• Homes for Ukraine - important information can be found here.

  • Rate changes following Bank of England decision to raise its Bank Rate to 1.25% on 16 June.

    the majority of our variable savings rates have been increased from 24 June. Rate increases for Windfall Bond and Tracker Savings Bond apply from 1 July. (Updated 1 July.)

    Mortgages: our variable mortgage rates will increase and we are in the process of writing to affected customers with details of their revised payments, interest rate and effective date. Product rates now shown on the website reflect this increase. (Updated 1 July.)


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.

Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional

3.89% 5 year fixed rate until 31/10/2027 Family Mortgage

3.89% 5.54% 5.1%APRC
  • Repayment
95% £599~ £250 cashback for purchase applications^

Some key features of this mortgage

  • Purpose - Family Mortgage applications for purchase, product switch and further advance
  • Loan to Value - Maximum 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available.
  • Security options available - Security Account, Security Through Property, Offset Account. Find out more here.
  • Fixed Rate end date - 31/10/2027
  • 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 purchase applications. (£0 for further advance, £0 for product switch)
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/10/2023, 4% until 31/10/2024, 3% until 31/10/2025, 2% until 31/10/2026, 1% until 31/10/2027
  • Additional criteria – The mortgage must complete by 03/10/2022 
  • Cost for comparison - 5.1% APRC

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

Comparing two mortgage products

Mortage icon - House Mortgage icon - House
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
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.