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Mortgage products - On Wednesday 8 May we launched a new range of Owner Occupier and Buy to Let Fixed Rate mortgage products. The updated product range includes products available for purchase, remortgage, further advance and product switch applications. Further information can be found here.
5.54% JBSP 2 Year Fixed Rate to 31/10/2026 (XF0795)
Key things to bear in mind
- Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages.
- LTV - Maximum 60%
- Fixed Rate end date - 31/10/2026
- Application Fee - £175 + Valuation Fee. (£125 for further advance, £0 for product switch)
- Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
- Product Fee - £599 for loans up to £500,000. (£0 for further advance, £0 for product switch)
- Early Repayment Charges - 2% until 31/10/2025, 1% until 31/10/2026
- Maximum loan - £500,000
- Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
- Additional benefits:
^Cashback - £500 cashback on completion for remortgage applications - Cost for comparison - 8.1% APRC
Representative example
More downloads & what you'll need to apply
Identification
Bank statements
Proof of income
Other items
Case Study - Helping first time buyers get on the ladder
Greg, a financial services professional, was keen to buy his first home in Bournemouth. This, however, was proving to be harder than he had thought.
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.
Contact our expert UK team
Existing customers
Savings - 03330 140144
savings.service@familybsoc.co.uk
Mortgages - 03330 140146
mortgage.service@familybsoc.co.uk
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