Notices
MORTGAGES_Moving-home-and-remortgage-hub_994x437_150dpi

Moving home or need to remortgage?

We offer a wide range of Owner Occupier mortgages available for moving home or remortgaging.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

At Family Building Society we can assist with a mortgage if you are moving home or would like to raise some equity by remortgaging your existing property. The minimum property value we would consider is £120,000 in England and Wales.

We have a number of mortgage products available. Take a look at our current range of mortgage products below.

Who can apply?

You can apply if you are aged 18 or over.

How do I apply?

Step 1 - Start by contacting our New Business Team on 03330 140140 or by requesting a call back. They’ll go over some basic information with you including how much you would like to borrow and what for. They’ll need to know about your income and outgoings to make sure you can afford the mortgage and they’ll check that the mortgage meets our lending criteria.

Step 2 – After our New Business Team have reviewed your circumstances, they’ll refer you to our Mortgage Advice Team who will go through things in more detail and recommend a suitable product. This advice is free of charge from our in-house team, or you can choose to use your own adviser (they might charge you for this).

Step 3 – Submit your application along with any supporting documents (there is a list of what’s required on our application form), the £175 Application Fee and the Valuation Fee (if the property is above £500,000). There will be further fees associated with the product selected, which will be explained to you by the Mortgage Advice Team.

Step 4 – Once the application has been assessed a valuation will be carried out on the property you wish to buy or your home if you would like to remortgage. The application will then be underwritten and we will provide you with a mortgage offer. A copy of this will also be given to your nominated legal representative who will contact you with some forms to be completed.

Step 5 – Once your nominated legal representative have carried out the necessary searches and received the forms back from you we can arrange to send the funds to them (this is called “completion”).

 

Any questions?

If you have any questions and are unsure what mortgage product would be suitable for you you can arrange an appointment or speak to a customer representative. You can get in touch the following ways:

  Ask us to call back  Email us

 

When you submit your application there will be a number of costs;

  • Application Fee - £175
  • Product fee - £599 up to £999 depending on product chosen
  • Valuation Fee - If the property you wish to buy is valued at less than £500,000, then you won't have to pay a valuation fee. For properties of £500,000 or more, you will have to pay a fee and our New Business Team can confirm this when you speak to them.
  • Legal fees - You will not have to pay anything to us, however, you will have to factor in the fees of your own Solicitor or other legal representative. 

Usually between 12 and 16 weeks.

Our current range of products and their interest rates can be found below.

We’ll send you an application form after you’ve spoken to our Mortgage Advice Team.

When the application is received from you.
Yes we do and there is no charge for their advice.
Yes we do and we will consider their retirement income.

Our mortgage products available for moving home and remortgage


Do you already have a mortgage with us? If you want to borrow more or switch to another mortgage product we have a range of mortgage products available.

 

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

4.89% 5 Year Fixed Rate to 31/10/2029 (XF0799)

4.89% 8.44% 5.8%APRC
  • Repayment
60% £999~ £500 for remortgage applications^

Some key features of this mortgage

  • Purpose - Purchase, Remortgage, Further Advance and Product Switch
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2029
  • *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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.8% APRC

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

    4.99% 5 Year Fixed Rate to 31/10/2029 (XF0800)

    4.99% 8.44% 5.9%APRC
    • Repayment
    80% £999~ £500 for remortgage applications^

    Some key features of this mortgage

    • Purpose - Purchase, Remortgage, Further Advance, Product Switch
    • LTV - Maximum 80%
    • Fixed Rate end date - 31/10/2029
    • *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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advance. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028,1% until 31/10/2029
    • 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. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 5.9% APRC.
     

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

    4.99% JBSP 5 Year Fixed Rate to 31/10/2029 (XF0801)

    4.99% 8.44% 7.1%APRC
    • Repayment
    60% £599~ £500 for remortgage applications^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor applications for Purchase, Remortgage, Further Advance and Product Switches. Also available for product switch and further advance for existing guarantor mortgages
    • LTV - Maximum 60%
    • Fixed rate end date - 31/10/2029
    • *Application Fee -  £175 + Valuation Fee. (£125 for further advance. £0 for product switches)
    • 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 loans up to £500,000. (£0 for further advance. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
    • Maximum loan - £500,000
    • Minimum loan - £45,000 for purchase and remortgage. £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.

