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Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment	Interest Only	FTB
5.29% 5 Year Fixed Rate to 31/01/2031 (XF1084)								Code XF1084 (Direct)
More info	31/01/2031	7.94%	60%	£175*	0.00%~	£500^	No	Yes	No
More info 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 - 31/01/2031 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - None ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.8% APRC.
5.44% HMO Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1102)								Code XF1102
More info	31/01/2028	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 Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2028 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC. Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320 HMO Specific Criteria Properties with four, or fewer, lettable bedrooms with a maximum of 6 occupants will be considered The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company Not available for student lets and care homes.
4.99% 2 Year Fixed Rate to 31/01/2028 (XF1069)								Code XF1069
More info	31/01/2028	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 Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/01/2028 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.2% APRC.
5.04% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1070)								Code XF1070
More info	31/01/2028	7.94%	80%	£0	£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 Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/01/2028 Application Fee - None Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum Loan - £1,000,000. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.6% APRC.
5.44% HMO 2 Year Fixed Rate to 31/01/2028 (XF1093)								Code XF1093
More info	31/01/2028	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 Purpose - HMO applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2028 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage)* - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC.
5.64% HMO Expat 5 Year Fixed Rate to 28/02/2031 (XF1110)								Code XF1110
More info	28/02/2031	8.69%	75%	£175*	1.00%~	£0^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - HMO Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 28/02/2031 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage)* - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.9% APRC.
5.29% 5 Year Fixed Rate to 31/01/2031 (XF1086)								Code XF1086 (EB)
More info	31/01/2031	7.94%	60%	£125*	£0~	£0	No	Yes	No
More info 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 - 31/01/2031 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.4% APRC.
5.54% RIO 5 Year Fixed Rate to 31/01/2031 (XFZ030)								Code XFZ030 (EB)
More info	31/01/2031	7.94%	50%	£125*	£0~	£0	No	Yes	No
More info 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 - 31/01/2031 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% APRC.
5.49% HMO Expat 2 Year Fixed Rate to 31/01/2028 (XF1109)								Code XF1109
More info	31/01/2028	8.69%	75%	£175*	1.00%~	£0^	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - HMO Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2028 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage)* - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC.
5.44% HMO 2 Year Fixed Rate to 31/01/2028 (XF1093)								Code XF1093 (EB)
More info	31/01/2028	8.69%	75%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 31/01/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% APRC.
5.49% Expat 5 Year Fixed Rate to 28/02/2031 (XF1107)								Code XF1107 (EB)
More info	28/02/2031	8.69%	75%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 28/02/2031 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.5% APRC.
5.24% Expat 2 Year Fixed Rate to 31/01/2028 (XF1104)								Code XF1104 (EB)
More info	31/01/2028	8.69%	60%	£125*	£0~	£0	No	Yes	No
More info 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 - 31/01/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% APRC.
5.14% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1071)								Code XF1071 (EB)
More info	31/01/2028	7.94%	90%	£125*	£0~	£0	Yes	No	No
More info 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 - 90% Fixed Rate end date - 31/01/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum Loan - £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 - 7.5% APRC.
5.34% Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1096)								Code XF1096 (EB)
More info	31/01/2028	8.69%	75%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/01/2028 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.3% APRC.
5.44% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1083)								Code XF1083
More info	31/01/2028	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 Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2028 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.8% APRC.
5.19% Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1095)								Code XF1095
More info	31/01/2028	8.69%	60%	£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 Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2028 Application fee - £175 + Valuation Fee Valuation Fees (Purchase) - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.4% APRC. Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
4.89% 5 Year Fixed Rate to 31/01/2031 (XF1074)								Code XF1074 (EB)
More info	31/01/2031	7.94%	60%	£125*	£0~	£0	Yes	No	No
More info 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 - 31/01/2031 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.5% APRC.
5.24% 5 Year Fixed Rate to 28/02/2031 (XF1091)								Code XF1091
More info	28/02/2031	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 Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 28/02/2031 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase)* - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.6% APRC.
5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)								Code XD0219
More info	3 years	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 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
More info	3 years	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 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.

