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Only		 FTB

5.44% Expat 2 Year Fixed Rate to 30/11/2027 (XF1061)

 Code XF1061 (EB)
30/11/2027 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 - 30/11/2027
  • *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 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

5.34% Expat 5 Year Fixed Rate to 30/11/2030 (XF1062)

 Code XF1062 (EB)
30/11/2030 8.69% 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 - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2030
  • *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 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

5.34% 2 Year Fixed Rate to 30/11/2027 (XF1036)

 Code XF1036 (Direct)
30/11/2027 7.94% 60% £175* £0~ £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 60%
  • Fixed Rate end date - 30/11/2027
  • *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 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.5% APRC.

5.49% Expat 5 Year Fixed Rate to 30/11/2030 (XF1063)

 Code XF1063 (EB)
30/11/2030 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 - 30/11/2030
  • *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 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

5.49% 2 Year Fixed Rate to 30/11/2027 (XF1037)

 Code XF1037 (Direct)
30/11/2027 7.94% 80% £175* £0~ £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 - 30/11/2027
  • *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 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

5.19% 2 Year Fixed Rate to 30/11/2027 (XF1039)

 Code XF1039 (Direct)
30/11/2027 7.94% 80% £175* 1.00%~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - 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 - 30/11/2027
  • *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 - 1% of the loan amount.
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £2,000,000
  • Minimum Loan - £500,001 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

5.04% 2 Year Fixed Rate to 30/11/2027 (XF1038)

 Code XF1038 (Direct)
30/11/2027 7.94% 60% £175* 1.00%~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - 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 60%
  • Fixed Rate end date - 30/11/2027
  • *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 - 1% of the loan amount.
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £4,000,000
  • Minimum Loan - £500,001 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

5.49% Expat 5 Year Fixed Rate to 30/11/2030 (XF1063)

 Code XF1063 (Direct)
30/11/2030 8.69% 75% £175* 1.00%~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2030
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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.

5.34% Expat 5 Year Fixed Rate to 30/11/2030 (XF1062)

 Code XF1062 (Direct)
30/11/2030 8.69% 60% £175* 1.00%~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2030
  • *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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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.

5.29% 5 Year Fixed Rate to 31/10/2030 (XF1043)

 Code XF1043 (Direct)
31/10/2030 7.94% 60% £175* £0~ £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 60%
  • Fixed Rate end date - 31/10/2030
  • *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 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.8% APRC.

5.44% 5 Year Fixed Rate to 31/10/2030 (XF1044)

 Code XF1044 (Direct)
31/10/2030 7.94% 80% £175* £0~ £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 - 31/10/2030
  • *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 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.9% APRC.

5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

 Code XD0219
3 years 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
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • Loan to Value - Maximum 60%
  • *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 - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.7% APRC.

6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

 Code XD0220
3 years 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
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • Loan to Value - Maximum 80%
  • *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 - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.8% APRC.

6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

 Code XD0215 (EB)
2 years 7.94% 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 - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 60%
  • *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% in the first year, 1% in the second year
  • 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
  • ^Cashback - £0
  • Cost for comparison - 7.9% APRC.

6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

 Code XD0220 (EB)
3 years 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
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • Loan to Value - 80%
  • *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% in the first year, 2% in the second year, 1% in the third year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 7.6% APRC.

5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

 Code XD0219 (EB)
3 years 7.94% 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
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • Loan to Value - 60%
  • *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% in the first year, 2% in the second year, 1% in the third year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 7.5% APRC.

6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

 Code XD0216 (EB)
2 years 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 - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - 80%
  • *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% in the first year, 1% in the second year
  • 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
  • ^Cashback - £0
  • Cost for comparison - 8.0% APRC.

6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)

 Code XD0218 (EB-)
2 years 7.94% 80% £0* £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
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.44%
  • Loan to Value - 80%
  • *Application Fee - £0 for Product Switches
  • Legal Fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • ^Cashback - £0
  • Cost for comparison - 7.9% APRC.

6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

 Code XD0217 (EB-)
2 years 7.94% 60% £0* £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
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.19%
  • Loan to Value - 60%
  • *Application Fee - £0 for Product Switches
  • Legal Fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • ^Cashback - £0
  • Cost for comparison - 7.8% APRC.

