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Our new 1 Year Fixed Rate Bond (58) paying 4.39% Gross AER on balances of £10,000+ is now on sale. Find out more and apply online.
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Online Service update. Due to planned essential maintenance our Online Service will be unavailable between 10.00pm on Thursday 19 June until 02:00am on Friday 20 June. We apologise for any inconvenience this may cause.
Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Cashback on Completion |
Repayment | Interest Only |
FTB | |
---|---|---|---|---|---|---|---|---|---|---|
5.04% 2 Year Fixed Rate to 30/11/2027 (XF1026) |
Code XF1026 | |||||||||
More info | 30/11/2027 | 7.94% | 80% | £175* | £999~ | £500^ | Yes | No | Yes | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
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4.94% 2 Year Fixed Rate to 30/11/2027 (XF1025) |
Code XF1025 | |||||||||
More info | 30/11/2027 | 7.94% | 60% | £175* | £999~ | £500^ | Yes | No | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.19% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1028) |
Code XF1028 | |||||||||
More info | 30/11/2027 | 7.94% | 90% | £None | £599~ | £500^ | Yes | No | Yes | |
More info
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Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
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5.09% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1027) |
Code XF1027 | |||||||||
More info | 30/11/2027 | 7.94% | 80% | £None | £599~ | £500^ | Yes | No | Yes | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
4.89% 5 Year Fixed Rate to 31/10/2030 (XF1031) |
Code XF1031 | |||||||||
More info | 31/10/2030 | 7.94% | 60% | £175* | £999~ | £500^ | Yes | No | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
4.99% 5 Year Fixed Rate to 31/10/2030 (XF1032) |
Code XF1032 | |||||||||
More info | 31/10/2030 | 7.94% | 80% | £175* | £999~ | £500^ | Yes | No | Yes | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
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5.34% 2 Year Fixed Rate to 30/11/2027 (XF1040) |
Code XF1040 | |||||||||
More info | 30/11/2027 | 7.94% | 60% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.14% JBSP 5 Year Fixed Rate to 31/10/2030 (XF1033) |
Code XF1033 | |||||||||
More info | 31/10/2030 | 7.94% | 80% | £None | £599~ | £500^ | Yes | No | Yes | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
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5.24% JBSP 5 Year Fixed Rate to 31/10/2030 (XF1034) |
Code XF1034 | |||||||||
More info | 31/10/2030 | 7.94% | 90% | £None | £599~ | £500^ | Yes | No | Yes | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.29% Family Mortgage 5 Year Fixed Rate to 31/10/2030 (XF1035) |
Code XF1035 | |||||||||
More info | 31/10/2030 | 7.94% | 95% | £175* | £599~ | £250^ | Yes | No | Yes | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.49% 2 Year Fixed Rate to 30/11/2027 (XF1041) |
Code XF1041 | |||||||||
More info | 30/11/2027 | 7.94% | 80% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.44% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1042) |
Code XF1042 | |||||||||
More info | 30/11/2027 | 7.94% | 60% | £175* | £599~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
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5.29% 5 Year Fixed Rate to 31/10/2030 (XF1045) |
Code XF1045 | |||||||||
More info | 31/10/2030 | 7.94% | 60% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.44% 5 Year Fixed Rate to 31/10/2030 (XF1046) |
Code XF1046 | |||||||||
More info | 31/10/2030 | 7.94% | 80% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.54% RIO 5 Year Fixed Rate to 31/10/2030 (XFZ029) |
Code XFZ029 | |||||||||
More info | 31/10/2030 | 7.94% | 50% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.24% 2 Year Fixed Rate to 30/11/2027 (XF1048) |
Code XF1048 | |||||||||
More info | 30/11/2027 | 8.69% | 60% | £175* | £999~ | £0^ | Yes | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.39% 2 Year Fixed Rate to 30/11/2027 (XF1049) |
Code XF1049 | |||||||||
More info | 30/11/2027 | 8.69% | 75% | £175* | £999~ | £0^ | Yes | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.29% 5 Year Fixed Rate to 30/11/2030 (XF1050) |
Code XF1050 | |||||||||
