Notices
  • It's been a record year for us on the awards front. Read about our latest award win at the Mortgage Introducer Awards, and all the other awards we've won in 2024. Find out more
  • Our Autumn newsletter is now available. You can download it here

  • Mortgage products - From today, Friday 22 November, we've made changes to our mortgage product range. This includes increases across our Owner Occupier Fixed Rate Repayment and Interest-Only products, as well as our Buy to Let Fixed Rate products.

  • Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 December 2024. We will be writing to all customers individually to confirm the new rates.

    Mortgages: Tracker mortgages will change on 25 December 2024 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

    (Notice updated 08/11)

  • Online Service update. Due to planned essential maintenance our Online Service will be unavailable between Thursday 12 December at 10:00pm until Friday 13 December at 2:00am. It will also be unavailable on Sunday 15 December between 8:00am and 6:00pm. We apologise for any inconvenience this may cause.

MORTGAGES_Family-mortgage-hub_994x437_150dpi

Family Mortgages

See all of our Family Mortgage products available for purchase.
The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Please refer to our lending criteria for more information.

Product details should be read in conjunction with our 'Getting a Mortgage: what you need to know' guide and our lending criteria.

 

Find out more about how the Family Mortgage works for home buyers and family members.

What Mortgage Awards 2023 Best Guarantor Family Support Lender Winner
Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

5.19% Family Mortgage 5 Year Fixed Rate to 31/05/2030 (XF0912)
5.19% 8.19% 7.1%APRC
  • Repayment
 95% £0~

Some key features of this mortgage

  • Purpose - Family Mortgage applications for Product Switch and Further Advance
  • Loan to Value - 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 31/05/2030
  • 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030
  • 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 - 7.1% 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

5.19% Family Mortgage 5 Year Fixed Rate to 31/05/2030 (XF0912)
5.19% 8.19% 7.2%APRC
  • Repayment
 95% £599~

£250 cashback for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage purchase applications
  • Loan to Value - Maximum 95%
  • Security options available - Family Security Account, Family Offset Account, Security Through Property.
  • Fixed Rate end date - 31/05/2030
  • 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 - £599 for loans up to £500,000
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030
  • Maximum loan - £500,000
  • Minimum Loan - £45,000 for Puchase applications
  • 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

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.