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  • Following the Bank of England’s decision to raise the Bank Rate by 0.15% to 0.25% in December 2021, Windfall Bond and Tracker Savings Bond rates increased by 0.15% from 1 January 2022. Tracker mortgages changed from 25 January and we have written to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. We will be considering our other savings and our variable mortgage rates after the Bank of England MPC meeting on 3 February. (Notice updated 19/01/22)

  • Please note that the Premium Saver (5) has now been withdrawn from sale. 
    If you have opened an account, you may add funds until 3pm, 7 February 2022, after this no additions will be allowed.
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Compare all our family assisted mortgages

See all our mortgage products at once or select two to compare side by side. Then see their full details.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our family assisted mortgage solutions are designed to allow family members to support a borrower to access a mortgage. This can be done by providing security using either cash savings or equity in the family member’s home, or using their income to help with affordability.

You can find out more about our family assisted products and compare in the mortgage details table below, or make an appointment with one of our mortgage advisers on 03330 140 140.

 

Sort:
Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

2.54% 2 year fixed rate JMSO
2.54% 4.39% 4.2%APRC
  • Repayment
 60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - Maximum 60%
  • 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 - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • Maximum loan - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback     - £500 cashback on completion for remortgage applications
  • Early Repayment Charges -  2% until 30/04/2023, 1% until 30/04/2024 
  • Additional criteria – The mortgage must complete by 01/06/2022

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

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2.64% 2 year fixed rate JMSO
2.64% 4.39% 4.2%APRC
  • Repayment
 80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - 80%.
  • 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 - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • Maximum loan  - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback     - £500 cashback on completion for remortgage applications
  • Early Repayment Charges -  2% until 30/04/2023,1% until 30/04/2024
  • Additional criteria – The mortgage must complete by 01/06/2022

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

Take the next step:

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2.69% 3 year discounted rate by 1.70% JMSO
2.69% 4.39% 4.2%APRC
  • Interest-Only
 60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.70% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.59% 
  • Loan to Value - Maximum 60%
  • Application Fee - £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees.
  • 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. (£0 for further advance. £0 for product switch.)
  • Maximum loan - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback - £500 cashback on completion for remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year

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

Take the next step:

See full details See what I could borrow
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2.74% 5 year fixed rate JMSO
2.74% 4.39% 3.8%APRC
  • Repayment
 60% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - Maximum 60%.
  • Application Fee - £175 + Valuation Fee. (£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 - £599 for loans up to £500,000. (£0 for further advance and switch)
  • Maximum loan - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback     - £500 cashback on completion for remortgage applications
  • Early Repayment Charges -  5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • Additional criteria – The mortgage must complete by 01/06/2022
 

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

Take the next step:

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2.84% 5 year fixed rate Family Mortgage
2.84% 4.39% 4.0%APRC
  • Repayment
 95% £599~ £250 cashback for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage applications for purchase, product switch and further advance
  • Loan to Value - Maximum 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available.
  • Security options available - Security Account, Security Through Property, Offset Account. Find out more here.
  • *Application Fee - £175 + Valuation Fee. (£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 - £599
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • Additional criteria – The mortgage must complete by 01/06/2022 

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

2.84% 5 year fixed rate JMSO
2.84% 4.39% 3.8%APRC
  • Repayment
 80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - 80%.
  • Application fee - £175 + Valuation Fee (£125 for further advance. £0 for product switch) 
  • Valuation fees - Free  
  • ~Product fee - £599 for loans up to £500,000
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. 
  • Additional benefits:
    - ^Cashback     - £500 cashback on completion for remortgage applications
  • Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • Additional criteria – The mortgage must complete by 01/06/2022 

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

2.84% 3 year discounted rate by 1.55% JMSO
2.84% 4.39% 4.2%APRC
  • Interest-Only
 80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.55% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.74% 
  • Loan to Value - Maximum 80%.
  • Application fee - £175 + Valuation Fee for purchase and remortgage.
  • 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. (£0 for further advance. £0 for product switch.)
  • Maximum loan  - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.         
  • Additional benefits:
    - ^Cashback - £500 cashback on completion for remortgage applications
  • Early Repayment Charges - 3% for the first year, 2% for the second year, 1% for the third year

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.