First Time Buyer |

Notices

Important changes to our mortgage products - Find out more.

Mortgage products - On Wednesday 5 November 2025, we've made changes to our mortgage product range. This includes decreases across most of our Fixed Rate products for Owner Occupier and Buy to Let products.
In addition we have withdrawn our 60% LTV Buy to Let product range, with only our 75% LTV Buy to Let products remaining on sale.

We've also launched new Buy to Let products available only for existing borrowers and further advance purposes without Product Fees.
Our new and improved Online Service is here. Find out more

We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use. Online Service changes

Sort products by:

Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment	Interest Only	FTB
5.64% Expat 2 Year Fixed Rate to 31/03/2028 (XF1188)								Code XF1188 (EB)
More info	31/03/2028	8.44%	75%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% APRC.
5.59% Ltd Co 2 Year Fixed Rate to 31/03/2028 (XF1184)								Code XF1184 (EB)
More info	31/03/2028	8.44%	75%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request 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 - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% APRC.
5.49% Expat 5 Year Fixed Rate to 28/02/2031 (XF1191)								Code XF1191 (EB)
More info	28/02/2031	8.44%	75%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 28/02/2031 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 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.4% APRC.
5.39% Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1186)								Code XF1186 (EB)
More info	28/02/2031	8.44%	75%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request 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 - 28/02/2031 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 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.4% APRC.
5.34% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1174)								Code XF1174 (EB)
More info	31/03/2028	7.69%	60%	£125*	£0~	£0	No	Yes	No
More info 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 Loan to Value - 60% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.5% APRC.
5.19% 5 Year Fixed Rate to 31/03/2031 (XF1177)								Code XF1177 (EB)
More info	31/03/2031	7.69%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.2% APRC.
5.29% 5 Year Fixed Rate to 28/02/2031 (XF1182)								Code XF1182 (EB)
More info	28/02/2031	8.44%	75%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 28/02/2031 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 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.0% APRC.
5.34% 5 Year Fixed Rate to 31/03/2031 (XF1178)								Code XF1178 (EB)
More info	31/03/2031	7.69%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.3% APRC.
5.29% 2 Year Fixed Rate to 31/03/2028 (XF1180)								Code XF1180 (EB)
More info	31/03/2028	8.44%	75%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.9% APRC.
5.04% Family Mortgage 5 Year Fixed Rate to 31/03/2031 (XF1169)								Code XF1169 (EB)
More info	31/03/2031	7.69%	95%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family Mortgage applications for Product Switch and Further Advance Loan to Value - 95% Security options available - Family Security Account, Family Offset Account, Security Through Property. Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% APRC.
5.24% 2 Year Fixed Rate to 31/03/2028 (XF1172)								Code XF1172 (EB)
More info	31/03/2028	7.69%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.2% APRC.
5.39% 2 Year Fixed Rate to 31/03/2028 (XF1173)								Code XF1173 (EB)
More info	31/03/2028	7.69%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.2% APRC.
4.99% JBSP 5 Year Fixed Rate to 31/03/2031 (XF1168)								Code XF1168 (EB)
More info	31/03/2031	7.69%	90%	£125*	£0~	£0	Yes	No	No
More info 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 Loan to Value - 90% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.5% APRC.
4.89% JBSP 5 Year Fixed Rate to 31/03/2031 (XF1167)								Code XF1167 (EB)
More info	31/03/2031	7.69%	80%	£125*	£0~	£0	Yes	No	No
More info 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 Loan to Value - 80% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum Loan - £1,000,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.5% APRC.
4.84% 5 Year Fixed Rate to 31/03/2031 (XF1166)								Code XF1166 (EB)
More info	31/03/2031	7.69%	80%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.3% APRC.
4.79% 3 Year Fixed Rate to 31/03/2029 (XF1164)								Code XF1164 (EB)
More info	31/03/2029	7.69%	80%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2029 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 - 3% until 31/03/2027, 2% until 31/03/2028, 1% until 31/03/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.0% APRC.
4.74% 5 Year Fixed Rate to 31/03/2031 (XF1165)								Code XF1165 (EB)
More info	31/03/2031	7.69%	60%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.2% APRC.
4.69% 3 Year Fixed Rate to 31/03/2029 (XF1163)								Code XF1163 (EB)
More info	31/03/2029	7.69%	60%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2029 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 - 3% until 31/03/2027, 2% until 31/03/2028, 1% until 31/03/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.9% APRC.
4.94% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1162)								Code XF1162 (EB)
More info	31/03/2028	7.69%	90%	£125*	£0~	£0	Yes	No	No
More info 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 Loan to Value - 90% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum Loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.3% APRC.
4.79% 2 Year Fixed Rate to 31/03/2028 (XF1160)								Code XF1160 (EB)
More info	31/03/2028	7.69%	80%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.5% APRC.

