-
Our new 1 Year Fixed Rate Bond (68) will be unavailable from 5pm Friday 17 April. However, the account will be back on sale for new and existing customers on Monday 20 April.
- Savings customers: Your 2025 / 2026 Annual Interest Savings Summary are currently being processed and are due to be sent from 28 April 2026.
| Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Cashback on Completion |
Repayment | Interest Only |
FTB | |
|---|---|---|---|---|---|---|---|---|---|---|
5.54% 2 Year Fixed Rate to 31/08/2028 (XF1280) |
Code XF1280 | |||||||||
| More info | 31/08/2028 | 7.54% | 60% | £175* | £999~ | £500^ | Yes | No | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.69% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1282) |
Code XF1282 | |||||||||
| More info | 31/08/2028 | 7.54% | 80% | £0* | £599~ | £500^ | Yes | No | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.79% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1283) |
Code XF1283 | |||||||||
| More info | 31/08/2028 | 7.54% | 90% | £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
|
||||||||||
5.64% 2 Year Fixed Rate to 31/08/2028 (XF1281) |
Code XF1281 | |||||||||
| More info | 31/08/2028 | 7.54% | 80% | £175* | £999~ | £500^ | Yes | No | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.49% 5 Year Fixed Rate to 31/08/2031 (XF1284) |
Code XF1284 | |||||||||
| More info | 31/08/2031 | 7.54% | 60% | £175* | £999~ | £500^ | Yes | No | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
6.04% 2 Year Fixed Rate to 31/08/2028 (XF1288) |
Code XF1288 | |||||||||
| More info | 31/08/2028 | 7.54% | 80% | £175* | £999~ | £500^ | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.79% Family Mortgage 5 Year Fixed Rate to 31/08/2031 (XF1286) |
Code XF1286 | |||||||||
| More info | 31/08/2031 | 7.54% | 100% | £0* | £0~ | £250^ | Yes | No | Yes | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.89% 2 Year Fixed Rate to 31/08/2028 (XF1287) |
Code XF1287 | |||||||||
| More info | 31/08/2028 | 7.54% | 60% | £175* | £999~ | £500^ | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.64% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1285) |
Code XF1285 | |||||||||
| More info | 31/08/2031 | 7.54% | 80% | £0* | £599~ | £500^ | Yes | No | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.89% 5 Year Fixed Rate to 31/08/2031 (XF1289) |
Code XF1289 | |||||||||
| More info | 31/08/2031 | 7.54% | 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
|
||||||||||
6.04% 5 Year Fixed Rate to 31/08/2031 (XF1290) |
Code XF1290 | |||||||||
| More info | 31/08/2031 | 7.54% | 80% | £175* | £999~ | £500^ | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.99% RIO 5 Year Fixed Rate to 31/08/2031 (XFZ035) |
Code XFZ035 | |||||||||
| More info | 31/08/2031 | 7.54% | 50% | £175* | £999~ | £500^ | No | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.94% 2 Year Fixed Rate to 31/08/2028 (XF1291) |
Code XF1291 | |||||||||
| More info | 31/08/2028 | 8.29% | 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
|
||||||||||
4.64% 2 Year Fixed Rate to 31/08/2028 (XF1292) |
Code XF1292 | |||||||||
| More info | 31/08/2028 | 8.29% | 75% | £175* | 3.00%~ | £0^ | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.89% 5 Year Fixed Rate to 31/07/2031 (XF1294) |
Code XF1294 | |||||||||
| More info | 31/07/2031 | 8.29% | 75% | £175* | £999~ | £0^ | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.94% Ltd Co 2 Year Fixed Rate to 31/08/2028 (XF1297) |
Code XF1297 | |||||||||
| More info | 31/08/2028 | 8.29% | 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
|
||||||||||
5.89% Ltd Co 5 Year Fixed Rate to 31/07/2031 (XF1300) |
Code XF1300 | |||||||||
| More info | 31/07/2031 | 8.29% | 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
|
||||||||||
4.99% Ltd Co 2 Year Fixed Rate to 31/08/2028 (XF1298) |
Code XF1298 | |||||||||
| More info | 31/08/2028 | 8.29% | 75% | £175* | 3.00%~ | £500^ | Yes | Yes | No | |
|
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
6.14% HMO 2 Year Fixed Rate to 31/08/2028 (XF1296) |
Code XF1296 | |||||||||
| More info | 31/08/2028 | 8.29% | 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
|
||||||||||
6.14% HMO Ltd Co 2 Year Fixed Rate to 31/08/2028 (XF1302) |
Code XF1302 | |||||||||
