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4.89% JBSP 5 Year Fixed Rate to 30/09/2029 (XF0772)

 Code XF0772
30/09/2029 8.44% 80% £125* £0 £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for product switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/09/2029
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • Maximum loan - £500,000
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

5.19% FFGM 5 Year Fixed Rate to 30/09/2029 (XF0779)

 Code XF0779
30/09/2029 8.44% 95% £125* £0 £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance, exclusively available for existing Family First Guarantor Mortgage customers
  • LTV - Maximum LTV 95%.
  • Fixed Rate end date - 30/09/2029
  • *Application Fee - £125 for further advance. £0 for product switches
  • Legal Fees - £100 minimum for further advances 
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advances. No minimum for product switches
  • Cost for comparison - 7.4% APRC

4.69% 5 Year Fixed Rate to 30/09/2029 (XF0769)

 Code XF0769 DIRECT
30/09/2029 8.44% 60% £175* £999~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, Remortgage, Further Advance, Product Switch
  • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/09/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.6%

5.99% Expat 2 Year Fixed Rate to 31/07/2026 (XF0789)

 Code XF0789
31/07/2026 9.19% 70% £175* 1.00%~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • LTV - Maximum 70%
  • Fixed Rate end date - 31/07/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Legal fees - £100 minimum for further advances
  • 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 (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch)
  • ~Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 9.1% APRC

5.29% Expat 5 Year Fixed Rate to 31/08/2029 (XF0790)

 Code XF0790 (Direct)
31/08/2029 9.19% 60% £175* 1.00%~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • 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. 
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/08/2029
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Legal fees - £100 minimum for further advances
  • 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 (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch)
  • ~Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/08/2025, 4% until 31/08/2026, 3% until 31/08/2027, 2% until 31/08/2028, 1% until 31/08/2029
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.0% APRC

5.49% 5 Year Fixed Rate to 30/09/2029 (XF0778)

 Code XF0778 DIRECT
30/09/2029 8.44% 80% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/09/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advances. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advances. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 6.8% APRC
 

5.74% Ltd Co 2 Year Fixed Rate to 31/07/2026 (XF0784)

 Code XF0784
31/07/2026 9.19% 60% £175* 1.00%~ £0 Yes Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%
  • Fixed rate end date - 31/07/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • 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 (Further advance and Product Switch) - £0
  • 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 - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 9.0% APRC
  • Additional information: The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

5.84% Expat 2 Year Fixed Rate to 31/07/2026 (XF0788)

 Code XF0788
31/07/2026 9.19% 60% £175* 1.00%~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance 
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/07/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Legal fees - £100 minimum for further advances
  • 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 (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch)
  • ^Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 9.0% APRC

5.44% Expat 5 Year Fixed Rate to 31/08/2029 (XF0791)

 Code XF0791
31/08/2029 9.19% 70% £125* 0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat product switch and further advance
  • LTV - Maximum 70%
  • Fixed rate end date - 31/08/2029
  • *Application Fee - £125 for further advance, £0 for switch
  • Valuation Fees (Further advance and Product Switch) - £0
  • Legal fees - £100 minimum for further advances
  • Product Fee - £0
  • Early Repayment Charges - 5% until 31/08/2025, 4% until 31/08/2026, 3% until 31/08/2027, 2% until 31/08/2028, 1% until 31/08/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.8% APRC

6.09% 2 Year Fixed Rate to 31/07/2026 (XF0775)

 Code XF0775
31/07/2026 8.44% 80% £125* £0 £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Product switch and further advance
  • LTV - Maximum 80%
  • Fixed Rate end date - 31/07/2026
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 8.1% APRC

5.74% RIO 5 Year Fixed Rate to 30/09/2029 (XFZ022)

 Code XFZ022
30/09/2029 8.44% 50% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - RIO applications for purchase, remortgage, product switch and additional borrowing
  • LTV - Maximum 50%.
  • Fixed Rate end date - 30/09/2029
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance and switch)
  • ^Cashback - £500 for remortgage applications.
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • Overpayments - 10% per year allowed Early Repayment Charges free
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 7.5% APRC
  • Additional criteria - Borrowers are required to nominate a Registered Contact when they apply
The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