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	Next steps
5.64% Expat 2 Year Fixed Rate to 31/03/2028 (XF1188)						Compare
5.64%	8.44%	8.2%APRC	Interest-Only	75%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% 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
5.59% Ltd Co 2 Year Fixed Rate to 31/03/2028 (XF1184)						Compare
5.59%	8.44%	8.2%APRC	Interest-Only Repayment	75%	£0~	More details and apply Less info
Compare
More details and apply Less info 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 - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% 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
5.49% Expat 5 Year Fixed Rate to 28/02/2031 (XF1191)						Compare
5.49%	8.44%	7.4%APRC	Interest-Only	75%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 28/02/2031 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 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.4% 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
5.39% Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1186)						Compare
5.39%	8.44%	7.4%APRC	Interest-Only Repayment	75%	£0~	More details and apply Less info
Compare
More details and apply Less info 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 - 28/02/2031 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 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.4% 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
5.34% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1174)						Compare
5.34%	7.69%	7.5%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info 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 Loan to Value - 60% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.5% 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
5.19% 5 Year Fixed Rate to 31/03/2031 (XF1177)						Compare
5.19%	7.69%	6.2%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.2% 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
5.29% 5 Year Fixed Rate to 28/02/2031 (XF1182)						Compare
5.29%	8.44%	7.0%APRC	Interest-Only Repayment	75%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 28/02/2031 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 28/02/2027, 4% until 28/02/2028, 3% until 28/02/2029, 2% until 28/02/2030, 1% until 28/02/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.0% 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
5.34% 5 Year Fixed Rate to 31/03/2031 (XF1178)						Compare
5.34%	7.69%	6.3%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.3% 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
5.29% 2 Year Fixed Rate to 31/03/2028 (XF1180)						Compare
5.29%	8.44%	7.9%APRC	Interest-Only Repayment	75%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.9% 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
5.04% Family Mortgage 5 Year Fixed Rate to 31/03/2031 (XF1169)						Compare
5.04%	7.69%	6.9%APRC	Repayment	95%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Family Mortgage applications for Product Switch and Further Advance Loan to Value - 95% Security options available - Family Security Account, Family Offset Account, Security Through Property. Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% 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
5.24% 2 Year Fixed Rate to 31/03/2028 (XF1172)						Compare
5.24%	7.69%	7.2%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.2% 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
5.39% 2 Year Fixed Rate to 31/03/2028 (XF1173)						Compare
5.39%	7.69%	7.2%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.2% 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
4.99% JBSP 5 Year Fixed Rate to 31/03/2031 (XF1168)						Compare
4.99%	7.69%	6.5%APRC	Repayment	90%	£0~	More details and apply Less info
Compare
More details and apply Less info 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 Loan to Value - 90% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.5% 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
4.89% JBSP 5 Year Fixed Rate to 31/03/2031 (XF1167)						Compare
4.89%	7.69%	6.5%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info 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 Loan to Value - 80% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum loan - £1,000,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.5% 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
4.84% 5 Year Fixed Rate to 31/03/2031 (XF1166)						Compare
4.84%	7.69%	5.3%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.3% 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
4.79% 3 Year Fixed Rate to 31/03/2029 (XF1164)						Compare
4.79%	7.69%	6.0%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2029 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 - 3% until 31/03/2027, 2% until 31/03/2028, 1% until 31/03/2029 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.0% 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
4.74% 5 Year Fixed Rate to 31/03/2031 (XF1165)						Compare
4.74%	7.69%	5.2%APRC	Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2031 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 31/03/2027, 4% until 31/03/2028, 3% until 31/03/2029, 2% until 31/03/2030, 1% until 31/03/2031 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.2% 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
4.69% 3 Year Fixed Rate to 31/03/2029 (XF1163)						Compare
4.69%	7.69%	5.9%APRC	Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2029 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 - 3% until 31/03/2027, 2% until 31/03/2028, 1% until 31/03/2029 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 5.9% 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
4.94% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1162)						Compare
4.94%	7.69%	7.3%APRC	Repayment	90%	£0~	More details and apply Less info
Compare
More details and apply Less info 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 Loan to Value - 90% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s)) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.3% 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
4.79% 2 Year Fixed Rate to 31/03/2028 (XF1160)						Compare
4.79%	7.69%	6.5%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/03/2028 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 31/03/2027, 1% until 31/03/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.5% 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.

