First Time And Family Assisted Mortgages |

Notices

We're pleased to announce the launch of our Family Mortgage. Find out more.

Family members can help support buyers by providing security for their mortgage, without gifting money.
Borrow 100% of the property value with no deposit with the Family Mortgage.
Savings customers - we have increased the interest rates on our Fixed Rate Bond and Fixed Rate ISAs. Find out more

The interest rates on our 1 Year, 2 Year and 3 Year Fixed Rate Bond and Fixed Rate ISA products have increased from 12 February 2026.
Important changes to our mortgage products - Read more.

Mortgage products - On Tuesday 20 January 2026, we made changes to our mortgage product range. This includes enhanced Buy to Let HMO criteria, now catering to properties with up to six bedrooms (previously four bedrooms)
Managed Mortgage Rates and Discounted Variable Rates
From 7 February 2026, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.15%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.
We will shortly be writing to existing customers who have been impacted by this change, with details relevant to them.

Sort products by:

Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment	Interest Only	FTB
5.19% Family Mortgage 5 Year Fixed Rate to 30/06/2031 (XF1236)								Code XF1236
More info	30/06/2031	7.54%	100%	£0*	£0~	£250^	Yes	No	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family Mortgage purchase applications Loan to Value - Maximum 100% (Additional security required). Minimum 80% Security options available - Security through savings (in our Family Security Account), or security through property. The total of all security provided, plus any deposit, must be equal to 20% of the value of the property being purchased Fixed Rate end date - 30/06/2031 Application Fee - None 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 - £250 Early Repayment Charges - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 Maximum Loan - £750,000 Minimum Loan - £96,000 Cost for comparison - 6.8% APRC.
4.69% Expat 2 Year Fixed Rate to 30/06/2028 (XF1237)								Code XF1237
More info	30/06/2028	8.29%	75%	£175*	2.00%~	£500^	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 Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/06/2028 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 - 2% of the loan amount, subject to a minimum of £1,500 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 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 - 8.1% APRC.
5.34% 5 Year Fixed Rate to 30/06/2031 (XF1212)								Code XF1212
More info	30/06/2031	7.54%	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 Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2031 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 - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 6.6% APRC.
5.54% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ032)								Code XFZ032
More info	30/06/2031	7.54%	50%	£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 Purpose - Retirement Interest-Only applications for Purchase and Remortgage. Loan to Value - Maximum 50% Fixed Rate end date - 30/06/2031 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 - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 6.8% APRC.
5.19% 5 Year Fixed Rate to 30/06/2031 (XF1211)								Code XF1211
More info	30/06/2031	7.54%	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 Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/06/2031 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 - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 6.5% APRC.
5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1208)								Code XF1208
More info	30/06/2028	7.54%	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 Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/06/2028 Application Fee - £175 + Valuation Fee Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.4% APRC.
5.14% 2 Year Fixed Rate to 30/06/2028 (XF1206)								Code XF1206
More info	30/06/2028	7.54%	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 Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/06/2028 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 - 2% until 30/06/2027, 1% until 30/06/2028 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 - 7.2% APRC.
5.29% 2 Year Fixed Rate to 30/06/2028 (XF1207)								Code XF1207
More info	30/06/2028	7.54%	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 Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2028 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 - 2% until 30/06/2027, 1% until 30/06/2028 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 - 7.3% APRC.
