answers you're looking for in either our Mortgage or Savings FAQs.
If you still need our help, you can contact us by email (newbusiness@familybsoc.co.uk or mortgage.service@familybsoc.co.uk or savings.service@familybsoc.co.uk) or complete our callback form and we'll call you back at a time convenient for you. Thank you.
Our new and improved Online Service is here. Find out more

We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use. Online Service changes
Our 1 Year Fixed Rate Bond (59) has been withdrawn from sale

Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.

RIO mortgages for existing borrowers

See our current range of Retirement Interest-Only mortgage products available for product switch.

All of these mortgage products have limited funds available and may be withdrawn at any time.

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Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Next steps
5.54% RIO 5 Year Fixed Rate to 31/10/2030 (XFZ029)						Compare
5.54%	7.94%	6.9%APRC	Interest-Only	50%	£0~	More details and apply Less info
Compare
More details and apply Less info 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 - 31/10/2030 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back

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

5.54% RIO 5 Year Fixed Rate to 31/10/2030 (XFZ029)