Notices

  • Our Windfall Bond is available for new account openings, offering interest at the Bank of England Bank Rate and entry into a monthly free prize draw with more prizes available now determined by the prize fund value. Find out more here

    Newly opened accounts need to be fully funded and nominated bank details registered before the end of September in order to qualify for entry into the November Prize Draw.

  • Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 September 2024. We will be writing to all customers individually to confirm the new rates.

    Mortgages: Tracker mortgages will change on 25 September 2024 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

    (Notice updated 05/08)

  • From Thursday 22 August, we reduced our rates on all our fixed rate mortgage products.

    From 19 September 2024, we'll also be reducing our Managed Mortgage Rates (MMR) by 0.25%. 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 be writing to existing customers who have been impacted by this change, shortly, with details relevant to them. Find out full details here.

  • Online Service update. Due to planned essential maintenance, our Online Service will be unavailable from 10pm on Thursday 12 September until 2am on Friday 13 September. We apologise for any inconvenience this may cause.

Compare-all-FAM-994x437pi-150dpi

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.

 

What Mortgage Awards 2023 Best Guarantor Family Support Lender Winner
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

4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)
4.84% 8.19% 6.9%APRC
  • Repayment
 60% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 28/02/2030
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 6.9% APRC.

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

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4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)
4.94% 8.19% 7.0%APRC
  • Repayment
 80% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 28/02/2030
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 7.0% APRC.

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

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5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)
5.09% 8.19% 7.1%APRC
  • Repayment
 95% £599~

£250 cashback for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage purchase applications
  • Loan to Value - Maximum 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 28/02/2030
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Puchase applications
  • Cost for comparison - 7.1% APRC.

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

Take the next step:

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5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)
5.29% 8.19% 7.9%APRC
  • Repayment
 60% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/01/2027
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 7.9% APRC.

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

Take the next step:

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5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)
5.39% 8.19% 7.9%APRC
  • Repayment
 80% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/01/2027
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 7.9% APRC.

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

Take the next step:

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6.34% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)
6.34% 8.19% 8.3%APRC
  • Interest-Only
 60% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 8.3% APRC.

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

Take the next step:

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6.59% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)
6.59% 8.19% 8.3%APRC
  • Interest-Only
 80% £599~

£500 cashback for remortgage applications^

Some key features of this mortgage

  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - Maximum 80%
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 8.3% 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

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.