More info | 30/11/2030 | 8.69% | 60% | £175* | £999~ | £0^ | Yes | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.44% 5 Year Fixed Rate to 30/11/2030 (XF1051) |
Code XF1051 | |||||||||
More info | 30/11/2030 | 8.69% | 75% | £175* | £999~ | £0^ | Yes | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.39% Ltd Co 2 Year Fixed Rate to 30/11/2027 (XF1053) |
Code XF1053 | |||||||||
More info | 30/11/2027 | 8.69% | 75% | £175* | 1.00%~ | £0^ | Yes | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
- 1 (current)
- 2
- 3
- 4
- 5
Initial interest rate | Current follow on rate | Overall cost for comparison | Repayment or Interest-Only? | Max % Loan to Value (LTV) | Product fees |
Additional benefits |
||||
---|---|---|---|---|---|---|---|---|---|---|
5.04% 2 Year Fixed Rate to 30/11/2027 (XF1026) |
||||||||||
5.04% | 7.94% |
7.2% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.94% 2 Year Fixed Rate to 30/11/2027 (XF1025) |
||||||||||
4.94% | 7.94% |
7.1% |
|
60% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.19% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1028) |
||||||||||
5.19% | 7.94% |
7.6% |
|
90% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.09% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1027) |
||||||||||
5.09% | 7.94% |
7.6% |
|
80% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.89% 5 Year Fixed Rate to 31/10/2030 (XF1031) |
||||||||||
4.89% | 7.94% |
6.1% |
|
60% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.99% 5 Year Fixed Rate to 31/10/2030 (XF1032) |
||||||||||
4.99% | 7.94% |
6.1% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.34% 2 Year Fixed Rate to 30/11/2027 (XF1040) |
||||||||||
5.34% | 7.94% |
7.6% |
|
60% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.14% JBSP 5 Year Fixed Rate to 31/10/2030 (XF1033) |
||||||||||
5.14% | 7.94% |
7.0% |
|
80% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.24% JBSP 5 Year Fixed Rate to 31/10/2030 (XF1034) |
||||||||||
5.24% | 7.94% |
7.0% |
|
90% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.29% Family Mortgage 5 Year Fixed Rate to 31/10/2030 (XF1035) |
||||||||||
5.29% | 7.94% |
7.1% |
|
95% | £599~ |
£250 cashback for purchase applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.49% 2 Year Fixed Rate to 30/11/2027 (XF1041) |
||||||||||
5.49% | 7.94% |
7.6% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.44% JBSP 2 Year Fixed Rate to 30/11/2027 (XF1042) |
||||||||||
5.44% | 7.94% |
7.8% |
|
60% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.29% 5 Year Fixed Rate to 31/10/2030 (XF1045) |
||||||||||
5.29% | 7.94% |
6.8% |
|
60% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.44% 5 Year Fixed Rate to 31/10/2030 (XF1046) |
||||||||||
5.44% | 7.94% |
6.9% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.54% RIO 5 Year Fixed Rate to 31/10/2030 (XFZ029) |
||||||||||
5.54% | 7.94% |
7.0% |
|
50% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.24% 2 Year Fixed Rate to 30/11/2027 (XF1048) |
||||||||||
5.24% | 8.69% |
8.4% |
|
60% | £999~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.39% 2 Year Fixed Rate to 30/11/2027 (XF1049) |
||||||||||
5.39% | 8.69% |
8.4% |
|
75% | £999~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.29% 5 Year Fixed Rate to 30/11/2030 (XF1050) |
||||||||||
5.29% | 8.69% |
7.6% |
|
60% | £999~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.44% 5 Year Fixed Rate to 30/11/2030 (XF1051) |
||||||||||
5.44% | 8.69% |
7.7% |
|
75% | £999~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.39% Ltd Co 2 Year Fixed Rate to 30/11/2027 (XF1053) |
||||||||||
5.39% | 8.69% |
8.4% |
|
75% | 1.00%~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
- 1 (current)
- 2
- 3
- 4
- 5

Comparing two mortgage products
Note that products are subject to additional terms and subject to change. See a product's full details to find out more.
Case study - A second chance at being a homeowner in retirement
Alicia wanted to relocate and become a homeowner again in her retirement
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.

Contact our expert UK team
Existing customers
Savings - 03330 140144
savings.service@familybsoc.co.uk
Mortgages - 03330 140146
mortgage.service@familybsoc.co.uk
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