- Our Online Saver (6) has been withdrawn from sale. Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.
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Online Service update. Due to planned essential maintenance, our Online Service will be unavailable between 10pm on Sunday 31 March to 8pm on Monday 1 April. We apologise for any inconvenience this may cause.
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IMPORTANT: The last day of the 2023 / 2024 tax year is Friday 5 April.
As of Thursday 28 March at 5pm all online and postal applications are now closed until the morning of Monday 8 April. Click here to find out full details and timings for opening and funding ISAs with us within the current tax year.
Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Cashback on Completion |
Repayment | Interest Only |
FTB | |
---|---|---|---|---|---|---|---|---|---|---|
5.49% 2 Year Fixed Rate to 31/07/2026 (XF0780) |
Code XF0780 | |||||||||
More info | 31/07/2026 | 9.19% | 60% | £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
|
||||||||||
5.84% 2 Year Fixed Rate to 31/07/2026 (XF0774) |
Code XF0774 DIRECT | |||||||||
More info | 31/07/2026 | 8.44% | 60% | £175* | £999~ | ££500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
6.84% JBSP 1.60% Discounted Rate from follow on rate for 2 years (XD0216) |
Code XD0216 | |||||||||
More info | 2 years | 8.44% | 80% | £175* | £599~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
6.04% 2 Year Fixed Rate to 31/07/2026 (XF0776) |
Code XF0776 | |||||||||
More info | 31/07/2026 | 8.44% | 60% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.59% Expat 5 Year Fixed Rate to 31/08/2029 (XF0792) |
Code XF0792 | |||||||||
More info | 31/08/2029 | 9.19% | 70% | £175* | 1.00%~ | £0 | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.64% 2 Year Fixed Rate to 31/07/2026 (XF0781) |
Code XF0781 | |||||||||
More info | 31/07/2026 | 9.19% | 70% | £175* | £999 | £0 | Yes | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.49% 5 Year Fixed Rate to 30/09/2029 (XF0778) |
Code XF0778 | |||||||||
More info | 30/09/2029 | 8.44% | 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
|
||||||||||
6.29% Offset Mortgage 2.25% Discounted Rate from follow on rate for 2 years (XO0071) |
Code XO0071 | |||||||||
More info | 2 years | 8.54% | 60% | £175* | £999~ | £500^ | Yes | No | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
6.09% 2 Year Fixed Rate to 31/07/2026 (XF0775) |
Code XF0775 DIRECT | |||||||||
More info | 31/07/2026 | 8.44% | 80% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.39% Ltd Co 5 Year Fixed Rate to 31/08/2029 (XF0787) |
Code XF0787 | |||||||||
More info | 31/08/2029 | 9.19% | 70% | £175* | 1.00%~ | £0 | Yes | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.34% JBSP 2 Year Fixed Rate to 31/07/2026 (XF0765) |
Code XF0765 | |||||||||
More info | 31/07/2026 | 8.44% | 60% | £175* | £599~ | £500^ | Yes | No | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
6.59% JBSP 1.85% Discounted Rate from follow on rate for 2 years (XD0215) |
Code XD0215 | |||||||||
More info | 2 years | 8.44% | 60% | £175* | £599~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
4.99% 3 Year Fixed Rate to 30/09/2027 (XF0767) |
Code XF0767 | |||||||||
More info | 30/09/2027 | 8.44% | 60%% | ££175* | £999~ | £0 | Yes | No | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
6.94% Expat 1.50% Discounted Rate from follow on rate for 2 years (XD0218) |
Code XD0218 | |||||||||
More info | 2 years | 8.44% | 80% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.14% 5 Year Fixed Rate to 31/08/2029 (XF0783) |
Code XF0783 | |||||||||
More info | 31/08/2029 | 9.19% | 70% | £125* | £999 | £0 | Yes | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
4.79% JBSP 5 Year Fixed Rate to 30/09/2029 (XF0771) |
Code XF0771 | |||||||||
More info | 30/09/2029 | 8.44% | 60% | £175* | £599~ | £500^ | Yes | No | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
6.59% Offset Mortgage 2.60% Discounted Rate from follow on rate for 2 years (XO0075) |
Code XO0075 | |||||||||
More info | 2 years | 9.19% | 60% | £175* | £999~ | £100^ | Yes | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
· Purpose - Offset applications for purchase, remortgage, product switch and further advance |
