Notices

Monday 2 February - High call volumes

Due to the high volume of calls we're experiencing today, it's taking us longer than we'd like to answer your call. 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. Thank you.
Savings customers - interest rates on many of our variable rate savings products will be decreasing from 29 January. We have emailed or written to you to let you know of how these interest rate decreases affect you. See our variable savings rate changes
Important changes to our mortgage products - Find out more.

Mortgage products - On Tuesday 20 January 2026, we made changes to our mortgage product range. This includes enhanced Buy to Let HMO criteria, now catering to properties with up to six bedrooms (previously four bedrooms)
Managed Mortgage Rates and Discounted Variable Rates
From 7 February 2026, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.15%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.
We will shortly be writing to existing customers who have been impacted by this change, with details relevant to them.

Family-assist-mort-switch-994x437pi-150dpi (1)

Family assisted mortgages for product switch

We have a number of family assisted mortgage products currently available for product switch for existing borrowers.

All of these mortgage products have limited funds available and may be withdrawn at any time.

View a summary of our current range of Joint Borrower Sole Proprietor mortgage products available for product switch.

Filter:

Sort:

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Next steps
4.74% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1196)						Compare
4.74%	7.54%	7.0%APRC	Repayment	80%	£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 - 80% Fixed Rate end date - 30/06/2028 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 30/06/2027, 1% until 30/06/2028 Maximum loan - £1,000,000 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 - 7.0% 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
4.84% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1197)						Compare
4.84%	7.54%	7.0%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 - 30/06/2028 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 30/06/2027, 1% until 30/06/2028 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 - 7.0% 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
4.84% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1202)						Compare
4.84%	7.54%	6.2%APRC	Repayment	80%	£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 - 80% Fixed Rate end date - 30/06/2031 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 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 Maximum loan - £1,000,000 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 - 6.2% 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
4.94% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1203)						Compare
4.94%	7.54%	6.3%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 - 30/06/2031 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 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 6.3% 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
5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1208)						Compare
5.24%	7.54%	7.3%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 - 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 - 60% Fixed Rate end date - 30/06/2028 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 30/06/2027, 1% until 30/06/2028 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. 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 (XD0215)						Compare
5.69%	7.54%	7.5%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 - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Discount - 1.85% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - 60% Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.5% 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
5.94% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)						Compare
5.94%	7.54%	7.5%APRC	Interest-Only	80%	£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 Discount - 1.60% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.34% Loan to Value - 80% Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 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

Comparing two mortgage products


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.

Family assisted mortgages for product switch

4.74% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1196)

Some key features of this mortgage

Take the next step:

4.84% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1197)

Some key features of this mortgage

Take the next step:

4.84% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1202)

Some key features of this mortgage

Take the next step:

4.94% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1203)

Some key features of this mortgage

Take the next step:

5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1208)

Some key features of this mortgage

Take the next step:

5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

Some key features of this mortgage

Take the next step:

5.94% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

Some key features of this mortgage

Take the next step:

Comparing two mortgage products