Compare Offset Mortgage |

Notices

Mortgage products - On Wednesday 16 September 2026, we've repriced and relaunched our Fixed Rate product ranges across Owner Occupier and Buy to Let fixed rate lending.
Our Online Saver (12), pays 4.15% Gross AER on balances of £100+. Apply online today.
Our 1 Year Fixed Rate Bond (71) has been withdrawn from sale

Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.

Sort products by:

Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment or Interest-Only?	FTB
6.34% JBSP 5 Year Fixed Rate to 31/01/2032 (XF1363)								Code XF1363 (EB)
More info	31/01/2032	7.54%	90%	£125*	£0~	£0	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 90% Fixed Rate end date - 31/01/2032 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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032 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.
6.09% 5 Year Fixed Rate to 31/01/2032 (XF1360)								Code XF1360 (EB)
More info	31/01/2032	7.54%	60%	£125*	£0~	£0	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/01/2032 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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.6% APRC.
6.24% JBSP 5 Year Fixed Rate to 31/01/2032 (XF1362)								Code XF1362 (EB)
More info	31/01/2032	7.54%	80%	£125*	£0~	£0	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 80% Fixed Rate end date - 31/01/2032 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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032 Maximum Loan - £1,000,000 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 - 7.0% APRC.
6.19% 5 Year Fixed Rate to 31/01/2032 (XF1361)								Code XF1361 (EB)
More info	31/01/2032	7.54%	80%	£125*	£0~	£0	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/01/2032 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 31/01/2028, 4% until 31/01/2029, 3% until 31/01/2030, 2% until 31/01/2031, 1% until 31/01/2032 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.7% APRC.
6.39% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1359)								Code XF1359 (EB)
More info	31/01/2029	7.54%	90%	£125*	£0~	£0	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 90% Fixed Rate end date - 31/01/2029 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 31/01/2028, 1% until 31/01/2029 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 - 7.5% APRC.
6.29% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1358)								Code XF1358 (EB)
More info	31/01/2029	7.54%	80%	£125*	£0~	£0	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Joint Borrower Sole Proprietor applications for Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 80% Fixed Rate end date - 31/01/2029 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 31/01/2028, 1% until 31/01/2029 Maximum Loan - £1,000,000 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 - 7.5% APRC.
6.24% 2 Year Fixed Rate to 31/01/2029 (XF1357)								Code XF1357 (EB)
More info	31/01/2029	7.54%	80%	£125*	£0~	£0	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/01/2029 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 31/01/2028, 1% until 31/01/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.3% APRC.
6.74% Expat Ltd Co 5 Year Fixed Rate to 30/11/2031 (XF1394)								Code XF1394
More info	30/11/2031	8.29%	75%	£175*	1.00%~	£0^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Expat Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/11/2031 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 - 1% of the loan amount ^Cashback - £0 Early Repayment Charges - 5% until 30/11/2027, 4% until 30/11/2028, 3% until 30/11/2029, 2% until 30/11/2030, 1% until 30/11/2031 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 - 8.1% APRC Additional criteria - Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
6.14% 2 Year Fixed Rate to 31/01/2029 (XF1356)								Code XF1356 (EB)
More info	31/01/2029	7.54%	60%	£125*	£0~	£0	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/01/2029 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 31/01/2028, 1% until 31/01/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.2% APRC.
6.64% Expat Ltd Co 2 Year Fixed Rate to 31/01/2029 (XF1393)								Code XF1393
More info	31/01/2029	8.29%	75%	£175*	1.00%~	£0^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Expat Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2029 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 - 1% of the loan amount ^Cashback - £0 Early Repayment Charges - 2% until 31/01/2028, 1% until 31/01/2029 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 Cost for comparison - 8.5% APRC Additional criteria - Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
6.74% HMO Expat 5 Year Fixed Rate to 30/11/2031 (XF1392)								Code XF1392
More info	30/11/2031	8.29%	75%	£175*	1.00%~	£0^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - HMO Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/11/2031 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage)* - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount Early Repayment Charges - 5% until 30/11/2027, 4% until 30/11/2028, 3% until 30/11/2029, 2% until 30/11/2030, 1% until 30/11/2031 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 - 8.2% APRC Additional criteria - HMO Specific Criteria - Available for properties with up to six lettable bedrooms and a maximum of six occupants. For student lets, the property must be located in one of our nine approved areas. Not available for care homes.
6.69% HMO Expat 2 Year Fixed Rate to 31/01/2029 (XF1391)								Code XF1391
More info	31/01/2029	8.29%	75%	£175*	1.00%~	£0^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - HMO Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2029 Application Fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage)* - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount Early Repayment Charges - 2% until 31/01/2028, 1% until 31/01/2029 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 Cost for comparison - 8.5% APRC Additional criteria - HMO Specific Criteria - Available for properties with up to six lettable bedrooms and a maximum of six occupants. For student lets, the property must be located in one of our nine approved areas. Not available for care homes.
6.09% Expat 2 Year Fixed Rate to 31/01/2029 (XF1387)								Code XF1387
More info	31/01/2029	8.29%	75%	£175*	2.00%~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2029 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/01/2028, 1% until 31/01/2029 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 Cost for comparison - 8.4% APRC Additional criteria - None.
6.54% Expat 5 Year Fixed Rate to 30/11/2031 (XF1389)								Code XF1389
More info	30/11/2031	8.29%	75%	£175*	1.00%~	£0^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/11/2031 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 - 1% of the loan amount Early Repayment Charges - 5% until 30/11/2027, 4% until 30/11/2028, 3% until 30/11/2029, 2% until 30/11/2030, 1% until 30/11/2031 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 - 8.1% APRC Additional criteria - None.
6.49% Expat 2 Year Fixed Rate to 31/01/2029 (XF1386)								Code XF1386
More info	31/01/2029	8.29%	75%	£175*	1.00%~	£0^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2029 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 - 1% of the loan amount Early Repayment Charges - 2% until 31/01/2028, 1% until 31/01/2029 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 Cost for comparison - 8.4% APRC Additional criteria - None.
6.64% HMO Ltd Co 2 Year Fixed Rate to 31/01/2029 (XF1384)								Code XF1384
More info	31/01/2029	8.29%	75%	£175*	1.00%~	£0^	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2029 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage)* - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount ^Cashback - £0 Early Repayment Charges - 2% until 31/01/2028, 1% until 31/01/2029 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 Cost for comparison - 8.4% APRC Additional criteria - Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320. HMO Specific Criteria - Available for properties with up to six lettable bedrooms and a maximum of six occupants. For student lets, the property must be located in one of our nine approved areas. Not available for care homes.
6.59% HMO Ltd Co 5 Year Fixed Rate to 30/11/2031 (XF1385)								Code XF1385
More info	30/11/2031	8.29%	75%	£175*	1.00%~	£0^	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - HMO Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/11/2031 Application fee - £175 + Valuation Fee Valuation Fees (Purchase and Remortgage)* - The HMO valuation fee scale applies, less £330 discount ^~Product Fee - 1% of the loan amount ^Cashback - £0 Early Repayment Charges - 5% until 30/11/2027, 4% until 30/11/2028, 3% until 30/11/2029, 2% until 30/11/2030, 1% until 30/11/2031 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 - 8.1% APRC Additional criteria - Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320. HMO Specific Criteria - Available for properties with up to six lettable bedrooms and a maximum of six occupants. For student lets, the property must be located in one of our nine approved areas. Not available for care homes.
6.44% Ltd Co 2 Year Fixed Rate to 31/01/2029 (XF1378)								Code XF1378
More info	31/01/2029	8.29%	75%	£175*	1.00%~	£0^	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2029 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 - 1% of the loan amount ^Cashback - £0 Early Repayment Charges - 2% until 31/01/2028, 1% until 31/01/2029 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 Cost for comparison - 8.4% APRC Additional criteria - Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
6.39% Ltd Co 5 Year Fixed Rate to 30/11/2031 (XF1381)								Code XF1381
More info	30/11/2031	8.29%	75%	£175*	1.00%~	£0^	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 30/11/2031 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 - 1% of the loan amount ^Cashback - £0 Early Repayment Charges - 5% until 30/11/2027, 4% until 30/11/2028, 3% until 30/11/2029, 2% until 30/11/2030, 1% until 30/11/2031 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 - 8.0% APRC Additional criteria - Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.
5.99% Ltd Co 2 Year Fixed Rate to 31/01/2029 (XF1379)								Code XF1379
More info	31/01/2029	8.29%	75%	£175*	2.00%~	£500^	Repayment Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 75% Fixed Rate end date - 31/01/2029 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 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% until 31/01/2028, 1% until 31/01/2029 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 Cost for comparison - 8.4% APRC Additional criteria - Ltd Company Specific Criteria - The company must be a Special Purpose Vehicle (SPV) registered in England and Wales under either of the following Standard Industry Classification (SIC) Codes:68100, 68209 or 68320.

