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Notices

Please note that our Online Saver (7) has been withdrawn from sale. Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.
Our Windfall Bond account is now on sale. Find out more

With more prizes available in the Monthly Free Prize Draws - effective from 1 October 2024. Find out more here
New Windfall Bond account holders: Newly opened accounts need to be fully funded and nominated bank details registered before the end of August in order to be eligible for entry into the October Prize Draw.
Existing Windfall Bond account holders: Current Windfall Bond account(s) will automatically be entered into the October Prize Draw; until then the prize draws will continue as normal.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 5.00% on 1 August 2024. Find out more

Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 September 2024. We will be writing to all customers individually to confirm the new rates.

Mortgages: Tracker mortgages will change on 25 September 2024 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

(Notice updated 05/08)
Important changes to our mortgage products - Find out more

From Thursday 22 August, we reduced our rates on all our fixed rate mortgage products.

From 19 September 2024, we'll also be reducing our Managed Mortgage Rates (MMR) by 0.25%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates. We will be writing to existing customers who have been impacted by this change, shortly, with details relevant to them. Find out full details here.

Sort products by:

Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment	Interest Only	FTB
5.19% 2 Year Fixed Rate to 31/01/2027 (XF0866)								Code XF0866
More info	31/01/2027	8.19%	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 - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2027 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 31/01/2026, 1% until 31/01/2027 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.
5.29% 2 Year Fixed Rate to 31/01/2027 (XF0867)								Code XF0867
More info	31/01/2027	8.19%	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 - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/01/2027 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 31/01/2026, 1% until 31/01/2027 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 - 7.3% APRC.
5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)								Code XF0868
More info	31/01/2027	8.19%	60%	£175*	£599~	£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 - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2027 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% until 31/01/2026, 1% until 31/01/2027 Maximum Loan - £500,000 Minimum Loan - £45,000 for purchase and remortgage Cost for comparison - 7.9% APRC.
5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)								Code XF0869
More info	31/01/2027	8.19%	80%	£175*	£599~	£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 - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/01/2027 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% until 31/01/2026, 1% until 31/01/2027 Maximum Loan - £500,000 Minimum Loan - £45,000 for purchase and remortgage Cost for comparison - 7.9% APRC.
4.74% 5 Year Fixed Rate to 28/02/2030 (XF0872)								Code XF0872
More info	28/02/2030	8.19%	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 - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 28/02/2030 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 - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 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 - 5.6% APRC.
4.84% 5 Year Fixed Rate to 28/02/2030 (XF0873)								Code XF0873
More info	28/02/2030	8.19%	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 - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 28/02/2030 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 - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 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 - 5.7% APRC.
4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)								Code XF0874
More info	28/02/2030	8.19%	60%	£175*	£599~	£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 - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 28/02/2030 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 - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 Maximum Loan - £500,000 Minimum Loan - £45,000 for purchase and remortgage Cost for comparison - 6.9% APRC.
5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)								Code XF0876
More info	28/02/2030	8.19%	95%	£175*	£599~	£250^	Yes	No	Yes
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family Mortgage purchase applications Loan to Value - Maximum 95% Security options available - Family Security Account, Family Offset Account, Security Through Property. Fixed Rate end date - 28/02/2030 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 - £250 for purchase applications Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 Maximum Loan - £500,000 Minimum Loan - £45,000 for Puchase applications Cost for comparison - 7.1% APRC.
4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)								Code XF0875
More info	28/02/2030	8.19%	80%	£175*	£599~	£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 - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 28/02/2030 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 - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 Maximum Loan - £500,000 Minimum Loan - £45,000 for purchase and remortgage Cost for comparison - 7.0% APRC.
5.54% RIO 5 Year Fixed Rate to 28/02/2030 (XFZ025)								Code XFZ025
More info	28/02/2030	8.19%	50%	£175*	£999~	£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 - Retirement Interest-Only applications for Purchase and Remortgage. Loan to Value - Maximum 50% Fixed Rate end date - 28/02/2030 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 - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 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 - 7.3% APRC.
5.44% 2 Year Fixed Rate to 31/01/2027 (XF0885)								Code XF0885
More info	31/01/2027	8.94%	60%	£175*	£999~	£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 - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2027 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 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.7% APRC.
5.59% 2 Year Fixed Rate to 31/01/2027 (XF0886)								Code XF0886
More info	31/01/2027	8.94%	70%	£175*	£999~	£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 - Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/01/2027 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 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.7% APRC.
4.99% 5 Year Fixed Rate to 31/01/2030 (XF0887)								Code XF0887
More info	31/01/2030	8.94%	60%	£175*	£999~	£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 - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2030 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 Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030 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 - 7.7% APRC.
5.14% 5 Year Fixed Rate to 31/01/2030 (XF0888)								Code XF0888
More info	31/01/2030	8.94%	70%	£175*	£999~	£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 - Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/01/2030 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 Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030 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 - 7.8% APRC.
5.49% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0889)								Code XF0889
More info	31/01/2027	8.94%	60%	£175*	1.00%~	£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 Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2027 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, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.6% APRC.
5.64% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0890)								Code XF0890
More info	31/01/2027	8.94%	70%	£175*	1.00%~	£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 Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/01/2027 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, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.7% APRC.
5.24% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0891)								Code XF0891
More info	31/01/2030	8.94%	60%	£175*	1.00%~	£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 Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2030 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, subject to a minimum of £1,000 Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030 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 - 7.7% APRC.
5.39% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0892)								Code XF0892
More info	31/01/2030	8.94%	70%	£175*	1.00%~	£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 Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/01/2030 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, subject to a minimum of £1,000 Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030 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 - 7.7% APRC.
