Notices
4.99% 5 Year Fixed Rate to 31/08/2029 (XF0782)
The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Key things to bear in mind
- Purpose - Further advance and product switch
- Loan to Value - Maximum 60%
- 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 - 7.4% APRC
More downloads & what you'll need to apply
Identification
We carry out an electronic ID check on all applicants. If this fails you will need to provide us with ID documents.
Bank statements
BTL applicants are required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide this on submission.
Proof of income
A copy of the existing/proposed tenancy agreement.
Other items
Applicants are required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide this on submission.
Background BTLs
- Evidence of rent being paid in and mortgage being paid out (bank statements may already cover this).
Applicants with four or more mortgaged Buy to Let properties
- We will treat these applications as a portfolio landlord and we require details of their full portfolio and a business plan.
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 studyOver 125 years of helping people move in
For a long time we've been trusted to lend to a wide variety of people with a more small scale, personal approach as shown in our awards.
Contact our expert UK team
Existing customers
Savings - 03330 140144
savings.service@familybsoc.co.uk
Mortgages - 03330 140146
mortgage.service@familybsoc.co.uk
...or ask the way that suits you.
Request a call back
We can call you back at a time that suits you.
Visit us in branch
Ashley Square, Epsom, Surrey, KT18 5DD.
View our FAQs
Your questions might be answered here.