    5.09% Family Mortgage 5 Year Fixed Rate to 31/10/2029 (XF0803)

    5.09% 8.44% 7.4%APRC
    • Repayment
    95% £599~ £250 for purchase applications^

    Some key features of this mortgage

    • Purpose - Family Mortgage applications for purchase, further advance, product switch
    • 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 - 31/10/2029
    • *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 loans up to £500,000. (£0 for further advance. £0 for product switch)
    • ^Cashback - £250 for purchase applications
    • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
    • Maximum loan - £500,000
    • Minimum loan - £45,000 for purchase applications. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 7.4% APRC

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

    5.09% JBSP 5 Year Fixed Rate to 31/10/2029 (XF0802)

    5.09% 8.44% 7.2%APRC
    • Repayment
    80% £599~ £500 for remortgage application^

    Some key features of this mortgage

     

    • Purpose - Joint Borrower Sole Proprietor applications for Purchase, Remortgage, Further Advance and Product Switches. Also available for product switch and further advance for existing guarantor mortgages
    • LTV - Maximum 80%
    • Fixed rate end date - 31/10/2029
    • *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 loans up to £500,000. (£0 for further advance. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
    • Maximum loan - £500,000
    • Minimum loan - £45,000 for purchase and remortgage. £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.

    5.44% 2 Year Fixed Rate to 31/10/2026 (XF0793)

    5.44% 8.44% 7.5%APRC
    • Repayment
    60% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • LTV - Maximum 60%.
    • Fixed Rate end date - 31/10/2026
    • 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 - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount (£0 for further advance. £0 for product switch)
    • Early Repayment Charges - 2% until 31/10/2025, 1% until 31/10/2026
    • 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£2,000 for further advance. No minimum for product switches
    • Additional benefits:
      ^Cashback - £500 cashback on completion for remortgage applications
    • Cost for comparison - 7.5% APRC

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

    5.49% 5 Year Fixed Rate to 31/10/2029 (XF0807)

    5.49% 8.44% 6.9%APRC
    • Interest-Only
    60% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
    • LTV - Maximum 60%
    • Fixed Rate end date - 31/10/2029
    • Application Fee - £175 + Valuation Fee. (£125 for further advances. £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 advances. £0 for product switch)
    • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
    • 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. £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.

    5.54% JBSP 2 Year Fixed Rate to 31/10/2026 (XF0795)

    5.54% 8.44% 8.1%APRC
    • Repayment
    60% £599~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages. 
    • LTV - Maximum 60%
    • Fixed Rate end date - 31/10/2026
    • 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 loans up to £500,000. (£0 for further advance, £0 for product switch)
    • Early Repayment Charges - 2% until 31/10/2025, 1% until 31/10/2026
    • Maximum loan - £500,000
    • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
    • Additional benefits:
      ^Cashback - £500 cashback on completion for remortgage applications
    • Cost for comparison - 8.1% APRC

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

    5.54% 2 Year Fixed Rate to 31/10/2026 (XF0794)

    5.54% 8.44% 7.5%APRC
    • Repayment
    80% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • LTV - Maximum 80%.
    • Fixed Rate end date - 31/10/2026
    • 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 -  £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
    • Early Repayment Charges - 2% until 31/10/2025, 1% until 31/10/2026
    • 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. £2,000 for further advance. No minimum for product switches
    • Additional benefits:
      ^Cashback
       - £500 cashback on completion for remortgage applications
    • Cost for comparison - 7.5% APRC

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

    5.64% JBSP 2 Year Fixed Rate to 31/10/2026 (XF0796)

    5.64% 8.44% 8.1%APRC
    • Repayment
    80% £599~

    £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
    • Loan to Value - Maximum 80%
    • Fixed Rate end date - 31/10/2026
    • Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switches.)
    • 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 loans up to £500,000.  (£0 for further advance. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 2% until 31/10/2025, 1% until 31/10/2026
    • Maximum loan - £500,000
    • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 8.1% APRC

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

    5.74% 5 Year Fixed Rate to 31/10/2029 (XF0808)

    5.74% 8.44% 7.0%APRC
    • Interest-Only
    80% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
    • LTV - Maximum 80%
    • Fixed Rate end date - 31/10/2029
    • Application Fee - £175 + Valuation Fee. (£125 for further advances. £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 advances. £0 for product switch)
    • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
    • 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. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 7.0% APRC

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

    5.99% RIO 5 Year Fixed Rate to 31/10/2029 (XFZ023)

    5.99% 8.44% 7.6%APRC
    • Interest-Only
    50% £999~

    £500 cashback for remortgages^

    Overpayments allowed

    Some key features of this mortgage

    • Purpose - RIO applications for purchase, remortgage, product switch and additional borrowing
    • LTV - Maximum 50%.
    • Fixed Rate end date - 31/10/2029
    • Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for 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 and switch)
    • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance and switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
    • Overpayments - 10% per year allowed Early Repayment Charges free
    • 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. £2,000 for further advance. No minimum for product switches.
    • Cost for comparison - 7.6% APRC
    • Additional criteria - Borrowers are required to nominate a Registered Contact when they apply.

