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5.44% Expat 2 Year Fixed Rate to 30/11/2027 (XF1061)

 Code XF1061 (EB)
30/11/2027 8.69% 75% £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 applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/11/2027
  • *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 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

5.34% Expat 5 Year Fixed Rate to 30/11/2030 (XF1062)

 Code XF1062 (EB)
30/11/2030 8.69% 60% £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 applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2030
  • *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 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

5.34% 2 Year Fixed Rate to 30/11/2027 (XF1036)

 Code XF1036 (Direct)
30/11/2027 7.94% 60% £175* £0~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • *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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.5% APRC.

5.49% Expat 5 Year Fixed Rate to 30/11/2030 (XF1063)

 Code XF1063 (EB)
30/11/2030 8.69% 75% £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 applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/11/2030
  • *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 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

5.49% 2 Year Fixed Rate to 30/11/2027 (XF1037)

 Code XF1037 (Direct)
30/11/2027 7.94% 80% £175* £0~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • *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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

5.19% 2 Year Fixed Rate to 30/11/2027 (XF1039)

 Code XF1039 (Direct)
30/11/2027 7.94% 80% £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 - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • *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 - 1% of the loan amount.
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £2,000,000
  • Minimum Loan - £500,001 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

5.04% 2 Year Fixed Rate to 30/11/2027 (XF1038)

 Code XF1038 (Direct)
30/11/2027 7.94% 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 - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • *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 - 1% of the loan amount.
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - £4,000,000
  • Minimum Loan - £500,001 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

5.49% Expat 5 Year Fixed Rate to 30/11/2030 (XF1063)

 Code XF1063 (Direct)
30/11/2030 8.69% 75% £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 - Purchase and Remortgage
  • 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 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2030
  • *Application Fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.8% APRC.

5.34% Expat 5 Year Fixed Rate to 30/11/2030 (XF1062)

 Code XF1062 (Direct)
30/11/2030 8.69% 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 - Purchase and Remortgage
  • 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 - 30/11/2030
  • *Application Fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.8% APRC.

5.29% 5 Year Fixed Rate to 31/10/2030 (XF1043)

 Code XF1043 (Direct)
31/10/2030 7.94% 60% £175* £0~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2030
  • *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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.8% APRC.

5.44% 5 Year Fixed Rate to 31/10/2030 (XF1044)

 Code XF1044 (Direct)
31/10/2030 7.94% 80% £175* £0~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2030
  • *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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.9% APRC.

5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

 Code XD0219
3 years 7.94% 60% £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 and Remortgage
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • 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
  • Cost for comparison - 7.7% APRC.

6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

 Code XD0220
3 years 7.94% 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 and Remortgage
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • 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
  • Cost for comparison - 7.8% APRC.

6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

 Code XD0215 (EB)
2 years 7.94% 60% £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 - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 60%
  • *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% in the first year, 1% in the second year
  • 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
  • ^Cashback - £0
  • Cost for comparison - 7.9% APRC.

6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

 Code XD0220 (EB)
3 years 7.94% 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 - Further Advance and Product Switch applications
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • Loan to Value - 80%
  • *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% in the first year, 2% in the second year, 1% in the third year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 7.6% APRC.

5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

 Code XD0219 (EB)
3 years 7.94% 60% £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 - Further Advance and Product Switch applications
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • Loan to Value - 60%
  • *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% in the first year, 2% in the second year, 1% in the third year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • ^Cashback - £0
  • Cost for comparison - 7.5% APRC.

6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

 Code XD0216 (EB)
2 years 7.94% 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 - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - 80%
  • *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% in the first year, 1% in the second year
  • 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
  • ^Cashback - £0
  • Cost for comparison - 8.0% APRC.

6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)

 Code XD0218 (EB-)
2 years 7.94% 80% £0* £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 applications for Product Switch
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.44%
  • Loan to Value - 80%
  • *Application Fee - £0 for Product Switches
  • Legal Fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • ^Cashback - £0
  • Cost for comparison - 7.9% APRC.

6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

 Code XD0217 (EB-)
2 years 7.94% 60% £0* £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 applications for Product Switch
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.19%
  • Loan to Value - 60%
  • *Application Fee - £0 for Product Switches
  • Legal Fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • ^Cashback - £0
  • Cost for comparison - 7.8% APRC.

6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

 Code XD0216
2 years 7.94% 80% £175* £599~ £500^ No Yes 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 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 - 8.0% 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 Additional
benefits

5.44% Expat 2 Year Fixed Rate to 30/11/2027 (XF1061)
5.44% 8.69% 8.3%APRC
  • Interest-Only
 75% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/11/2027
  • 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 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 8.3% APRC.

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5.34% Expat 5 Year Fixed Rate to 30/11/2030 (XF1062)
5.34% 8.69% 7.5%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2030
  • 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 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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5.34% 2 Year Fixed Rate to 30/11/2027 (XF1036)
5.34% 7.94% 7.5%APRC
  • Interest-Only
 60% £0~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • 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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.5% APRC.

