- Please note that our Online Saver (7) has been withdrawn from sale.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.
4.84% JBSP 5 Year Fixed Rate to 28/02/2030 (XF0874)
Key things to bear in mind
- 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.
Representative example
A mortgage of £220,000.00 payable over 26 years initially on a fixed rate for 6 years at 4.84% and then on our variable Managed Mortgage Rate, currently 8.19% would require 65 monthly payments of £1,240.73 and 247 monthly payments of £1,622.17 plus one initial interest payment of £876.37.
The total amount payable would be £483,073.81 made up of the loan amount plus interest of £262,199.81, an Application Fee of £175, a Product Fee of £599 and a Mortgage Exit Fee of £100.
The overall cost for comparison is 6.9% APRC representative.
More downloads & what you'll need to apply
Identification
We carry out an electronic ID check on all applicants. If this fails you will need to provide us with ID documents.
Bank statements
- Three full months most recent consecutive bank statements for all current accounts, to evidence all income and outgoings. Bank statements must show the applicants name, account number, sort code and bank logo.
If you're renting your current home you'll need:
- Last 12 months statements showing rent payments.
If you already have a mortgage you'll need:
- Proof of mortgage payments - we carry out an electronic credit check on all applicants which usually confirms this. However if this fails, we will need proof. This can be provided from 12 months bank statements, the latest mortgage statements, or a combination. To speed up our underwriting, you can provide these on submission.
Proof of income
If you're employed in a company you'll need:
- Three months' most recent payslips
- Most recent P60.
If you have property or investment income you'll need:
- Two years most recent SA302s.
If you're self employed you'll need:
- Two years most recent accounts or two years most recent SA302s / Tax Calculations (100% Completed) or Family Building Society Accountant's Certificate
- Accountant's details on the application form.
If you are already retired or if the term of your mortgage term goes beyond retirement or age 70 you'll need:
- Most recent Pension Statement or letter from Department for Work and Pensions
- Most recent annual Pension Statement
- Most recent P60.
Other items
Evidence of deposit for purchases:
- Evidence of deposit in an account held by the applicant(s)
- For gifted deposits, we require evidence of the funds in a UK account and the giftors details (name, date of birth, relationship to applicants).
If you already let a property you'll need:
- Evidence of rent being paid in and mortgage being paid out (bank statements requested above may already cover this).
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
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.
![](https://cdn-webv13.familybuildingsociety.co.uk/images/librariesprovider3/carousel-imagery/multi-award-winning-20238973ed59-acbf-4f48-b66c-6d3944326051.png?sfvrsn=a2cb83fd_1)
Contact our expert UK team
Existing customers
Savings - 03330 140144
savings.service@familybsoc.co.uk
Mortgages - 03330 140146
mortgage.service@familybsoc.co.uk
...or ask the way that suits you.
Request a call back
We can call you back at a time that suits you.
Visit us in branch
Ashley Square, Epsom, Surrey, KT18 5DD.
View our FAQs
Your questions might be answered here.