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits	Next steps
5.29% 5 Year Fixed Rate to 31/01/2031 (XF1084)							Compare
5.29%	7.94%	6.8%APRC	Interest-Only	60%	0.00%~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info 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 - 31/01/2031 Application fee - £175 + Valuation Fee Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - None ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031 Maximum loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.8% 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
5.44% HMO Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1102)							Compare
5.44%	8.69%	8.5%APRC	Interest-Only Repayment	75%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2028 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC. Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320 HMO Specific Criteria Properties with four, or fewer, lettable bedrooms with a maximum of 6 occupants will be considered The SPV must have owned and maintained a Buy to Let property for a minimum period of 12 months in either personal name or whilst the director/shareholder of a Limited Company Not available for student lets and care homes. 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
4.99% 2 Year Fixed Rate to 31/01/2028 (XF1069)							Compare
4.99%	7.94%	7.2%APRC	Repayment	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/01/2028 Application fee - £175 + Valuation Fee Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.2% 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
5.04% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1070)							Compare
5.04%	7.94%	7.6%APRC	Repayment	80%	£599~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/01/2028 Application fee - None Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - £1,000,000. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.6% APRC. 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
5.44% HMO 2 Year Fixed Rate to 31/01/2028 (XF1093)							Compare
5.44%	8.69%	8.5%APRC	Interest-Only Repayment	75%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - HMO applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2028 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% 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
5.64% HMO Expat 5 Year Fixed Rate to 28/02/2031 (XF1110)							Compare
5.64%	8.69%	7.9%APRC	Interest-Only	75%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - HMO Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 28/02/2031 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.9% 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
5.29% 5 Year Fixed Rate to 31/01/2031 (XF1086)							Compare
5.29%	7.94%	6.4%APRC	Interest-Only	60%	£0~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/01/2031 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.4% 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
5.54% RIO 5 Year Fixed Rate to 31/01/2031 (XFZ030)							Compare
5.54%	7.94%	6.9%APRC	Interest-Only	50%	£0~		More details and apply Less info
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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 - 31/01/2031 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% 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
5.49% HMO Expat 2 Year Fixed Rate to 31/01/2028 (XF1109)							Compare
5.49%	8.69%	8.5%APRC	Interest-Only	75%	1.00%~		More details and apply Less info
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More details and apply Less info Some key features of this mortgage Purpose - HMO Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2028 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage) - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.5% APRC. 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
5.44% HMO 2 Year Fixed Rate to 31/01/2028 (XF1093)							Compare
5.44%	8.69%	8.2%APRC	Interest-Only Repayment	75%	£0~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 31/01/2028 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% APRC. 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
5.49% Expat 5 Year Fixed Rate to 28/02/2031 (XF1107)							Compare
5.49%	8.69%	7.5%APRC	Interest-Only	75%	£0~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 28/02/2031 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.5% 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
5.24% Expat 2 Year Fixed Rate to 31/01/2028 (XF1104)							Compare
5.24%	8.69%	8.2%APRC	Interest-Only	60%	£0~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/01/2028 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% APRC. 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
5.14% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1071)							Compare
5.14%	7.94%	7.5%APRC	Repayment	90%	£0~		More details and apply Less info
Compare
More details and apply Less info 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 - 90% Fixed Rate end date - 31/01/2028 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - £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 - 7.5% 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
5.34% Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1096)							Compare
5.34%	8.69%	8.3%APRC	Interest-Only Repayment	75%	£0~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/01/2028 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.3% 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
5.44% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1083)							Compare
5.44%	7.94%	7.8%APRC	Interest-Only	60%	£599~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2028 Application fee - £175 + Valuation Fee Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.8% 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
5.19% Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1095)							Compare
5.19%	8.69%	8.4%APRC	Interest-Only Repayment	60%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2028 Application fee - £175 + Valuation Fee Valuation Fees (Purchase) - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000 ^Cashback - £0 Early Repayment Charges - 2% until 31/01/2027, 1% until 31/01/2028 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 8.4% APRC. Additional criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320. 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
4.89% 5 Year Fixed Rate to 31/01/2031 (XF1074)							Compare
4.89%	7.94%	5.5%APRC	Repayment	60%	£0~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/01/2031 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/01/2027, 4% until 31/01/2028, 3% until 31/01/2029, 2% until 31/01/2030, 1% until 31/01/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.5% 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
5.24% 5 Year Fixed Rate to 28/02/2031 (XF1091)							Compare
5.24%	8.69%	7.6%APRC	Interest-Only Repayment	60%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 28/02/2031 Application fee - £175 + Valuation Fee Valuation Fees (Purchase) - Full standard valuation fee scale applies Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For Remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount Early Repayment Charges - 5% until 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.6% 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
5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)							Compare
5.94%	7.94%	7.7%APRC	Interest-Only	60%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info 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. Take the next step: See full details See what I could borrow Ask us to call you back
6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)							Compare
6.19%	7.94%	7.8%APRC	Interest-Only	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info 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. Take the next step: See full details See what I could borrow Ask us to call you back