| More info | 31/08/2028 | 8.29% | 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
Additional criteria:
|
||||||||||
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 | |||
|---|---|---|---|---|---|---|---|---|---|---|
5.54% 2 Year Fixed Rate to 31/08/2028 (XF1280) |
||||||||||
| 5.54% | 7.54% |
7.2% |
|
60% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.69% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1282) |
||||||||||
| 5.69% | 7.54% |
7.5% |
|
80% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.79% JBSP 2 Year Fixed Rate to 31/08/2028 (XF1283) |
||||||||||
| 5.79% | 7.54% |
7.5% |
|
90% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.64% 2 Year Fixed Rate to 31/08/2028 (XF1281) |
||||||||||
| 5.64% | 7.54% |
7.2% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.49% 5 Year Fixed Rate to 31/08/2031 (XF1284) |
||||||||||
| 5.49% | 7.54% |
6.3% |
|
60% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.04% 2 Year Fixed Rate to 31/08/2028 (XF1288) |
||||||||||
| 6.04% | 7.54% |
7.5% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.79% Family Mortgage 5 Year Fixed Rate to 31/08/2031 (XF1286) |
||||||||||
| 5.79% | 7.54% |
7.1% |
|
100% | £0~ |
£250 cashback for purchase applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.89% 2 Year Fixed Rate to 31/08/2028 (XF1287) |
||||||||||
| 5.89% | 7.54% |
7.5% |
|
60% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.64% JBSP 5 Year Fixed Rate to 31/08/2031 (XF1285) |
||||||||||
| 5.64% | 7.54% |
7.0% |
|
80% | £599~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.89% 5 Year Fixed Rate to 31/08/2031 (XF1289) |
||||||||||
| 5.89% | 7.54% |
7.0% |
|
60% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.04% 5 Year Fixed Rate to 31/08/2031 (XF1290) |
||||||||||
| 6.04% | 7.54% |
7.0% |
|
80% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.99% RIO 5 Year Fixed Rate to 31/08/2031 (XFZ035) |
||||||||||
| 5.99% | 7.54% |
7.0% |
|
50% | £999~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.94% 2 Year Fixed Rate to 31/08/2028 (XF1291) |
||||||||||
| 5.94% | 8.29% |
8.2% |
|
75% | £999~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.64% 2 Year Fixed Rate to 31/08/2028 (XF1292) |
||||||||||
| 4.64% | 8.29% |
8.2% |
|
75% | 3.00%~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.89% 5 Year Fixed Rate to 31/07/2031 (XF1294) |
||||||||||
| 5.89% | 8.29% |
7.7% |
|
75% | £999~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.94% Ltd Co 2 Year Fixed Rate to 31/08/2028 (XF1297) |
||||||||||
| 5.94% | 8.29% |
8.3% |
|
75% | 1.00%~ | |||||
Some key features of this mortgage
Additional criteria:
See full details for fee details, documents you'll need, and more. |
||||||||||
5.89% Ltd Co 5 Year Fixed Rate to 31/07/2031 (XF1300) |
||||||||||
| 5.89% | 8.29% |
7.8% |
|
75% | 1.00%~ | |||||
Some key features of this mortgage
Additional criteria:
See full details for fee details, documents you'll need, and more. |
||||||||||
4.99% Ltd Co 2 Year Fixed Rate to 31/08/2028 (XF1298) |
||||||||||
| 4.99% | 8.29% |
8.3% |
|
75% | 3.00%~ |
£500 cashback for Remortgage applications^ |
||||
Some key features of this mortgage
Additional criteria:
See full details for fee details, documents you'll need, and more. |
||||||||||
6.14% HMO 2 Year Fixed Rate to 31/08/2028 (XF1296) |
||||||||||
| 6.14% | 8.29% |
8.3% |
|
75% | £999~ | |||||
Some key features of this mortgage
Additional criteria:
See full details for fee details, documents you'll need, and more. |
||||||||||
6.14% HMO Ltd Co 2 Year Fixed Rate to 31/08/2028 (XF1302) |
||||||||||
| 6.14% | 8.29% |
8.3% |
|
75% | 1.00%~ | |||||
Some key features of this mortgage
Additional criteria:
See full details for fee details, documents you'll need, and more. |
||||||||||
Comparing two mortgage products
Note that products are subject to additional terms and subject to change. See a product's full details to find out more.
Case study - The Family Mortgage - helping first time buyers with small deposits
Choosing the Family Mortgage to buy their first home together
Over 125 years of helping people move in
For a long time we've been trusted to lend to a wide variety of people with a more small scale, personal approach as shown in our awards.

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