4.94% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1203)								Code XF1203
More info	30/06/2031	7.54%	90%	£0*	£599~	£500^	Yes	No	Yes
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 Purchase and Remortgage Loan to Value - Maximum 90% Fixed Rate end date - 30/06/2031 Application Fee - £0 Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.6% APRC.
4.84% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1202)								Code XF1202
More info	30/06/2031	7.54%	80%	£0*	£599~	£500^	Yes	No	Yes
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 Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2031 Application Fee - £0 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. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 Maximum Loan - £1,000,000. 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 - 6.6% APRC.
4.79% 5 Year Fixed Rate to 30/06/2031 (XF1201)								Code XF1201
More info	30/06/2031	7.54%	80%	£175*	£999~	£500^	Yes	No	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2031 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 - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 5.8% APRC.
4.69% 5 Year Fixed Rate to 30/06/2031 (XF1200)								Code XF1200
More info	30/06/2031	7.54%	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 Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/06/2031 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 - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 5.7% APRC.
4.84% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1197)								Code XF1197
More info	30/06/2028	7.54%	90%	£0*	£599~	£500^	Yes	No	Yes
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 Purchase and Remortgage Loan to Value - Maximum 90% Fixed Rate end date - 30/06/2028 Application Fee - £0 Valuation Fees* - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.2% APRC.
4.69% 2 Year Fixed Rate to 30/06/2028 (XF1195)								Code XF1195
More info	30/06/2028	7.54%	80%	£175*	£999~	£500^	Yes	No	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2028 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 - 2% until 30/06/2027, 1% until 30/06/2028 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 - 6.7% APRC.
4.74% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1196)								Code XF1196
More info	30/06/2028	7.54%	80%	£0*	£599~	£500^	Yes	No	Yes
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 Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2028 Application Fee - £0 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. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum Loan - £1,000,000. 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 - 7.2% APRC.
4.59% 2 Year Fixed Rate to 30/06/2028 (XF1194)								Code XF1194
More info	30/06/2028	7.54%	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 Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/06/2028 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 - 2% until 30/06/2027, 1% until 30/06/2028 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 - 6.7% APRC.
5.49% Expat 5 Year Fixed Rate to 31/05/2031 (XF1231)								Code XF1231 (EB)
More info	31/05/2031	8.29%	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 - 31/05/2031 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 31/05/2027, 4% until 31/05/2028, 3% until 31/05/2029, 2% until 31/05/2030, 1% until 31/05/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.3% APRC.
5.29% 5 Year Fixed Rate to 31/05/2031 (XF1216)								Code XF1216 (EB)
More info	31/05/2031	8.29%	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 - 31/05/2031 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 31/05/2027, 4% until 31/05/2028, 3% until 31/05/2029, 2% until 31/05/2030, 1% until 31/05/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.9% APRC.
5.59% Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1220)								Code XF1220 (EB)
More info	30/06/2028	8.29%	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 - 30/06/2028 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 30/06/2027, 1% until 30/06/2028 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.0% APRC.
5.39% Ltd Co 5 Year Fixed Rate to 31/05/2031 (XF1222)								Code XF1222 (EB)
More info	31/05/2031	8.29%	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 - 31/05/2031 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 31/05/2027, 4% until 31/05/2028, 3% until 31/05/2029, 2% until 31/05/2030, 1% until 31/05/2031 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.2% APRC.

