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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

6.09% 2 Year Fixed Rate to 31/10/2028 (XF1332)

 Code XF1332 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • *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 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

5.84% HMO 2 Year Fixed Rate to 31/10/2028 (XF1335)

 Code XF1335 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • *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 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.0% APRC.

5.84% 5 Year Fixed Rate to 30/09/2031 (XF1334)

 Code XF1334 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2031
  • *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 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

5.49% (2.80% discounted rate from follow on rate) for 2 years (XD0237)

 Code XD0237 (EB)
2 years 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.80% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.74%
  • 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.

5.94% Ltd Co 5 Year Fixed Rate to 30/09/2031 (XF1342)

 Code XF1342 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability 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 - 30/09/2031
  • *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 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

5.84% Ltd Co (2.45% discounted rate from follow on rate) for 2 years (XD0238)

 Code XD0238 (EB)
2 years 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • 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 - 8.2% APRC.

5.99% HMO Ltd Co 5 Year Fixed Rate to 30/09/2031 (XF1344)

 Code XF1344 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability 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 - 30/09/2031
  • *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 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

6.04% HMO Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1343)

 Code XF1343 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability 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 - 31/10/2028
  • *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 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

6.29% Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1339)

 Code XF1339 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability 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 - 31/10/2028
  • *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 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

5.84% Expat (2.45% discounted rate from follow on rate) for 2 years (XD0239)

 Code XD0239 (EB)
2 years 8.29% 75% £125* £0~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • 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 - 8.2% APRC.

6.34% Expat 2 Year Fixed Rate to 31/10/2028 (XF1347)

 Code XF1347 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • *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 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

6.09% Expat 5 Year Fixed Rate to 30/09/2031 (XF1349)

 Code XF1349 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2031
  • *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 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

6.14% HMO Expat 5 Year Fixed Rate to 30/09/2031 (XF1351)

 Code XF1351 (EB)
30/09/2031 8.29% 75% £125* £0~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/09/2031
  • *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 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

6.09% HMO Expat 2 Year Fixed Rate to 31/10/2028 (XF1350)

 Code XF1350 (EB)
31/10/2028 8.29% 75% £125* £0~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • *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 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

5.39% 2 Year Tracker Rate (1.64% above the BOE Bank Rate) (XT0017)

 Code XT0017 (Direct)
2 years 7.54% 60% £175* £999~ £500^ Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability 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
  • Difference from Bank Rate - 1.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.64%
  • 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 - 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 - 7.2% APRC.

4.39% 2 Year Tracker Rate (0.64% above the BOE Bank Rate) (XT0019)

 Code XT0019 (Direct)
2 years 8.29% 75% £175* 3.00%~ £500^ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability 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, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.64%
  • Loan to Value - Maximum 75%
  • *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 - 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 - 7.7% APRC.

4.44% 2 Year Tracker Rate Expat (0.69% above the BOE Bank Rate) (XT0023)

 Code XT0023 (Direct)
2 years 8.29% 75% £175* 3.00%~ £500^ Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability 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, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.69% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.69%
  • Loan to Value - Maximum 75%
  • *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 - 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 - 7.9% APRC.

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

 Code XD0236 (EB-)
2 years 7.54% 80% £0* £0~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Online Application
  • Purpose - Expat applications for Product Switch
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.04%
  • Loan to Value - 80%
  • *Application Fee - £0 for Product Switches
  • Legal Fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • ^Cashback - £0
  • Cost for comparison - 7.3% APRC.

4.44% 2 Year Tracker Rate Ltd Co (0.69% above the BOE Bank Rate) (XT0021)

 Code XT0021 (Direct)
2 years 8.29% 75% £175* 3.00%~ £500^ Repayment Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability 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, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.69% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.69%
  • Loan to Value - Maximum 75%
  • *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 - 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 - 7.9% 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

6.09% 2 Year Fixed Rate to 31/10/2028 (XF1332)
6.09% 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 - 31/10/2028
  • 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 31/10/2027, 1% until 31/10/2028
  • 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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5.84% HMO 2 Year Fixed Rate to 31/10/2028 (XF1335)
5.84% 8.29% 8.0%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 - 31/10/2028
  • 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 31/10/2027, 1% until 31/10/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.0% APRC.

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5.84% 5 Year Fixed Rate to 30/09/2031 (XF1334)
5.84% 8.29% 7.3%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 - 30/09/2031
  • 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 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.3% APRC.

