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Our new 1 Year Fixed Rate Bond (70) paying 4.76% Gross AER on balances of £10,000+ is now on sale. Apply online.
We've launched a new issue of our Online Saver (12), paying 4.15% Gross AER on balances of £100+. Find out more and apply.
Online Service update - Due to essential maintenance, our Online Service will be unavailable from 5pm on Friday 24 July until 5pm on Saturday 25 July, and 10pm on Tuesday 28 July until 2am on Wednesday 29 July. We apologise for any inconvenience.
24 July - Due to internal training taking place today, it may take slightly longer than usual for us to answer your call. Find out more

You may find the answers you're looking for in either our Mortgage or Savings FAQs.
If you still need our help, you can contact us by email (newbusiness@familybsoc.co.uk or mortgage.service@familybsoc.co.uk or savings.service@familybsoc.co.uk) or complete our callback form and we'll call you back at a time convenient for you.

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Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment or Interest-Only?	FTB
5.54% 2 Year Fixed Rate to 31/10/2028 (XF1315)								Code XF1315
More info	31/10/2028	7.54%	60%	£175*	£999~	£500^	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/10/2028 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 31/10/2027, 1% until 31/10/2028 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 - 6.8% APRC.
5.64% 2 Year Fixed Rate to 31/10/2028 (XF1316)								Code XF1316
More info	31/10/2028	7.54%	80%	£175*	£999~	£500^	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/10/2028 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 31/10/2027, 1% until 31/10/2028 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 - 6.9% APRC.
5.69% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1317)								Code XF1317
More info	31/10/2028	7.54%	80%	£0*	£599~	£500^	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/10/2028 Application Fee - £0 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 31/10/2027, 1% until 31/10/2028 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 - 7.2% APRC.
5.79% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1318)								Code XF1318
More info	31/10/2028	7.54%	90%	£0*	£599~	£500^	Repayment	Yes
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 90% Fixed Rate end date - 31/10/2028 Application Fee - £0 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 31/10/2027, 1% until 31/10/2028 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.3% APRC.
5.64% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1321)								Code XF1321
More info	31/10/2031	7.54%	80%	£0*	£599~	£500^	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/10/2031 Application Fee - £0 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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 6.5% APRC.
5.59% 5 Year Fixed Rate to 31/10/2031 (XF1320)								Code XF1320
More info	31/10/2031	7.54%	80%	£175*	£999~	£500^	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/10/2031 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 - £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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 6.0% APRC.
5.49% 5 Year Fixed Rate to 31/10/2031 (XF1319)								Code XF1319
More info	31/10/2031	7.54%	60%	£175*	£999~	£500^	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/10/2031 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 - £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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 5.9% APRC.
5.74% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1322)								Code XF1322
More info	31/10/2031	7.54%	90%	£0*	£599~	£500^	Repayment	Yes
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 90% Fixed Rate end date - 31/10/2031 Application Fee - £0 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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.6% APRC.
5.79% Family Mortgage 5 Year Fixed Rate to 31/10/2031 (XF1323)								Code XF1323
More info	31/10/2031	7.54%	100%	£175*	£0~	£250^	Repayment	Yes
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Family Mortgage purchase applications Loan to Value - Maximum 100% (Additional security required). Minimum 80% Security options available - Security through savings (in our Family Security Account), or security through property. The total of all security provided, plus any deposit, must be equal to 20% of the value of the property being purchased. Fixed Rate end date - 31/10/2031 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 - None ^Cashback - £250 Early Repayment Charges - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 Maximum Loan - £750,000 Minimum Loan - £96,000 Cost for comparison - 7.1% APRC.
5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)								Code XD0232
More info	2 years	7.54%	80%	£175*	£999~	£500^	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Discount - 2.35% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.44% 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 - 2% in the first year, 1% in the second 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 - 6.8% APRC.
5.89% 2 Year Fixed Rate to 31/10/2028 (XF1324)								Code XF1324
More info	31/10/2028	7.54%	60%	£175*	£999~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/10/2028 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 31/10/2027, 1% until 31/10/2028 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 - 7.3% APRC.
5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)								Code XD0233
More info	2 years	7.54%	80%	£175*	£999~	£500^	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Discount - 2.25% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.54% 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 ^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 - 7.2% APRC.
6.04% 2 Year Fixed Rate to 31/10/2028 (XF1326)								Code XF1326
More info	31/10/2028	7.54%	80%	£175*	£999~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/10/2028 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 31/10/2027, 1% until 31/10/2028 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 - 7.4% APRC.
5.89% 5 Year Fixed Rate to 31/10/2031 (XF1328)								Code XF1328
More info	31/10/2031	7.54%	60%	£175*	£999~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/10/2031 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 - £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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 6.6% APRC.
6.04% 5 Year Fixed Rate to 31/10/2031 (XF1329)								Code XF1329
More info	31/10/2031	7.54%	80%	£175*	£999~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/10/2031 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 - £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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 6.8% APRC.
6.14% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1327)								Code XF1327
More info	31/10/2028	7.54%	80%	£175*	£599~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/10/2028 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 31/10/2027, 1% until 31/10/2028 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.5% APRC.
5.99% RIO 5 Year Fixed Rate to 31/10/2031 (XFZ036)								Code XFZ036
More info	31/10/2031	7.54%	50%	£175*	£999~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Retirement Interest-Only applications for Purchase and Remortgage. Loan to Value - Maximum 50% Fixed Rate end date - 31/10/2031 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 - £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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 6.8% APRC.
5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)								Code XD0234
More info	2 years	7.54%	80%	£175*	£999~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Purchase and Remortgage Discount - 2.00% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.79% 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 - 2% in the first year, 1% in the second 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 - 7.3% APRC.
5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)								Code XD0235
More info	2 years	7.54%	80%	£175*	£599~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Discount - 1.85% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.94% 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 - 7.5% APRC.
5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)								Code XD0236
More info	2 years	7.54%	80%	£175*	£999~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application Purpose - Expat applications for Purchase and Remortgage Discount - 1.75% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.04% 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 - 2% in the first year, 1% in the second year Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £100,000 for Purchase and Remortgage Cost for comparison - 7.3% 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