5.64% Expat 2 Year Fixed Rate to 31/01/2027 (XF0893)								Code XF0893
More info	31/01/2027	8.94%	60%	£175*	1.00%~	£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 Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2027 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, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.8% APRC.
5.79% Expat 2 Year Fixed Rate to 31/01/2027 (XF0894)								Code XF0894
More info	31/01/2027	8.94%	70%	£175*	1.00%~	£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 Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/01/2027 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, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.8% 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
5.19% 2 Year Fixed Rate to 31/01/2027 (XF0866)							Compare
5.19%	8.19%	7.2%APRC	Repayment	60%	£999~	£500 cashback for remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2027 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 31/01/2026, 1% until 31/01/2027 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. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.29% 2 Year Fixed Rate to 31/01/2027 (XF0867)							Compare
5.29%	8.19%	7.3%APRC	Repayment	80%	£999~	£500 cashback for remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/01/2027 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 31/01/2026, 1% until 31/01/2027 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 - 7.3% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)							Compare
5.29%	8.19%	7.9%APRC	Repayment	60%	£599~	£500 cashback for remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2027 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% until 31/01/2026, 1% until 31/01/2027 Maximum loan - £500,000 Minimum Loan - £45,000 for purchase and remortgage Cost for comparison - 7.9% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)							Compare
5.39%	8.19%	7.9%APRC	Repayment	80%	£599~	£500 cashback for remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 31/01/2027 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% until 31/01/2026, 1% until 31/01/2027 Maximum loan - £500,000 Minimum Loan - £45,000 for purchase and remortgage Cost for comparison - 7.9% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
4.74% 5 Year Fixed Rate to 28/02/2030 (XF0872)							Compare
4.74%	8.19%	5.6%APRC	Repayment	60%	£999~	£500 cashback for remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 28/02/2030 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 - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 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 - 5.6% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
4.84% 5 Year Fixed Rate to 28/02/2030 (XF0873)							Compare
4.84%	8.19%	5.7%APRC	Repayment	80%	£999~	£500 cashback for remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 28/02/2030 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 - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 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 - 5.7% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)							Compare
4.84%	8.19%	6.9%APRC	Repayment	60%	£599~	£500 cashback for remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 28/02/2030 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 - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 Maximum loan - £500,000 Minimum Loan - £45,000 for purchase and remortgage Cost for comparison - 6.9% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)							Compare
5.09%	8.19%	7.1%APRC	Repayment	95%	£599~	£250 cashback for purchase applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Family Mortgage purchase applications Loan to Value - Maximum 95% Security options available - Family Security Account, Family Offset Account, Security Through Property. Fixed Rate end date - 28/02/2030 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 - £250 for purchase applications Early Repayment Charges - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 Maximum loan - £500,000 Minimum Loan - £45,000 for Puchase applications Cost for comparison - 7.1% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)							Compare
4.94%	8.19%	7.0%APRC	Repayment	80%	£599~	£500 cashback for remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage Loan to Value - Maximum 80% Fixed Rate end date - 28/02/2030 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 - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 Maximum loan - £500,000 Minimum Loan - £45,000 for purchase and remortgage Cost for comparison - 7.0% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.54% RIO 5 Year Fixed Rate to 28/02/2030 (XFZ025)							Compare
5.54%	8.19%	7.3%APRC	Interest-Only	50%	£999~	£500 cashback for remortgage applications^	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Retirement Interest-Only applications for Purchase and Remortgage. Loan to Value - Maximum 50% Fixed Rate end date - 28/02/2030 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 - 5% until 28/02/2026, 4% until 28/02/2027, 3% until 29/02/2028, 2% until 28/02/2029, 1% until 28/02/2030 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 - 7.3% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.44% 2 Year Fixed Rate to 31/01/2027 (XF0885)							Compare
5.44%	8.94%	8.7%APRC	Interest-Only Repayment	60%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2027 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 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.7% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.59% 2 Year Fixed Rate to 31/01/2027 (XF0886)							Compare
5.59%	8.94%	8.7%APRC	Interest-Only Repayment	70%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/01/2027 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 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.7% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
4.99% 5 Year Fixed Rate to 31/01/2030 (XF0887)							Compare
4.99%	8.94%	7.7%APRC	Interest-Only Repayment	60%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2030 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 Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030 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 - 7.7% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.14% 5 Year Fixed Rate to 31/01/2030 (XF0888)							Compare
5.14%	8.94%	7.8%APRC	Interest-Only Repayment	70%	£999~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/01/2030 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 Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030 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 - 7.8% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.49% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0889)							Compare
5.49%	8.94%	8.6%APRC	Interest-Only Repayment	60%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2027 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, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.6% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.64% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0890)							Compare
5.64%	8.94%	8.7%APRC	Interest-Only Repayment	70%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/01/2027 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, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.7% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.24% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0891)							Compare
5.24%	8.94%	7.7%APRC	Interest-Only Repayment	60%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2030 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, subject to a minimum of £1,000 Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030 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 - 7.7% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.39% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0892)							Compare
5.39%	8.94%	7.7%APRC	Interest-Only Repayment	70%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/01/2030 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, subject to a minimum of £1,000 Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030 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 - 7.7% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.64% Expat 2 Year Fixed Rate to 31/01/2027 (XF0893)							Compare
5.64%	8.94%	8.8%APRC	Interest-Only	60%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 60% Fixed Rate end date - 31/01/2027 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, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.8% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.79% Expat 2 Year Fixed Rate to 31/01/2027 (XF0894)							Compare
5.79%	8.94%	8.8%APRC	Interest-Only	70%	1.00%~		More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Purchase and Remortgage Loan to Value - Maximum 70% Fixed Rate end date - 31/01/2027 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, subject to a minimum of £1,000 Early Repayment Charges - 2% until 31/01/2026, 1% until 31/01/2027 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 - 8.8% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back