4.89% JBSP 5 Year Fixed Rate to 30/09/2029 (XF0772)
4.89% 8.44% 6.8%APRC
  • Repayment
 80% £0

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for product switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • LTV - Maximum 80%
  • Fixed Rate end date - 30/09/2029
  • *Application Fee - £125 for further advance. £0 for product switch
  • Legal Fees - £100 minimum for further advances
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • Maximum loan - £500,000
  • Minimum loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

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5.19% FFGM 5 Year Fixed Rate to 30/09/2029 (XF0779)
5.19% 8.44% 7.4%APRC
  • Interest-Only
  • Repayment
 95% £0

Some key features of this mortgage

  • Purpose - Product switch and further advance, exclusively available for existing Family First Guarantor Mortgage customers
  • LTV - Maximum LTV 95%.
  • Fixed Rate end date - 30/09/2029
  • Application Fee - £125 for further advance. £0 for product switches
  • Legal Fees - £100 minimum for further advances 
  • Valuation Fees - £0
  • Product Fee - £0
  • Cashback - £0
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £2,000 for further advances. No minimum for product switches
  • Cost for comparison - 7.4% APRC

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

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4.69% 5 Year Fixed Rate to 30/09/2029 (XF0769)
4.69% 8.44% 5.6%APRC
  • Repayment
 60% £999~ £500 for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase, Remortgage, Further Advance, Product Switch
  • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
  • LTV - Maximum 60%
  • Fixed Rate end date - 30/09/2029
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.6% APRC

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

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    5.99% Expat 2 Year Fixed Rate to 31/07/2026 (XF0789)
    5.99% 9.19% 9.1%APRC
    • Interest-Only
    		 70% 1.00%~

    Some key features of this mortgage

    • Purpose - Expat purchase, remortgage, product switch and further advance
    • Loan to Value - Maximum 70%
    • Fixed Rate end date - 31/07/2026
    • Application fee  - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
    • 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 (Further advance and Product Switch) - £0
    • 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 
    • Legal fees - £100 minimum for further advances
    • ~Product fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
    • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
    • 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. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 9.1% APRC

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

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    5.29% Expat 5 Year Fixed Rate to 31/08/2029 (XF0790)
    5.29% 9.19% 8.0%APRC
    • Interest-Only
    		 60% 1.00%~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Expat purchase, remortgage, product switch and further advance
    • 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. 
    • Loan to Value - Maximum 60%
    • Fixed Rate end date - 31/08/2029
    • Application fee  - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
    • 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 (Further advance and Product Switch) - £0
    • 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 
    • Legal fees - £100 minimum for further advances
    • ~Product fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 5% until 31/08/2025, 4% until 31/08/2026, 3% until 31/08/2027, 2% until 31/08/2028, 1% until 31/08/2029 
    • 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. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 8.0% APRC

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

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    5.49% 5 Year Fixed Rate to 30/09/2029 (XF0778)
    5.49% 8.44% 6.8%APRC
    • Interest-Only
    		 80% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
    • LTV - Maximum 80%
    • Fixed Rate end date - 30/09/2029
    • Application Fee - £175 + Valuation Fee. (£125 for further advances. £0 for product switch)
    • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advances. £0 for product switch)
    • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
    • 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. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 6.8% APRC

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

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    5.74% Ltd Co 2 Year Fixed Rate to 31/07/2026 (XF0784)
    5.74% 9.19% 9.0%APRC
    • Interest-Only
    • Repayment
    		 60% 1.00%~
     

    Some key features of this mortgage

    • Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
    • Loan to Value - Maximum 60%. 
    • Fixed Rate end date - 31/07/2026
    • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
    • 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 (Further advance and Product Switch) - £0
    • 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 - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
    • 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. £2,000 for further advance. No minimum for product switches
    • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
    • Cost for comparison - 9.0% APRC
    • Additional information: The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes: 68100 or 68209