Comparing two mortgage products


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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

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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.

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mortgage.service@familybsoc.co.uk

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5.29% 5 Year Fixed Rate to 31/01/2031 (XF1084)

5.44% HMO Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1102)

4.99% 2 Year Fixed Rate to 31/01/2028 (XF1069)

5.04% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1070)

5.44% HMO 2 Year Fixed Rate to 31/01/2028 (XF1093)

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

5.29% 5 Year Fixed Rate to 31/01/2031 (XF1086)

5.54% RIO 5 Year Fixed Rate to 31/01/2031 (XFZ030)

5.49% HMO Expat 2 Year Fixed Rate to 31/01/2028 (XF1109)

5.44% HMO 2 Year Fixed Rate to 31/01/2028 (XF1093)

5.49% Expat 5 Year Fixed Rate to 28/02/2031 (XF1107)

5.24% Expat 2 Year Fixed Rate to 31/01/2028 (XF1104)

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

5.34% Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1096)

5.44% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1083)

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

4.89% 5 Year Fixed Rate to 31/01/2031 (XF1074)

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

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

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

5.29% 5 Year Fixed Rate to 31/01/2031 (XF1084)

Some key features of this mortgage

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5.44% HMO Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1102)

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4.99% 2 Year Fixed Rate to 31/01/2028 (XF1069)

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5.04% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1070)

Some key features of this mortgage

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5.44% HMO 2 Year Fixed Rate to 31/01/2028 (XF1093)

Some key features of this mortgage

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

Some key features of this mortgage

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5.29% 5 Year Fixed Rate to 31/01/2031 (XF1086)

Some key features of this mortgage

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5.54% RIO 5 Year Fixed Rate to 31/01/2031 (XFZ030)

Some key features of this mortgage

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5.49% HMO Expat 2 Year Fixed Rate to 31/01/2028 (XF1109)

Some key features of this mortgage

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5.44% HMO 2 Year Fixed Rate to 31/01/2028 (XF1093)

Some key features of this mortgage

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5.49% Expat 5 Year Fixed Rate to 28/02/2031 (XF1107)

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5.24% Expat 2 Year Fixed Rate to 31/01/2028 (XF1104)

Some key features of this mortgage

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

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5.34% Ltd Co 2 Year Fixed Rate to 31/01/2028 (XF1096)

Some key features of this mortgage

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5.44% JBSP 2 Year Fixed Rate to 31/01/2028 (XF1083)

Some key features of this mortgage

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

Some key features of this mortgage

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4.89% 5 Year Fixed Rate to 31/01/2031 (XF1074)

Some key features of this mortgage

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

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

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

Some key features of this mortgage

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