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

    6.09% 2 Year Fixed Rate to 31/10/2026 (XF0804)

    6.09% 8.44% 8.1%APRC
    • Interest-Only
    60% £999~

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, further advance and product switches.
    • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
    • LTV - Maximum 60%
    • Fixed Rate end date - 31/10/2026
    • 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 advances. £0 for product switch)
    • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 2% until 31/10/2025, 1% until 31/10/2026
    • 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. £2,000 for further advance. No minimum for product switches.
    • Cost for comparison - 8.1% APRC

    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%APRC
    • Repayment
    60% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

    Payment or Balance reduction (only available for repayment mortgages)

    Some key features of this mortgage

    • Purpose - Offset applications for purchase, remortgage, product switch and further advance
    • Options available - Balance reduction (only available for repayment mortgages) or payment reduction. Find out more about these options here
    • Discount - 2.25% applied to our Managed Flexi Mortgage Rate for 2 years
    • Minimum rate - 3.79% 
    • Loan to Value - Maximum 60%
    • Application Fee - £175 + Valuation Fee for purchase and remortgage.  (£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 and switch)
    • ~Product Fee - £999 for loans up to £500,000.  For loans above £500,000, 0.3% of the loan amount. (£0 for further advance and switch)
    • Additional benefits:
      - ^Cashback
       - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver.
    • Maximum loan - No maximum.
    • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
    • Cost for comparison - 8.2% APRC
    • Early Repayment Charges -  2% in the first year, 1% in the second year
    • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases.
    • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset.

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

    6.34% 2 Year Fixed Rate to 31/10/2026 (XF0805)

    6.34% 8.44% 8.2%APRC
    • Interest-Only
    80% £999~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Purchase, remortgage, product switch and further advance
    • Please note that this product is exclusively available for purchase and remortgage purposes for direct customer applications, dealt with via our Mortgage Advisor Team. This product is not available for purchase / remortgage applications submitted from directly authorised brokers
    • LTV - Maximum 80%
    • Fixed Rate end date - 31/10/2026
    • Application Fee - £175 + Valuation Fee. (£125 for further advances. £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 advances. £0 for product switch)
    • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount. (£0 for further advances. £0 for product switch)
    • ^Cashback - £500 for remortgage applications
    • Early Repayment Charges - 2% until 31/10/2025, 1% until 31/10/2026
    • 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. £2,000 for further advance. No minimum for product switches
    • Cost for comparison - 8.2% APRC

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

    6.39% Offset Mortgage 2.15% Discounted Rate from follow on rate for 2 years (XO0072)

    6.39% 8.54% 8.2%APRC
    • Repayment
    80% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

    Payment or Balance reduction (only available for repayment mortgages)

    Some key features of this mortgage

    • Purpose - Offset applications for purchase, remortgage, product switch and further advance
    • Options available - Balance reduction (only available for repayment mortgages) or payment reduction. Find out more about these options here
    • Discount - 2.15% applied to our Managed Flexi Mortgage Rate for 2 years
    • Minimum rate - 3.89% 
    • Loan to Value - Maximum 80%
    • Application fee - £175 + Valuation Fee for purchase and remortgage. (£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 - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
    • Additional benefits:
      - ^Cashback 
      - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver. 
    • Maximum loan - No maximum.
    • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
    • Early Repayment Charges - 2% in the first year, 1% in the second year
    • Cost for comparison - 8.2% APRC
    • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases.
    • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset.

    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%APRC
    • Interest-Only
    60% £599~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
    • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
    • Minimum rate - 4.09% 
    • Loan to Value - Maximum 60%
    • Application Fee - £175 + Valuation Fee for purchase and remortgage applications. (£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 loans up to £500,000. (£0 for further advance. £0 for product switch.)
    • Maximum loan - £500,000.
    • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
    • Additional benefits:
      - ^Cashback - £500 cashback on completion for remortgage applications
    • Early Repayment Charges - 2% in the first year, 1% in the second year
    • Cost for comparison - 8.5% APRC

    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%APRC
    • Interest-Only
    80% £599~ £500 cashback for remortgages^

    Some key features of this mortgage

    • Purpose - Joint Borrower Sole Proprietor applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
    • Discount - 1.60% applied to our Managed Mortgage Rate for 2 years
    • Minimum rate - 4.34% 
    • Loan to Value - Maximum 80%.
    • Application fee - £175 + Valuation Fee for purchase and remortgage applications. (£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 loans up to £500,000. (£0 for further advance. £0 for product switch)
    • Maximum loan  - £500,000
    • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.         
    • Additional benefits:
      ^Cashback - £500 cashback on completion for remortgage applications
    • Early Repayment Charges - 2% for the first year, 1% for the second year
    • Cost for comparison - 8.6% APRC

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

    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.