6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

 Code XD0216
2 years 7.94% 80% £175* £599~ £500^ No Yes 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 Purchase and Remortgage
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - Maximum 80%
  • *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 - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.0% 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

5.44% Expat 2 Year Fixed Rate to 30/11/2027 (XF1061)
5.44% 8.69% 8.3%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 - 30/11/2027
  • 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 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

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5.34% Expat 5 Year Fixed Rate to 30/11/2030 (XF1062)
5.34% 8.69% 7.5%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2030
  • 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 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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5.34% 2 Year Fixed Rate to 30/11/2027 (XF1036)
5.34% 7.94% 7.5%APRC
  • Interest-Only
 60% £0~

£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 60%
  • Fixed Rate end date - 30/11/2027
  • 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 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.5% APRC.

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5.49% Expat 5 Year Fixed Rate to 30/11/2030 (XF1063)
5.49% 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 - 30/11/2030
  • 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 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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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5.49% 2 Year Fixed Rate to 30/11/2027 (XF1037)
5.49% 7.94% 7.6%APRC
  • Interest-Only
 80% £0~

£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 - 30/11/2027
  • 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 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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5.19% 2 Year Fixed Rate to 30/11/2027 (XF1039)
5.19% 7.94% 7.6%APRC
  • Interest-Only
 80% 1.00%~

£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 - 30/11/2027
  • 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 - 1% of the loan amount.
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £2,000,000
  • Minimum Loan - £500,001 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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5.04% 2 Year Fixed Rate to 30/11/2027 (XF1038)
5.04% 7.94% 7.6%APRC
  • Interest-Only
 60% 1.00%~

£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 60%
  • Fixed Rate end date - 30/11/2027
  • 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 - 1% of the loan amount.
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £4,000,000
  • Minimum Loan - £500,001 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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5.49% Expat 5 Year Fixed Rate to 30/11/2030 (XF1063)
5.49% 8.69% 7.8%APRC
  • Interest-Only
 75% 1.00%~

£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, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2030
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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.

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

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5.34% Expat 5 Year Fixed Rate to 30/11/2030 (XF1062)
5.34% 8.69% 7.8%APRC
  • Interest-Only
 60% 1.00%~

£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, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2030
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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.

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

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5.29% 5 Year Fixed Rate to 31/10/2030 (XF1043)
5.29% 7.94% 6.8%APRC
  • Interest-Only
 60% £0~

£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 60%
  • Fixed Rate end date - 31/10/2030
  • 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 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.8% APRC.

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

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5.44% 5 Year Fixed Rate to 31/10/2030 (XF1044)
5.44% 7.94% 6.9%APRC
  • Interest-Only
 80% £0~

£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 - 31/10/2030
  • 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 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.9% APRC.

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

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5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)
5.94% 7.94% 7.7%APRC
  • Interest-Only
 60% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • Loan to Value - Maximum 60%
  • 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 - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.7% APRC.

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

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6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)
6.19% 7.94% 7.8%APRC
  • Interest-Only
 80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • Loan to Value - Maximum 80%
  • 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 - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.8% APRC.

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

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6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)
6.09% 7.94% 7.9%APRC
  • Interest-Only
 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
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 60%
  • 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% in the first year, 1% in the second year
  • 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 - 7.9% APRC.

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

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6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)
6.19% 7.94% 7.6%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • Loan to Value - 80%
  • 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% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

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

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5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)
5.94% 7.94% 7.5%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • Loan to Value - 60%
  • 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% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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

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6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)
6.34% 7.94% 8.0%APRC
  • Interest-Only
 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
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - 80%
  • 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% in the first year, 1% in the second year
  • 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 - 8.0% APRC.

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

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6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)
6.44% 7.94% 7.9%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.44%
  • Loan to Value - 80%
  • Application fee - £0 for Product Switches
  • Legal fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • Cost for comparison - 7.9% APRC.

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

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6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)
6.19% 7.94% 7.8%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.19%
  • Loan to Value - 60%
  • Application fee - £0 for Product Switches
  • Legal fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • Cost for comparison - 7.8% APRC.

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

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6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)
6.34% 7.94% 8.0%APRC
  • Interest-Only
 80% £599~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - Maximum 80%
  • 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 - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 8.0% APRC.

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

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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 - A second chance at being a homeowner in retirement

Alicia wanted to relocate and become a homeowner again in her retirement

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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