||||||||||
5.24% 2 Year Fixed Rate to 31/07/2026 (XF0763) |
Code XF0763 | |||||||||
More info | 31/07/2026 | 8.44% | 60% | £175* | £999~ | £500^ | Yes | No | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.24% 5 Year Fixed Rate to 30/09/2029 (XF0777) |
Code XF0777 DIRECT | |||||||||
More info | 30/09/2029 | 8.44% | 60% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
||||||||||
5.29% Expat 5 Year Fixed Rate to 31/08/2029 (XF0790) |
Code XF0790 | |||||||||
More info | 31/08/2029 | 9.19% | 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
|
Initial interest rate | Current follow on rate | Overall cost for comparison | Repayment or Interest-Only? | Max % Loan to Value (LTV) | Product fees |
Additional benefits |
||||
---|---|---|---|---|---|---|---|---|---|---|
5.49% 2 Year Fixed Rate to 31/07/2026 (XF0780) |
||||||||||
5.49% | 9.19% |
8.7% |
|
60% | 0 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.84% 2 Year Fixed Rate to 31/07/2026 (XF0774) |
||||||||||
5.84% | 8.44% |
8.1% |
|
60% | £999~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.84% JBSP 1.60% Discounted Rate from follow on rate for 2 years (XD0216) |
||||||||||
6.84% | 8.44% |
8.6% |
|
80% | £599~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.04% 2 Year Fixed Rate to 31/07/2026 (XF0776) |
||||||||||
6.04% | 8.44% |
8.1% |
|
60% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.59% Expat 5 Year Fixed Rate to 31/08/2029 (XF0792) |
||||||||||
5.59% | 9.19% |
8.2% |
|
70% | 1.00%~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.64% 2 Year Fixed Rate to 31/07/2026 (XF0781) |
||||||||||
5.64% | 9.19% |
8.9% |
|
70% | £999 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.49% 5 Year Fixed Rate to 30/09/2029 (XF0778) |
||||||||||
5.49% | 8.44% |
7.0% |
|
80% | £0 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.29% Offset Mortgage 2.25% Discounted Rate from follow on rate for 2 years (XO0071) |
||||||||||
6.29% | 8.54% |
8.2% |
|
60% | £999~ |
£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.09% 2 Year Fixed Rate to 31/07/2026 (XF0775) |
||||||||||
6.09% | 8.44% |
8.2% |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.39% Ltd Co 5 Year Fixed Rate to 31/08/2029 (XF0787) |
||||||||||
5.39% | 9.19% |
8.0% |
|
70% | 1.00%~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.34% JBSP 2 Year Fixed Rate to 31/07/2026 (XF0765) |
||||||||||
5.34% | 8.44% |
8.1% |
|
60% | £599~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.59% JBSP 1.85% Discounted Rate from follow on rate for 2 years (XD0215) |
||||||||||
6.59% | 8.44% |
8.5% |
|
60% | £599~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.99% 3 Year Fixed Rate to 30/09/2027 (XF0767) |
||||||||||
4.99% | 8.44% |
6.8 |
|
60%% | £999~ | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.94% Expat 1.50% Discounted Rate from follow on rate for 2 years (XD0218) |
||||||||||
6.94% | 8.44% |
8.6% |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.14% 5 Year Fixed Rate to 31/08/2029 (XF0783) |
||||||||||
5.14% | 9.19% |
7.4% |
|
70% | £999 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
4.79% JBSP 5 Year Fixed Rate to 30/09/2029 (XF0771) |
||||||||||
4.79% | 8.44% |
7.0% |
|
60% | £599~ | £500 for remortgage applications^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
6.59% Offset Mortgage 2.60% Discounted Rate from follow on rate for 2 years (XO0075) |
||||||||||
6.59% | 9.19% |
9.2% |
|
60% | £999~ |
|
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.24% 2 Year Fixed Rate to 31/07/2026 (XF0763) |
||||||||||
5.24% | 8.44% |
7.4% |
|
60% | £999~ |
£500 cashback for remortgages^ |
||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.24% 5 Year Fixed Rate to 30/09/2029 (XF0777) |
||||||||||
5.24% | 8.44% |
6.7% |
|
60% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
||||||||||
5.29% Expat 5 Year Fixed Rate to 31/08/2029 (XF0790) |
||||||||||
5.29% | 9.19% |
7.7% |
|
60% | 0 | |||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
Comparing two mortgage products
Note that products are subject to additional terms and subject to change. See a product's full details to find out more.
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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