Notices

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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

5.74% 2 Year Fixed Rate to 31/08/2028 (XF1256)
5.74% 7.54% 6.9%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/08/2028
  • 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 31/08/2027, 1% until 31/08/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.9% APRC.

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5.89% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1257)
5.89% 7.54% 7.3%APRC
  • Repayment
 90% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Loan to Value - 90%
  • Fixed Rate end date - 31/08/2028
  • 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 31/08/2027, 1% until 31/08/2028
  • 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 - 7.3% APRC.

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6.34% 2 Year Fixed Rate to 31/08/2028 (XF1261)
6.34% 7.54% 7.5%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/08/2028
  • *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 31/08/2027, 1% until 31/08/2028
  • 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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5.59% 5 Year Fixed Rate to 31/08/2031 (XF1258)
5.59% 7.54% 6.0%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 31/08/2031
  • *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 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.0% APRC.

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4.99% (2.55% discounted rate from follow on rate) for 2 years (XD0222)
4.99% 7.54% 6.7%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.55% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.24%
  • 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 - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 6.7% APRC.

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5.09% JBSP (2.45% discounted rate from follow on rate) for 2 years (XD0223)
5.09% 7.54% 7.1%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Discount - 2.45% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.34%
  • 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 - 7.1% APRC.

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5.74% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1259)
5.74% 7.54% 6.7%APRC
  • Repayment
 90% £0~

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Loan to Value - 90%
  • Fixed Rate end date - 31/08/2031
  • *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 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031
  • Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s))
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 6.7% APRC.

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

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5.34% (2.20% discounted rate from follow on rate) for 2 years (XD0224)
5.34% 7.54% 7.2%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.20% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.59%
  • 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 - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 7.2% APRC.

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

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5.49% JBSP (2.05% discounted rate from follow on rate) for 2 years (XD0225)
5.49% 7.54% 7.4%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 - 2.05% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.74%
  • 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 - 7.4% APRC.

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6.34% RIO 5 Year Fixed Rate to 31/08/2031 (XFZ034)
6.34% 7.54% 7.1%APRC
  • Interest-Only
 50% £0~

Some key features of this mortgage

  • Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance
  • Loan to Value - 50%
  • Fixed Rate end date - 31/08/2031
  • *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 31/08/2027, 4% until 31/08/2028, 3% until 31/08/2029, 2% until 31/08/2030, 1% until 31/08/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.1% APRC.

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

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6.34% 2 Year Fixed Rate to 31/08/2028 (XF1265)
6.34% 8.29% 8.1%APRC
  • Interest-Only
  • Repayment
 75% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 31/08/2028
  • *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 31/08/2027, 1% until 31/08/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

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5.39% (2.90% discounted rate from follow on rate) for 2 years (XD0227)
5.39% 8.29% 8.0%APRC
  • Interest-Only
  • Repayment
 75% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.90% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.64%
  • Loan to Value - 75%
  • *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 - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 8.0% APRC.

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

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5.69% Ltd Co (2.60% discounted rate from follow on rate) for 2 years (XD0228)
5.69% 8.29% 8.1%APRC
  • Interest-Only
  • Repayment
 75% £0~

Some key features of this mortgage

  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Discount - 2.60% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.94%
  • Loan to Value - 75%
  • *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 - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 8.1% APRC.

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6.64% Ltd Co 2 Year Fixed Rate to 31/08/2028 (XF1270)
6.64% 8.29% 8.3%APRC
  • Interest-Only
  • Repayment
 75% £0~

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 - 31/08/2028
  • *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 31/08/2027, 1% until 31/08/2028
  • 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.

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6.69% Expat 2 Year Fixed Rate to 31/08/2028 (XF1275)
6.69% 8.29% 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 - 31/08/2028
  • *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 31/08/2027, 1% until 31/08/2028
  • 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.

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5.74% Expat (2.55% discounted rate from follow on rate) for 2 years (XD0229)
5.74% 8.29% 8.1%APRC
  • Interest-Only
 75% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Discount - 2.55% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.99%
  • Loan to Value - 75%
  • *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 - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 8.1% 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.

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Contact our expert UK team

New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

newbusiness@familybsoc.co.uk

Existing customers

Savings - 03330 140144
 savings.service@familybsoc.co.uk

Mortgages - 03330 140146
 mortgage.service@familybsoc.co.uk

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