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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Savings - 03330 140141

Mortgages - 03330 140140

newbusiness@familybsoc.co.uk

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Savings - 03330 140144
savings.service@familybsoc.co.uk

Mortgages - 03330 140146
mortgage.service@familybsoc.co.uk

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5.64% Expat 2 Year Fixed Rate to 31/03/2028 (XF1188)

5.59% Ltd Co 2 Year Fixed Rate to 31/03/2028 (XF1184)

5.49% Expat 5 Year Fixed Rate to 28/02/2031 (XF1191)

5.39% Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1186)

5.34% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1174)

5.19% 5 Year Fixed Rate to 31/03/2031 (XF1177)

5.29% 5 Year Fixed Rate to 28/02/2031 (XF1182)

5.34% 5 Year Fixed Rate to 31/03/2031 (XF1178)

5.29% 2 Year Fixed Rate to 31/03/2028 (XF1180)

5.04% Family Mortgage 5 Year Fixed Rate to 31/03/2031 (XF1169)

5.24% 2 Year Fixed Rate to 31/03/2028 (XF1172)

5.39% 2 Year Fixed Rate to 31/03/2028 (XF1173)

4.99% JBSP 5 Year Fixed Rate to 31/03/2031 (XF1168)

4.89% JBSP 5 Year Fixed Rate to 31/03/2031 (XF1167)

4.84% 5 Year Fixed Rate to 31/03/2031 (XF1166)

4.79% 3 Year Fixed Rate to 31/03/2029 (XF1164)

4.74% 5 Year Fixed Rate to 31/03/2031 (XF1165)

4.69% 3 Year Fixed Rate to 31/03/2029 (XF1163)

4.94% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1162)

4.79% 2 Year Fixed Rate to 31/03/2028 (XF1160)

5.64% Expat 2 Year Fixed Rate to 31/03/2028 (XF1188)

Some key features of this mortgage

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5.59% Ltd Co 2 Year Fixed Rate to 31/03/2028 (XF1184)

Some key features of this mortgage

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5.49% Expat 5 Year Fixed Rate to 28/02/2031 (XF1191)

Some key features of this mortgage

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5.39% Ltd Co 5 Year Fixed Rate to 28/02/2031 (XF1186)

Some key features of this mortgage

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5.34% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1174)

Some key features of this mortgage

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5.19% 5 Year Fixed Rate to 31/03/2031 (XF1177)

Some key features of this mortgage

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5.29% 5 Year Fixed Rate to 28/02/2031 (XF1182)

Some key features of this mortgage

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5.34% 5 Year Fixed Rate to 31/03/2031 (XF1178)

Some key features of this mortgage

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5.29% 2 Year Fixed Rate to 31/03/2028 (XF1180)

Some key features of this mortgage

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5.04% Family Mortgage 5 Year Fixed Rate to 31/03/2031 (XF1169)

Some key features of this mortgage

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5.24% 2 Year Fixed Rate to 31/03/2028 (XF1172)

Some key features of this mortgage

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5.39% 2 Year Fixed Rate to 31/03/2028 (XF1173)

Some key features of this mortgage

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4.99% JBSP 5 Year Fixed Rate to 31/03/2031 (XF1168)

Some key features of this mortgage

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4.89% JBSP 5 Year Fixed Rate to 31/03/2031 (XF1167)

Some key features of this mortgage

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4.84% 5 Year Fixed Rate to 31/03/2031 (XF1166)

Some key features of this mortgage

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4.79% 3 Year Fixed Rate to 31/03/2029 (XF1164)

Some key features of this mortgage

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4.74% 5 Year Fixed Rate to 31/03/2031 (XF1165)

Some key features of this mortgage

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4.69% 3 Year Fixed Rate to 31/03/2029 (XF1163)

Some key features of this mortgage

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4.94% JBSP 2 Year Fixed Rate to 31/03/2028 (XF1162)

Some key features of this mortgage

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4.79% 2 Year Fixed Rate to 31/03/2028 (XF1160)

Some key features of this mortgage

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