5.54% 2 Year Fixed Rate to 31/10/2028 (XF1315)							Compare
5.54%	7.54%	6.8%APRC	Repayment	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 Loan to Value - Maximum 60% Fixed Rate end date - 31/10/2028 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 31/10/2027, 1% until 31/10/2028 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 - 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
5.64% 2 Year Fixed Rate to 31/10/2028 (XF1316)							Compare
5.64%	7.54%	6.9%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 - 31/10/2028 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 31/10/2027, 1% until 31/10/2028 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 - 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
5.69% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1317)							Compare
5.69%	7.54%	7.2%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 - 31/10/2028 Application fee - £0 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 31/10/2027, 1% until 31/10/2028 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 - 7.2% 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
5.79% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1318)							Compare
5.79%	7.54%	7.3%APRC	Repayment	90%	£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 90% Fixed Rate end date - 31/10/2028 Application fee - £0 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 31/10/2027, 1% until 31/10/2028 Maximum loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.3% 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
5.64% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1321)							Compare
5.64%	7.54%	6.5%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 - 31/10/2031 Application fee - £0 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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 6.5% 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
5.59% 5 Year Fixed Rate to 31/10/2031 (XF1320)							Compare
5.59%	7.54%	6.0%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 - 31/10/2031 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 - £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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 6.0% 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% 5 Year Fixed Rate to 31/10/2031 (XF1319)							Compare
5.49%	7.54%	5.9%APRC	Repayment	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 Loan to Value - Maximum 60% Fixed Rate end date - 31/10/2031 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 - £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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 5.9% 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
5.74% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1322)							Compare
5.74%	7.54%	6.6%APRC	Repayment	90%	£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 90% Fixed Rate end date - 31/10/2031 Application fee - £0 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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 Maximum loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.6% 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
5.79% Family Mortgage 5 Year Fixed Rate to 31/10/2031 (XF1323)							Compare
5.79%	7.54%	7.1%APRC	Repayment	100%	£0~	£250 cashback for purchase applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Family Mortgage purchase applications Loan to Value - Maximum 100% (Additional security required). Minimum 80% Security options available - Security through savings (in our Family Security Account), or security through property. The total of all security provided, plus any deposit, must be equal to 20% of the value of the property being purchased. Fixed Rate end date - 31/10/2031 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 - None ^Cashback - £250 Early Repayment Charges - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 Maximum loan - £750,000 Minimum Loan - £96,000 Cost for comparison - 7.1% 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% (2.35% discounted rate from follow on rate) for 2 years (XD0232)							Compare
5.19%	7.54%	6.8%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 Discount - 2.35% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.44% 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 - 2% in the first year, 1% in the second 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 - 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
5.89% 2 Year Fixed Rate to 31/10/2028 (XF1324)							Compare
5.89%	7.54%	7.3%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 Loan to Value - Maximum 60% Fixed Rate end date - 31/10/2028 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 31/10/2027, 1% until 31/10/2028 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 - 7.3% 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
5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)							Compare
5.29%	7.54%	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 - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Discount - 2.25% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.54% 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 ^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 - 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
6.04% 2 Year Fixed Rate to 31/10/2028 (XF1326)							Compare
6.04%	7.54%	7.4%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 Loan to Value - Maximum 80% Fixed Rate end date - 31/10/2028 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 31/10/2027, 1% until 31/10/2028 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 - 7.4% 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
5.89% 5 Year Fixed Rate to 31/10/2031 (XF1328)							Compare
5.89%	7.54%	6.6%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 Loan to Value - Maximum 60% Fixed Rate end date - 31/10/2031 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 - £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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 6.6% 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
6.04% 5 Year Fixed Rate to 31/10/2031 (XF1329)							Compare
6.04%	7.54%	6.8%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 Loan to Value - Maximum 80% Fixed Rate end date - 31/10/2031 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 - £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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 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
6.14% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1327)							Compare
6.14%	7.54%	7.5%APRC	Interest-Only	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 - 31/10/2028 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 31/10/2027, 1% until 31/10/2028 Maximum loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage 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
5.99% RIO 5 Year Fixed Rate to 31/10/2031 (XFZ036)							Compare
5.99%	7.54%	6.8%APRC	Interest-Only	50%	£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 - Retirement Interest-Only applications for Purchase and Remortgage. Loan to Value - Maximum 50% Fixed Rate end date - 31/10/2031 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 - £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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031 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 - 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
5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)							Compare
5.54%	7.54%	7.3%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 - 2.00% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.79% 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 - 2% in the first year, 1% in the second 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 - 7.3% 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
5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)							Compare
5.69%	7.54%	7.5%APRC	Interest-Only	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 Discount - 1.85% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.94% 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 - 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
5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)							Compare
5.79%	7.54%	7.3%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 - Expat applications for Purchase and Remortgage Discount - 1.75% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.04% 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 - 2% in the first year, 1% in the second year Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £100,000 for Purchase and Remortgage Cost for comparison - 7.3% 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

