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Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment or Interest-Only?	FTB
6.64% 2 Year Fixed Rate to 31/01/2029 (XF1367)								Code XF1367 (EB)
More info	31/01/2029	7.54%	80%	£125*	£0~	£0	Interest-Only	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 - 7.6% APRC.
6.74% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1368)								Code XF1368 (EB)
More info	31/01/2029	7.54%	80%	£125*	£0~	£0	Interest-Only	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 - £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 - 7.7% APRC.
6.14% 2 Year Fixed Rate to 31/01/2029 (XF1356)								Code XF1356
More info	31/01/2029	7.54%	60%	£175*	£999~	£500^	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2029 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% 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 - 7.5% APRC Additional criteria - None.
6.64% 5 Year Fixed Rate to 31/01/2032 (XF1370)								Code XF1370 (EB)
More info	31/01/2032	7.54%	80%	£125*	£0~	£0	Interest-Only	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 - 7.3% APRC.
6.49% 5 Year Fixed Rate to 31/01/2032 (XF1369)								Code XF1369 (EB)
More info	31/01/2032	7.54%	60%	£125*	£0~	£0	Interest-Only	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 - 7.2% APRC.
6.59% RIO 5 Year Fixed Rate to 31/01/2032 (XFZ037)								Code XFZ037 (EB)
More info	31/01/2032	7.54%	50%	£125*	£0~	£0	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance Loan to Value - 50% 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 - 7.3% APRC.
6.89% Ltd Co 2 Year Fixed Rate to 31/01/2029 (XF1380)								Code XF1380 (EB)
More info	31/01/2029	8.29%	75%	£125*	£0~	£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 Product Switch and Further Advance Loan to Value - 75% 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 - 8.3% APRC.
6.69% 2 Year Fixed Rate to 31/01/2029 (XF1373)								Code XF1373 (EB)
More info	31/01/2029	8.29%	75%	£125*	£0~	£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 - Further Advance and Product Switch applications Loan to Value - 75% 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 - 8.2% APRC.
6.44% 5 Year Fixed Rate to 30/11/2031 (XF1375)								Code XF1375 (EB)
More info	30/11/2031	8.29%	75%	£125*	£0~	£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 - Further Advance and Product Switch applications Loan to Value - 75% Fixed Rate end date - 30/11/2031 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 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 Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% APRC.
6.94% Expat 2 Year Fixed Rate to 31/01/2029 (XF1388)								Code XF1388 (EB)
More info	31/01/2029	8.29%	75%	£125*	£0~	£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 Product Switch and Further Advance Loan to Value - 75% 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 - 8.4% APRC.
6.54% Ltd Co 5 Year Fixed Rate to 30/11/2031 (XF1383)								Code XF1383 (EB)
More info	30/11/2031	8.29%	75%	£125*	£0~	£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 Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 30/11/2031 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 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 Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.8% APRC.
6.69% Expat 5 Year Fixed Rate to 30/11/2031 (XF1390)								Code XF1390 (EB)
More info	30/11/2031	8.29%	75%	£125*	£0~	£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 Product Switch and Further Advance Loan to Value - 75% Fixed Rate end date - 30/11/2031 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 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 Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.9% APRC.
5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)								Code XD0232
More info	2 years	7.54%	80%	£175*	£999~	£500^	Repayment	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Purchase and Remortgage Discount - 2.35% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.44% Loan to Value - Maximum 80% 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year 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 - 7.2% APRC Additional criteria - None.
5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)								Code XD0233
More info	2 years	7.54%	80%	£175*	£999~	£500^	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 Purchase and Remortgage Discount - 2.25% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.54% Loan to Value - Maximum 80% 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 - £999 for loans up to £500,000 ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.5% APRC Additional criteria - None.
5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)								Code XD0235
More info	2 years	7.54%	80%	£175*	£599~	£500^	Interest-Only	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 Purchase and Remortgage Discount - 1.85% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.94% Loan to Value - Maximum 80% 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 - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - £500,000 Minimum Loan - £45,000 for Purchase and Remortgage Cost for comparison - 7.6% APRC Additional criteria - None.
5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)								Code XD0234
More info	2 years	7.54%	80%	£175*	£999~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Purchase and Remortgage Discount - 2.00% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 3.79% Loan to Value - Maximum 80% 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year 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 - 7.5% APRC Additional criteria - None.
5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)								Code XD0236
More info	2 years	7.54%	80%	£175*	£999~	£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 Discount - 1.75% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.04% Loan to Value - Maximum 80% 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application Minimum Loan - £100,000 for Purchase and Remortgage Cost for comparison - 7.4% APRC Additional criteria - None.
5.54% 2 Year Tracker Rate (1.79% above the BOE Bank Rate) (XT0016)								Code XT0016
More info	2 years	7.54%	80%	£175*	£999~	£500^	Interest-Only	No
More info More details, fees & downloads Criteria A-Z Check affordability Contact your BDM Request DIP / Illustration and apply Purpose - Purchase and Remortgage Difference from Bank Rate - 1.79% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years Minimum Rate - 3.79% Loan to Value - Maximum 80% 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 - £999 for loans up to £500,000. For loans above £500,000, 0.3% of the loan amount ^Cashback - £500 for Remortgage applications Early Repayment Charges - 2% in the first year, 1% in the second year 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 - 7.5% APRC Additional criteria - None.
5.34% 2 Year Tracker Rate (1.59% above the BOE Bank Rate) (XT0018)								Code XT0018
More info	2 years	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 - Purchase and Remortgage Difference from Bank Rate - 1.59% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years Minimum Rate - 3.59% Loan to Value - Maximum 75% 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% in the first year, 1% in the second year 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 - None.
5.39% 2 Year Tracker Rate Ltd Co (1.64% above the BOE Bank Rate) (XT0020)								Code XT0020
More info	2 years	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 Difference from Bank Rate - 1.64% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years Minimum Rate - 3.64% Loan to Value - Maximum 75% 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% in the first year, 1% in the second year 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 - 8.3% 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
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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

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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.

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mortgage.service@familybsoc.co.uk

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6.64% 2 Year Fixed Rate to 31/01/2029 (XF1367)

6.74% JBSP 2 Year Fixed Rate to 31/01/2029 (XF1368)

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

6.64% 5 Year Fixed Rate to 31/01/2032 (XF1370)

6.49% 5 Year Fixed Rate to 31/01/2032 (XF1369)

6.59% RIO 5 Year Fixed Rate to 31/01/2032 (XFZ037)

6.89% Ltd Co 2 Year Fixed Rate to 31/01/2029 (XF1380)

6.69% 2 Year Fixed Rate to 31/01/2029 (XF1373)

6.44% 5 Year Fixed Rate to 30/11/2031 (XF1375)

6.94% Expat 2 Year Fixed Rate to 31/01/2029 (XF1388)

6.54% Ltd Co 5 Year Fixed Rate to 30/11/2031 (XF1383)

6.69% Expat 5 Year Fixed Rate to 30/11/2031 (XF1390)

5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)

5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)

5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)

5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)

5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)

5.54% 2 Year Tracker Rate (1.79% above the BOE Bank Rate) (XT0016)

5.34% 2 Year Tracker Rate (1.59% above the BOE Bank Rate) (XT0018)

5.39% 2 Year Tracker Rate Ltd Co (1.64% above the BOE Bank Rate) (XT0020)