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5.49% Expat 5 Year Fixed Rate to 30/11/2030 (XF1063)
5.49% 8.69% 7.6%APRC
  • Interest-Only
 75% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 75%
  • Fixed Rate end date - 30/11/2030
  • 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 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

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5.49% 2 Year Fixed Rate to 30/11/2027 (XF1037)
5.49% 7.94% 7.6%APRC
  • Interest-Only
 80% £0~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • 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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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5.19% 2 Year Fixed Rate to 30/11/2027 (XF1039)
5.19% 7.94% 7.6%APRC
  • Interest-Only
 80% 1.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 30/11/2027
  • 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 - 1% of the loan amount.
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £2,000,000
  • Minimum Loan - £500,001 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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5.04% 2 Year Fixed Rate to 30/11/2027 (XF1038)
5.04% 7.94% 7.6%APRC
  • Interest-Only
 60% 1.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2027
  • 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 - 1% of the loan amount.
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - £4,000,000
  • Minimum Loan - £500,001 for Purchase and Remortgage
  • Cost for comparison - 7.6% APRC.

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5.49% Expat 5 Year Fixed Rate to 30/11/2030 (XF1063)
5.49% 8.69% 7.8%APRC
  • Interest-Only
 75% 1.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • 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 75% for all property types excluding Multi Unit Freehold Blocks. The maximum LTV for Multi Unit Freehold Blocks is 70%
  • Fixed Rate end date - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.8% APRC.

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

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5.34% Expat 5 Year Fixed Rate to 30/11/2030 (XF1062)
5.34% 8.69% 7.8%APRC
  • Interest-Only
 60% 1.00%~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • 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 - 30/11/2030
  • Application fee - £175 + Valuation Fee
  • 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 (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% of the loan amount, subject to a minimum of £1,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 30/11/2026, 4% until 30/11/2027, 3% until 30/11/2028, 2% until 30/11/2029, 1% until 30/11/2030
  • 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
  • Cost for comparison - 7.8% APRC.

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

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5.29% 5 Year Fixed Rate to 31/10/2030 (XF1043)
5.29% 7.94% 6.8%APRC
  • Interest-Only
 60% £0~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2030
  • 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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.8% APRC.

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

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5.44% 5 Year Fixed Rate to 31/10/2030 (XF1044)
5.44% 7.94% 6.9%APRC
  • Interest-Only
 80% £0~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Please note that this product is exclusively available for purchase and Remortgage purposes for direct customer applications, via our in-house mortgage advice team. This product is not available for purchase / Remortgage applications submitted from directly authorised brokers
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2030
  • 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 - None
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2026, 4% until 31/10/2027, 3% until 31/10/2028, 2% until 31/10/2029, 1% until 31/10/2030
  • 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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5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)
5.94% 7.94% 7.7%APRC
  • Interest-Only
 60% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • 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
  • Cost for comparison - 7.7% APRC.

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

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6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)
6.19% 7.94% 7.8%APRC
  • Interest-Only
 80% £999~

£500 cashback for Remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase and Remortgage
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • 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
  • Cost for comparison - 7.8% APRC.

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

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6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)
6.09% 7.94% 7.9%APRC
  • Interest-Only
 60% £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
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.09%
  • Loan to Value - 60%
  • 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% in the first year, 1% in the second year
  • 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 - 7.9% APRC.

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

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6.19% (1.75% discounted rate from follow on rate) for 3 years (XD0220)
6.19% 7.94% 7.6%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 1.75% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 4.19%
  • Loan to Value - 80%
  • 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% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for Further Advance. No minimum for product switches
  • Cost for comparison - 7.6% APRC.

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

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5.94% (2.00% discounted rate from follow on rate) for 3 years (XD0219)
5.94% 7.94% 7.5%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
  • Minimum Rate - 3.94%
  • Loan to Value - 60%
  • 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% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum
  • 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.

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6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)
6.34% 7.94% 8.0%APRC
  • Interest-Only
 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
  • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.34%
  • Loan to Value - 80%
  • 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% in the first year, 1% in the second year
  • 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 - 8.0% APRC.

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

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6.44% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)
6.44% 7.94% 7.9%APRC
  • Interest-Only
 80% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch
  • Discount - 1.50% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.44%
  • Loan to Value - 80%
  • Application fee - £0 for Product Switches
  • Legal fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • Cost for comparison - 7.9% APRC.

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

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6.19% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)
6.19% 7.94% 7.8%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Expat applications for Product Switch
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.19%
  • Loan to Value - 60%
  • Application fee - £0 for Product Switches
  • Legal fees - No legal fees for Product Switches
  • Valuation Fees - £0
  • ~Product Fee - £0 for Product Switches
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum for product switches
  • Minimum Loan - No minimum for product switches.
  • Cost for comparison - 7.8% APRC.

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

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6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)
6.34% 7.94% 8.0%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 - 8.0% APRC.

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

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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 - The Family Mortgage - helping first time buyers with small deposits

Choosing the Family Mortgage to buy their first home together

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

...or ask the way that suits you.

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