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

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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Mortgages - 03330 140140

newbusiness@familybsoc.co.uk

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

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

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5.54% 2 Year Fixed Rate to 31/10/2028 (XF1315)

5.64% 2 Year Fixed Rate to 31/10/2028 (XF1316)

5.69% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1317)

5.79% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1318)

5.64% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1321)

5.59% 5 Year Fixed Rate to 31/10/2031 (XF1320)

5.49% 5 Year Fixed Rate to 31/10/2031 (XF1319)

5.74% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1322)

5.79% Family Mortgage 5 Year Fixed Rate to 31/10/2031 (XF1323)

5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)

5.89% 2 Year Fixed Rate to 31/10/2028 (XF1324)

5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)

6.04% 2 Year Fixed Rate to 31/10/2028 (XF1326)

5.89% 5 Year Fixed Rate to 31/10/2031 (XF1328)

6.04% 5 Year Fixed Rate to 31/10/2031 (XF1329)

6.14% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1327)

5.99% RIO 5 Year Fixed Rate to 31/10/2031 (XFZ036)

5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)

5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)

5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)

5.54% 2 Year Fixed Rate to 31/10/2028 (XF1315)

Some key features of this mortgage

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5.64% 2 Year Fixed Rate to 31/10/2028 (XF1316)

Some key features of this mortgage

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5.69% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1317)

Some key features of this mortgage

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5.79% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1318)

Some key features of this mortgage

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5.64% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1321)

Some key features of this mortgage

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5.59% 5 Year Fixed Rate to 31/10/2031 (XF1320)

Some key features of this mortgage

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5.49% 5 Year Fixed Rate to 31/10/2031 (XF1319)

Some key features of this mortgage

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5.74% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1322)

Some key features of this mortgage

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5.79% Family Mortgage 5 Year Fixed Rate to 31/10/2031 (XF1323)

Some key features of this mortgage

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5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)

Some key features of this mortgage

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5.89% 2 Year Fixed Rate to 31/10/2028 (XF1324)

Some key features of this mortgage

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5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)

Some key features of this mortgage

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6.04% 2 Year Fixed Rate to 31/10/2028 (XF1326)

Some key features of this mortgage

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5.89% 5 Year Fixed Rate to 31/10/2031 (XF1328)

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6.04% 5 Year Fixed Rate to 31/10/2031 (XF1329)

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6.14% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1327)

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5.99% RIO 5 Year Fixed Rate to 31/10/2031 (XFZ036)

Some key features of this mortgage

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5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)

Some key features of this mortgage

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5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)

Some key features of this mortgage

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5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)

Some key features of this mortgage

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