Notices
  • Online Service update. Due to planned essential maintenance, our Online Service will be unavailable between 9:00am to 10:00am on Saturday 25 October. We apologise for any inconvenience this may cause.

  • Please note that our Market Tracker Cash ISA (2) has been withdrawn from sale. Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.
  • Mortgage products - On Tuesday 30 September 2025, we made changes to our mortgage product range. This included decreases across many of our Fixed Rate products for Owner Occupier and Buy to Let products.

    Buy to Let Limited Companies

    In addition we launched new Fixed Rate products for Buy to Let Limited Company landlords (UK registered companies) who have expat shareholders and/or directors in our acceptable list of countries.

    Managed Mortgage Rates and Discounted Variable Rates

    From 1 October 2025, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.25%. 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 have written to existing customers who have been impacted by this change, with details relevant to them.

  • We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use.  Online Service changes

Security through property

How family can use the value in their property as security to support the Family Mortgage.

If your family want to help you to buy a home but aren’t able to give you a gift or loan, they can still help by providing security through their own home. If you have a minimum of 5% deposit, from savings or a gift, family members can give a charge over some of the value in their own property.

By providing this security it will lower the interest rate that the buyer might otherwise not be able to get and so reduces their monthly payments.

Things to remember

  • Family members providing financial support should be aware that if the buyer is unable to meet the mortgage payments, the security they have provided is at risk if the property needs to be sold and there is a shortfall.

  • However during the first 10 years we do provide the buyer with important protection. Subject to certain conditions we'll meet the mortgage payments for up to six months should they become unemployed through no fault of their own, on a one-off basis.

What next?

You probably have a lot of questions about how the Family Mortgage could work for you - we are here to help. You can also read our frequently asked questions from the buyer and the family helping the buyer.

Call us on 03330 140144 Ask us to call back  Email us

 

You can find out more about the other Family Mortgage options here:

Any questions?

To find out more about our Family Mortgage you can contact our friendly New Business Team.