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
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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.

Case study - Helping the retired back into home ownership

When their landlady told them she wanted to sell the house, David and his wife decided to get back on the property ladder

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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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Savings - 03330 140144
savings.service@familybsoc.co.uk

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mortgage.service@familybsoc.co.uk

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5.19% 2 Year Fixed Rate to 31/01/2027 (XF0866)

5.29% 2 Year Fixed Rate to 31/01/2027 (XF0867)

5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)

5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)

4.74% 5 Year Fixed Rate to 28/02/2030 (XF0872)

4.84% 5 Year Fixed Rate to 28/02/2030 (XF0873)

4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)

5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)

4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)

5.54% RIO 5 Year Fixed Rate to 28/02/2030 (XFZ025)

5.44% 2 Year Fixed Rate to 31/01/2027 (XF0885)

5.59% 2 Year Fixed Rate to 31/01/2027 (XF0886)

4.99% 5 Year Fixed Rate to 31/01/2030 (XF0887)

5.14% 5 Year Fixed Rate to 31/01/2030 (XF0888)

5.49% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0889)

5.64% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0890)

5.24% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0891)

5.39% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0892)

5.64% Expat 2 Year Fixed Rate to 31/01/2027 (XF0893)

5.79% Expat 2 Year Fixed Rate to 31/01/2027 (XF0894)

5.19% 2 Year Fixed Rate to 31/01/2027 (XF0866)

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5.29% 2 Year Fixed Rate to 31/01/2027 (XF0867)

Some key features of this mortgage

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5.29% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0868)

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5.39% JBSP 2 Year Fixed Rate to 31/01/2027 (XF0869)

Some key features of this mortgage

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4.74% 5 Year Fixed Rate to 28/02/2030 (XF0872)

Some key features of this mortgage

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4.84% 5 Year Fixed Rate to 28/02/2030 (XF0873)

Some key features of this mortgage

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4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)

Some key features of this mortgage

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5.09% Family Mortgage 5 Year Fixed Rate to 28/02/2030 (XF0876)

Some key features of this mortgage

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4.94% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0875)

Some key features of this mortgage

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5.54% RIO 5 Year Fixed Rate to 28/02/2030 (XFZ025)

Some key features of this mortgage

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5.44% 2 Year Fixed Rate to 31/01/2027 (XF0885)

Some key features of this mortgage

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5.59% 2 Year Fixed Rate to 31/01/2027 (XF0886)

Some key features of this mortgage

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4.99% 5 Year Fixed Rate to 31/01/2030 (XF0887)

Some key features of this mortgage

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5.14% 5 Year Fixed Rate to 31/01/2030 (XF0888)

Some key features of this mortgage

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5.49% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0889)

Some key features of this mortgage

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5.64% Ltd Co 2 Year Fixed Rate to 31/01/2027 (XF0890)

Some key features of this mortgage

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5.24% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0891)

Some key features of this mortgage

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5.39% Ltd Co 5 Year Fixed Rate to 31/01/2030 (XF0892)

Some key features of this mortgage

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5.64% Expat 2 Year Fixed Rate to 31/01/2027 (XF0893)

Some key features of this mortgage

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5.79% Expat 2 Year Fixed Rate to 31/01/2027 (XF0894)

Some key features of this mortgage

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