Individual Buy to Let Mortgages |

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Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment	Interest Only	FTB
6.19% 2 Year Fixed Rate to 30/11/2026 (XF0834)								Code XF0834 (EB)
More info	30/11/2026	8.44%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 30/11/2026 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 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.1% APRC.
5.59% 5 Year Fixed Rate to 30/11/2029 (XF0837)								Code XF0837 (EB)
More info	30/11/2029	8.44%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 30/11/2029 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 - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.0% APRC.
5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - IO)								Code XF0839 - IO (EB)
More info	30/11/2029	8.44%	95%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 30/11/2029 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 - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.6% APRC.
5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - RP)								Code XF0839 - RP (EB)
More info	30/11/2029	8.44%	95%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 30/11/2029 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 - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.4% APRC.
5.84% RIO 5 Year Fixed Rate to 30/11/2029 (XFZ024)								Code XFZ024 (EB)
More info	30/11/2029	8.44%	50%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance Loan to Value - 50% Fixed Rate end date - 30/11/2029 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 - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.4% APRC.
6.44% (2.00% discounted rate from follow on rate) for 3 years (XD0219)								Code XD0219 (EB)
More info	3 years	8.44%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Discount - 2.00% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 3.94% Loan to Value - 60% 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 - 3% in the first year, 2% in the second year, 1% in the third year Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.0% APRC.
6.69% (1.75% discounted rate from follow on rate) for 3 years (XD0220)								Code XD0220 (EB)
More info	3 years	8.44%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Discount - 1.75% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 4.19% Loan to Value - 80% 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 - 3% in the first year, 2% in the second year, 1% in the third year Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.2% APRC.
6.59% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)								Code XD0215 (EB)
More info	2 years	8.44%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for 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 - 60% 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% in the first year, 1% in the second year 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 ^Cashback - £0 Cost for comparison - 8.5% APRC.
6.84% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)								Code XD0216 (EB)
More info	2 years	8.44%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for 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 - 80% 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% in the first year, 1% in the second year 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 ^Cashback - £0 Cost for comparison - 8.5% APRC.
5.69% 2 Year Fixed Rate to 30/11/2026 (XF0840)								Code XF0840 (EB)
More info	30/11/2026	9.19%	60%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 30/11/2026 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 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.7% APRC.
5.84% 2 Year Fixed Rate to 30/11/2026 (XF0841)								Code XF0841 (EB)
More info	30/11/2026	9.19%	70%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 70% Fixed Rate end date - 30/11/2026 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 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.7% APRC.
5.19% 5 Year Fixed Rate to 31/10/2029 (XF0842)								Code XF0842 (EB)
More info	31/10/2029	9.19%	60%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/10/2029 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 - 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 Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.5% APRC.
5.34% 5 Year Fixed Rate to 31/10/2029 (XF0843)								Code XF0843 (EB)
More info	31/10/2029	9.19%	70%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 70% Fixed Rate end date - 31/10/2029 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 - 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 Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.6% APRC.
5.84% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0844)								Code XF0844 (EB)
More info	30/11/2026	9.19%	60%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/11/2026 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 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.8% APRC.
5.34% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0846)								Code XF0846 (EB)
More info	31/10/2029	9.19%	60%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/10/2029 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 - 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 Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.8% APRC.
5.99% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0845)								Code XF0845 (EB)
More info	30/11/2026	9.19%	70%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 30/11/2026 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 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.9% APRC.
5.49% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0847)								Code XF0847 (EB)
More info	31/10/2029	9.19%	70%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 31/10/2029 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 - 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 Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.9% APRC.
5.99% Expat 2 Year Fixed Rate to 30/11/2026 (XF0848)								Code XF0848 (EB)
More info	30/11/2026	9.19%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/11/2026 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 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.9% APRC.
6.14% Expat 2 Year Fixed Rate to 30/11/2026 (XF0849)								Code XF0849 (EB)
More info	30/11/2026	9.19%	70%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 30/11/2026 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 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.9% APRC.
5.44% Expat 5 Year Fixed Rate to 31/10/2029 (XF0850)								Code XF0850 (EB)
More info	31/10/2029	9.19%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/10/2029 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 - 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 Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.9% APRC.

The mortgage will be secured on your property.
Your property 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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Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

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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Mortgages - 03330 140140

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savings.service@familybsoc.co.uk

Mortgages - 03330 140146
mortgage.service@familybsoc.co.uk

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6.19% 2 Year Fixed Rate to 30/11/2026 (XF0834)

5.59% 5 Year Fixed Rate to 30/11/2029 (XF0837)

5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - IO)

5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - RP)

5.84% RIO 5 Year Fixed Rate to 30/11/2029 (XFZ024)

6.44% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

6.69% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

6.59% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

6.84% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

5.69% 2 Year Fixed Rate to 30/11/2026 (XF0840)

5.84% 2 Year Fixed Rate to 30/11/2026 (XF0841)

5.19% 5 Year Fixed Rate to 31/10/2029 (XF0842)

5.34% 5 Year Fixed Rate to 31/10/2029 (XF0843)

5.84% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0844)

5.34% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0846)

5.99% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0845)

5.49% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0847)

5.99% Expat 2 Year Fixed Rate to 30/11/2026 (XF0848)

6.14% Expat 2 Year Fixed Rate to 30/11/2026 (XF0849)

5.44% Expat 5 Year Fixed Rate to 31/10/2029 (XF0850)