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    5.84% Expat 2 Year Fixed Rate to 31/07/2026 (XF0788)
    5.84% 9.19% 9.0%APRC
    • Interest-Only
    		 60% 1.00%~

    Some key features of this mortgage

    • Purpose - Expat purchase, remortgage, product switch and further advance
    • Loan to Value - Maximum 60%
    • Fixed Rate end date - 31/07/2026
    • Application fee  - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
    • 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 (Further advance and Product Switch) - £0
    • 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 
    • Legal fees - £100 minimum for further advances
    • ^Product fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch
    • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026 
    • 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. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 9.0% APRC

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    5.44% Expat 5 Year Fixed Rate to 31/08/2029 (XF0791)
    5.44%% 9.19% 7.8%APRC
    • Interest-Only
    		 70% 0

    Some key features of this mortgage

    • Purpose - Expat product switch and further advance
    • Loan to Value - Maximum 70%
    • Fixed Rate end date - 31/08/2029
    • *Application Fee - £125 for further advance, £0 for switch
    • Valuation Fees (Further advance and Product Switch) - £0
    • Product Fee - £0
    • Legal fees - £100 minimum for further advances
    • Early Repayment Charges - 5% until 31/08/2025, 4% until 31/08/2026, 3% until 31/08/2027, 2% until 31/08/2028, 1% until 31/08/2029
    • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
    • Minimum loan - £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 7.8% APRC

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    6.09% 2 Year Fixed Rate to 31/07/2026 (XF0775)
    6.09%% 8.44% 8.1%APRC
    • Interest-Only
    		 80% £0

    Some key features of this mortgage

    • Purpose - Product switch and further advance
    • LTV - Maximum 80%
    • Fixed Rate end date - 31/07/2026
    • Application Fee - £125 for further advance. £0 for product switch
    • Legal Fees - £100 minimum for further advances
    • Valuation Fees - £0
    • Product Fee - £0
    • Cashback - £0
    • Early Repayment Charges - 2% until 31/07/2025, 1% until 31/07/2026
    • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
    • Minimum loan - £2,000 for further advance. No minimum for product switches.
    • Cost for comparison - 8.1% APRC

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    5.74% RIO 5 Year Fixed Rate to 30/09/2029 (XFZ022)
    5.74% 8.44% 7.5%APRC
    • Interest-Only
    		 50% £999~

    £500 cashback for remortgages^

    Overpayments allowed

    Some key features of this mortgage

    • Purpose - RIO applications for purchase, remortgage, product switch and additional borrowing
    • LTV - Maximum 50%.
    • Fixed Rate end date - 30/09/2029
    • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
    • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
    • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance and switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 5% until 30/09/2025, 4% until 30/09/2026, 3% until 30/09/2027, 2% until 30/09/2028, 1% until 30/09/2029
    • Overpayments - 10% per year allowed Early Repayment Charges free
    • 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. £2,000 for further advance. No minimum for product switches.
    • Cost for comparison - 7.5% APRC
    • Additional criteria - Borrowers are required to nominate a Registered Contact when they apply.

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    Comparing two mortgage products

    Mortage icon - House Mortgage icon - House
    Product DYNAMIC DYNAMIC
    Initial interest rate DYNAMIC DYNAMIC
    Current follow on rate DYNAMIC DYNAMIC
    Overall cost for comparison DYNAMIC DYNAMIC
    Repayment or Interest-Only? DYNAMIC DYNAMIC
    Max % loan to value (LTV) DYNAMIC DYNAMIC
    Product fees DYNAMIC DYNAMIC
    Additional benefits DYNAMIC DYNAMIC

    Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

    Case study - A repayment mortgage even in retirement

    Christine and her husband were looking for a repayment mortgage in their retirement but needed a long mortgage term

    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.

    More about who we areView our awards

    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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