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5.49% (2.80% discounted rate from follow on rate) for 2 years (XD0237)
5.49% 8.29% 8.0%APRC
  • Interest-Only
  • Repayment
 75% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.80% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.74%
  • 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
  • Cost for comparison - 8.0% APRC.

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5.94% Ltd Co 5 Year Fixed Rate to 30/09/2031 (XF1342)
5.94% 8.29% 7.5%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 - 30/09/2031
  • 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 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • 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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5.84% Ltd Co (2.45% discounted rate from follow on rate) for 2 years (XD0238)
5.84% 8.29% 8.2%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 - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • 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
  • Cost for comparison - 8.2% APRC.

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5.99% HMO Ltd Co 5 Year Fixed Rate to 30/09/2031 (XF1344)
5.99% 8.29% 7.6%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 - 30/09/2031
  • 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 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

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

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6.04% HMO Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1343)
6.04% 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
  • Loan to Value - 75%
  • Fixed Rate end date - 31/10/2028
  • 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 31/10/2027, 1% until 31/10/2028
  • 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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6.29% Ltd Co 2 Year Fixed Rate to 31/10/2028 (XF1339)
6.29% 8.29% 8.2%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 - 31/10/2028
  • 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 31/10/2027, 1% until 31/10/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

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5.84% Expat (2.45% discounted rate from follow on rate) for 2 years (XD0239)
5.84% 8.29% 8.2%APRC
  • Interest-Only
 75% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • 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
  • Cost for comparison - 8.2% APRC.

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6.34% Expat 2 Year Fixed Rate to 31/10/2028 (XF1347)
6.34% 8.29% 8.2%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 - 31/10/2028
  • 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 31/10/2027, 1% until 31/10/2028
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.2% APRC.

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6.09% Expat 5 Year Fixed Rate to 30/09/2031 (XF1349)
6.09% 8.29% 7.6%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 - 30/09/2031
  • 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 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

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6.14% HMO Expat 5 Year Fixed Rate to 30/09/2031 (XF1351)
6.14% 8.29% 7.6%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 - 30/09/2031
  • 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 30/09/2027, 4% until 30/09/2028, 3% until 30/09/2029, 2% until 30/09/2030, 1% until 30/09/2031
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

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6.09% HMO Expat 2 Year Fixed Rate to 31/10/2028 (XF1350)
6.09% 8.29% 8.1%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 - 31/10/2028
  • 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 31/10/2027, 1% until 31/10/2028
  • 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 Year Tracker Rate (1.64% above the BOE Bank Rate) (XT0017)
5.39% 7.54% 7.2%APRC
  • Interest-Only
 60% £999~

£500 cashback for Remortgage applications^

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
  • Difference from Bank Rate - 1.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.64%
  • 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 - 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 - 7.2% APRC.
  • Additional criteria -

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4.39% 2 Year Tracker Rate (0.64% above the BOE Bank Rate) (XT0019)
4.39% 8.29% 7.7%APRC
  • Interest-Only
  • Repayment
 75% 3.00%~

£500 cashback for Remortgage applications^

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, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.64%
  • Loan to Value - Maximum 75%
  • 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 - 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 - 7.7% APRC.
  • Additional criteria -

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4.44% 2 Year Tracker Rate Expat (0.69% above the BOE Bank Rate) (XT0023)
4.44% 8.29% 7.9%APRC
  • Interest-Only
 75% 3.00%~

£500 cashback for Remortgage applications^

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, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.69% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.69%
  • Loan to Value - Maximum 75%
  • 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 - 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 - 7.9% APRC.
  • Additional criteria -

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5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)
5.79% 7.54% 7.3%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.04%
  • Loan to Value - 80%
  • Application fee - £0 for Product Switches
  • Legal fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • Cost for comparison - 7.3% APRC.

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4.44% 2 Year Tracker Rate Ltd Co (0.69% above the BOE Bank Rate) (XT0021)
4.44% 8.29% 7.9%APRC
  • Interest-Only
  • Repayment
 75% 3.00%~

£500 cashback for Remortgage applications^

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, on an execution only basis. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Difference from Bank Rate - 0.69% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 2.69%
  • Loan to Value - Maximum 75%
  • 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 - 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 - 7.9% APRC.
  • Additional criteria -

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 - The Family Mortgage - helping first time buyers with small deposits

Choosing the Family Mortgage to buy their first home together

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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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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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