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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
6.04% Offset (2.25% discounted rate from follow on rate) for 2 years (XO0071)								Code XO0071 (EB)
More info	2 years	8.29%	60%	£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 - Offset applications for Product Switch and Further Advance Options Available - Payment reduction or Balance reduction Discount - 2.25% applied to our Managed Flexi Mortgage Rate for 2 years Minimum Rate - 3.79% 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 ^Cashback - £0 Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.8% APRC
6.14% Offset (2.15% discounted rate from follow on rate) for 2 years (XO0072)								Code XO0072 (EB)
More info	2 years	8.29%	80%	£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 - Offset applications for Product Switch and Further Advance Options Available - Payment reduction or Balance reduction Discount - 2.15% applied to our Managed Flexi Mortgage Rate for 2 years Minimum Rate - 3.89% 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 ^Cashback - £0 Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.8% APRC
6.19% (2.00% discounted rate from follow on rate) for 3 years (XD0219)								Code XD0219 (EB)
More info	3 years	8.19%	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 - 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 - 7.8% APRC.
6.34% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)								Code XD0215 (EB)
More info	2 years	8.19%	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 - 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 - 8.2% APRC.
6.44% (1.75% discounted rate from follow on rate) for 3 years (XD0220)								Code XD0220 (EB)
More info	3 years	8.19%	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 - 7.9% APRC.
6.59% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)								Code XD0216 (EB)
More info	2 years	8.19%	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 - 8.3% APRC.
6.34% Offset (2.60% discounted rate from follow on rate) for 2 years (XO0075)								Code XO0075 (EB)
More info	2 years	8.94%	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 - Offset applications for Product Switch and Further Advance Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages. Discount - 2.60% applied to our Residential Investment 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 ^Cashback - £0 Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.8% APRC
6.49% Offset (2.45% discounted rate from follow on rate) for 2 years (XO0076)								Code XO0076 (EB)
More info	2 years	8.94%	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 - Offset applications for Product Switch and Further Advance Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages. Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 4.24% Loan to Value - 70% 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 ^Cashback - £0 Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.8% APRC
6.44% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)								Code XD0217 (EB-)
More info	2 years	8.19%	60%	£0*	£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 Discount - 1.75% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.19% Loan to Value - 60% Application Fee - £0 for Product Switches Legal Fees - No legal fees for Product Switches Valuation Fees - £0 ^~Product Fee - £0 for Product Switches Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum for product switches Minimum Loan - No minimum for product switches. ^Cashback - £0 Cost for comparison - 8.0% APRC.
6.69% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)								Code XD0218 (EB-)
More info	2 years	8.19%	80%	£0*	£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 Discount - 1.50% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.44% Loan to Value - 80% Application Fee - £0 for Product Switches Legal Fees - No legal fees for Product Switches Valuation Fees - £0 ^~Product Fee - £0 for Product Switches Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - No maximum for product switches Minimum Loan - No minimum for product switches. ^Cashback - £0 Cost for comparison - 8.1% APRC.
6.59% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)								Code XD0216
More info	2 years	8.19%	80%	£175*	£599~	£500^	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 Purchase and Remortgage 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 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 - 8.3% APRC.
6.04% Offset (2.25% discounted rate from follow on rate) for 2 years (XO0071)								Code XO0071
More info	2 years	8.29%	60%	£175*	£999~	£500^	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Offset applications for Purchase and Remortgage Options Available - Payment reduction or Balance reduction 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 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 Remortgages and £100 to open and fund linked Offset Saver account 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 - 8.0% APRC
6.34% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)								Code XD0215
More info	2 years	8.19%	60%	£175*	£599~	£500^	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 Purchase and Remortgage 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 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 - 8.3% APRC.
6.34% Offset (2.60% discounted rate from follow on rate) for 2 years (XO0075)								Code XO0075
More info	2 years	8.94%	60%	£175*	£999~	£100^	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Offset applications for Purchase and Remortgage Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages. Discount - 2.60% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - Maximum 60% 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount ^Cashback - £100 to open and fund linked Offset Saver account 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 - 9.0% APRC
6.14% Offset (2.15% discounted rate from follow on rate) for 2 years (XO0072)								Code XO0072
More info	2 years	8.29%	80%	£175*	£999~	£500^	Yes	No	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Offset applications for Purchase and Remortgage Options Available - Payment reduction or Balance reduction 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 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 Remortgages and £100 to open and fund linked Offset Saver account 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 - 8.0% APRC
6.49% Offset (2.45% discounted rate from follow on rate) for 2 years (XO0076)								Code XO0076
More info	2 years	8.94%	70%	£175*	£999~	£100^	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Offset applications for Purchase and Remortgage Options Available - Payment reduction or Balance reduction. Balance reduction only available for repayment mortgages. Discount - 2.45% applied to our Residential Investment Managed Mortgage Rate for 2 years Minimum Rate - 4.24% Loan to Value - Maximum 70% 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 - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount ^Cashback - £100 to open and fund linked Offset Saver account 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 - 9.0% APRC

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

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Mortgages - 03330 140140

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

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6.04% Offset (2.25% discounted rate from follow on rate) for 2 years (XO0071)

6.14% Offset (2.15% discounted rate from follow on rate) for 2 years (XO0072)

6.19% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

6.34% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

6.44% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

6.59% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

6.34% Offset (2.60% discounted rate from follow on rate) for 2 years (XO0075)

6.49% Offset (2.45% discounted rate from follow on rate) for 2 years (XO0076)

6.44% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0217)

6.69% Expat (1.50% discounted rate from follow on rate) for 2 years (XD0218)