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits	Next steps
5.19% Family Mortgage 5 Year Fixed Rate to 30/06/2031 (XF1236)							Compare
5.19%	7.54%	6.8%APRC	Repayment	100%	£0~	£250^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Family Mortgage purchase applications Loan to Value - Maximum 100% (Additional security required). Minimum 80% Security options available - Security through savings (in our Family Security Account), or security through property. The total of all security provided, plus any deposit, must be equal to 20% of the value of the property being purchased Fixed Rate end date - 30/06/2031 Application Fee - None 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 - £250 Early Repayment Charges - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 Maximum Loan - £750,000 Minimum Loan - £96,000 Cost for comparison - 6.8% 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% Expat 2 Year Fixed Rate to 30/06/2028 (XF1237)							Compare
4.69%	8.29%	8.1%APRC	Interest-Only	75%	2.00%~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/06/2028 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 - 2% of the loan amount, subject to a minimum of £1,500 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 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 - 8.1% 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 30/06/2031 (XF1212)							Compare
5.34%	7.54%	6.6%APRC	Interest-Only	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2031 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 - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 6.6% 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
5.54% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ032)							Compare
5.54%	7.54%	6.8%APRC	Interest-Only	50%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Retirement Interest-Only applications for Purchase and Remortgage. Loan to Value - Maximum 50% Fixed Rate end date - 30/06/2031 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 - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 6.8% 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 30/06/2031 (XF1211)							Compare
5.19%	7.54%	6.5%APRC	Interest-Only	60%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/06/2031 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 - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 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
5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1208)							Compare
5.24%	7.54%	7.4%APRC	Interest-Only	60%	£599~	£500 cashback for Remortgage applications^	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 Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/06/2028 Application fee - £175 + Valuation Fee Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage 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
5.14% 2 Year Fixed Rate to 30/06/2028 (XF1206)							Compare
5.14%	7.54%	7.2%APRC	Interest-Only	60%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/06/2028 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 - 2% until 30/06/2027, 1% until 30/06/2028 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 - 7.2% 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% 2 Year Fixed Rate to 30/06/2028 (XF1207)							Compare
5.29%	7.54%	7.3%APRC	Interest-Only	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2028 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 - 2% until 30/06/2027, 1% until 30/06/2028 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 - 7.3% 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
4.94% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1203)							Compare
4.94%	7.54%	6.6%APRC	Repayment	90%	£599~	£500 cashback for Remortgage applications^	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 Purchase and Remortgage Loan to Value - Maximum 90% Fixed Rate end date - 30/06/2031 Application fee - £0 Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 Maximum loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 6.6% 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% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1202)							Compare
4.84%	7.54%	6.6%APRC	Repayment	80%	£599~	£500 cashback for Remortgage applications^	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 Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2031 Application fee - £0 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. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 Maximum loan - £1,000,000. 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 - 6.6% 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% 5 Year Fixed Rate to 30/06/2031 (XF1201)							Compare
4.79%	7.54%	5.8%APRC	Repayment	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2031 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 - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 5.8% 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% 5 Year Fixed Rate to 30/06/2031 (XF1200)							Compare
4.69%	7.54%	5.7%APRC	Repayment	60%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/06/2031 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 - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031 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 - 5.7% 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% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1197)							Compare
4.84%	7.54%	7.2%APRC	Repayment	90%	£599~	£500 cashback for Remortgage applications^	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 Purchase and Remortgage Loan to Value - Maximum 90% Fixed Rate end date - 30/06/2028 Application fee - £0 Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount ^~Product Fee - £599 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage 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
4.69% 2 Year Fixed Rate to 30/06/2028 (XF1195)							Compare
4.69%	7.54%	6.7%APRC	Repayment	80%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2028 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 - 2% until 30/06/2027, 1% until 30/06/2028 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 - 6.7% 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% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1196)							Compare
4.74%	7.54%	7.2%APRC	Repayment	80%	£599~	£500 cashback for Remortgage applications^	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 Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 30/06/2028 Application fee - £0 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. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 30/06/2027, 1% until 30/06/2028 Maximum loan - £1,000,000. 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 - 7.2% 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
4.59% 2 Year Fixed Rate to 30/06/2028 (XF1194)							Compare
4.59%	7.54%	6.7%APRC	Repayment	60%	£999~	£500 cashback for Remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 30/06/2028 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 - 2% until 30/06/2027, 1% until 30/06/2028 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 - 6.7% 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 31/05/2031 (XF1231)							Compare
5.49%	8.29%	7.3%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 - 31/05/2031 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 31/05/2027, 4% until 31/05/2028, 3% until 31/05/2029, 2% until 31/05/2030, 1% until 31/05/2031 Maximum loan - No maximum 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
5.29% 5 Year Fixed Rate to 31/05/2031 (XF1216)							Compare
5.29%	8.29%	6.9%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 - 31/05/2031 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 31/05/2027, 4% until 31/05/2028, 3% until 31/05/2029, 2% until 31/05/2030, 1% until 31/05/2031 Maximum loan - No maximum 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
5.59% Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1220)							Compare
5.59%	8.29%	8.0%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 - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 30/06/2028 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 30/06/2027, 1% until 30/06/2028 Maximum loan - No maximum 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. 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 31/05/2031 (XF1222)							Compare
5.39%	8.29%	7.2%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 - 31/05/2031 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 31/05/2027, 4% until 31/05/2028, 3% until 31/05/2029, 2% until 31/05/2030, 1% until 31/05/2031 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