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

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
Sorry, there are no products to show based on your selection. Please try again.

Comparing two mortgage products


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.

Case study - A repayment mortgage even in retirement

Christine and her husband were looking for a repayment mortgage in their retirement but needed a long mortgage term

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.

Award image multi award winning including 7 awards in 2025

More about who we are View our awards

Contact our expert UK team

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

... or ask the way that suits you.

Request a call back

We can call you back at a time that suits you.

Visit us in branch

Ashley Square, Epsom, Surrey, KT18 5DD.

View our FAQs

Your questions might be answered here.

See full contact details

6.34% JBSP 5 Year Fixed Rate to 31/01/2032 (XF1363)

6.09% 5 Year Fixed Rate to 31/01/2032 (XF1360)

6.24% JBSP 5 Year Fixed Rate to 31/01/2032 (XF1362)

6.19% 5 Year Fixed Rate to 31/01/2032 (XF1361)

6.39% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1359)

6.29% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1358)

6.24% 2 Year Fixed Rate to 31/01/2029 (XF1357)

6.74% Expat Ltd Co 5 Year Fixed Rate to 30/11/2031 (XF1394)

6.14% 2 Year Fixed Rate to 31/01/2029 (XF1356)

6.64% Expat Ltd Co 2 Year Fixed Rate to 31/01/2029 (XF1393)

6.74% HMO Expat 5 Year Fixed Rate to 30/11/2031 (XF1392)

6.69% HMO Expat 2 Year Fixed Rate to 31/01/2029 (XF1391)

6.09% Expat 2 Year Fixed Rate to 31/01/2029 (XF1387)

6.54% Expat 5 Year Fixed Rate to 30/11/2031 (XF1389)

6.49% Expat 2 Year Fixed Rate to 31/01/2029 (XF1386)

6.64% HMO Ltd Co 2 Year Fixed Rate to 31/01/2029 (XF1384)

6.59% HMO Ltd Co 5 Year Fixed Rate to 30/11/2031 (XF1385)

6.44% Ltd Co 2 Year Fixed Rate to 31/01/2029 (XF1378)

6.39% Ltd Co 5 Year Fixed Rate to 30/11/2031 (XF1381)

5.99% Ltd Co 2 Year Fixed Rate to 31/01/2029 (XF1379)