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 - 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.

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.

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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

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5.19% Family Mortgage 5 Year Fixed Rate to 30/06/2031 (XF1236)

4.69% Expat 2 Year Fixed Rate to 30/06/2028 (XF1237)

5.34% 5 Year Fixed Rate to 30/06/2031 (XF1212)

5.54% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ032)

5.19% 5 Year Fixed Rate to 30/06/2031 (XF1211)

5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1208)

5.14% 2 Year Fixed Rate to 30/06/2028 (XF1206)

5.29% 2 Year Fixed Rate to 30/06/2028 (XF1207)

4.94% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1203)

4.84% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1202)

4.79% 5 Year Fixed Rate to 30/06/2031 (XF1201)

4.69% 5 Year Fixed Rate to 30/06/2031 (XF1200)

4.84% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1197)

4.69% 2 Year Fixed Rate to 30/06/2028 (XF1195)

4.74% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1196)

4.59% 2 Year Fixed Rate to 30/06/2028 (XF1194)

5.49% Expat 5 Year Fixed Rate to 31/05/2031 (XF1231)

5.29% 5 Year Fixed Rate to 31/05/2031 (XF1216)

5.59% Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1220)

5.39% Ltd Co 5 Year Fixed Rate to 31/05/2031 (XF1222)

5.19% Family Mortgage 5 Year Fixed Rate to 30/06/2031 (XF1236)

Some key features of this mortgage

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4.69% Expat 2 Year Fixed Rate to 30/06/2028 (XF1237)

Some key features of this mortgage

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5.34% 5 Year Fixed Rate to 30/06/2031 (XF1212)

Some key features of this mortgage

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5.54% RIO 5 Year Fixed Rate to 30/06/2031 (XFZ032)

Some key features of this mortgage

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5.19% 5 Year Fixed Rate to 30/06/2031 (XF1211)

Some key features of this mortgage

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5.24% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1208)

Some key features of this mortgage

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5.14% 2 Year Fixed Rate to 30/06/2028 (XF1206)

Some key features of this mortgage

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5.29% 2 Year Fixed Rate to 30/06/2028 (XF1207)

Some key features of this mortgage

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4.94% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1203)

Some key features of this mortgage

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4.84% JBSP 5 Year Fixed Rate to 30/06/2031 (XF1202)

Some key features of this mortgage

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4.79% 5 Year Fixed Rate to 30/06/2031 (XF1201)

Some key features of this mortgage

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4.69% 5 Year Fixed Rate to 30/06/2031 (XF1200)

Some key features of this mortgage

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4.84% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1197)

Some key features of this mortgage

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4.69% 2 Year Fixed Rate to 30/06/2028 (XF1195)

Some key features of this mortgage

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4.74% JBSP 2 Year Fixed Rate to 30/06/2028 (XF1196)

Some key features of this mortgage

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4.59% 2 Year Fixed Rate to 30/06/2028 (XF1194)

Some key features of this mortgage

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5.49% Expat 5 Year Fixed Rate to 31/05/2031 (XF1231)

Some key features of this mortgage

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5.29% 5 Year Fixed Rate to 31/05/2031 (XF1216)

Some key features of this mortgage

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5.59% Ltd Co 2 Year Fixed Rate to 30/06/2028 (XF1220)

Some key features of this mortgage

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5.39% Ltd Co 5 Year Fixed Rate to 31/05/2031 (XF1222)

Some key features of this mortgage

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