Retirement Interest Only Further Advance |

Notices

Savings customers - the interest rates on many of our variable rate savings products will be decreasing from 6 January 2025. Find out more

We will be emailing or writing to you shortly to let you know of how these decreases affect you. In the meantime, you can see all of these changes here.
Mortgage customers - our Managed Mortgage Rate (MMR) will decrease by 0.25% from 20 January 2025. Find out more:

From 20 January 2025, we'll be decreasing 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.

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	Next steps
5.59% Ltd Co 2 Year Fixed Rate to 31/03/2027 (XF0925)						Compare
5.59%	8.69%	8.4%APRC	Interest-Only Repayment	60%	£0~	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 Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/03/2027 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/03/2026, 1% until 31/03/2027 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.4% 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 31/05/2030 (XF0917)						Compare
5.14%	7.94%	6.5%APRC	Interest-Only Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/05/2030 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.5% 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% 2 Year Fixed Rate to 31/03/2027 (XF0902)						Compare
5.24%	7.94%	7.1%APRC	Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2027 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/03/2026, 1% until 31/03/2027 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches 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
5.59% Ltd Co 5 Year Fixed Rate to 30/04/2030 (XF0928)						Compare
5.59%	8.69%	7.7%APRC	Interest-Only Repayment	70%	£0~	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 Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 30/04/2030 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 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches 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
5.19% Family Mortgage 5 Year Fixed Rate to 31/05/2030 (XF0912)						Compare
5.19%	7.94%	7.0%APRC	Repayment	95%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Family Mortgage applications for Product Switch and Further Advance Loan to Value - 95% Security options available - Family Security Account, Family Offset Account, Security Through Property. Fixed Rate end date - 31/05/2030 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.0% 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
5.34% JBSP 2 Year Fixed Rate to 31/03/2027 (XF0904)						Compare
5.34%	7.94%	7.6%APRC	Repayment	60%	£0~	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 Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 60% Fixed Rate end date - 31/03/2027 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/03/2026, 1% until 31/03/2027 Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% 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
5.09% JBSP 5 Year Fixed Rate to 31/05/2030 (XF0911)						Compare
5.09%	7.94%	6.7%APRC	Repayment	80%	£0~	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 Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 80% Fixed Rate end date - 31/05/2030 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.7% 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 31/03/2027 (XF0921)						Compare
5.59%	8.69%	8.2%APRC	Interest-Only Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/03/2027 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/03/2026, 1% until 31/03/2027 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.2% 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
5.39% 5 Year Fixed Rate to 31/05/2030 (XF0918)						Compare
5.39%	7.94%	6.6%APRC	Interest-Only Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 31/05/2030 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.6% 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
5.44% Ltd Co 5 Year Fixed Rate to 30/04/2030 (XF0927)						Compare
5.44%	8.69%	7.6%APRC	Interest-Only Repayment	60%	£0~	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 Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/04/2030 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 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 7.6% 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
4.99% JBSP 5 Year Fixed Rate to 31/05/2030 (XF0910)						Compare
4.99%	7.94%	6.7%APRC	Repayment	60%	£0~	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 Product Switch and Further Advance. Also available for product switch and Further Advance for existing Guarantor mortgages Loan to Value - 60% Fixed Rate end date - 31/05/2030 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum loan - £500,000 in total (across any original borrowing plus Further Advance(s) Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.7% 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
5.54% Expat 5 Year Fixed Rate to 30/04/2030 (XF0932)						Compare
5.54%	8.69%	7.7%APRC	Interest-Only	70%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 30/04/2030 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 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches 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
5.19% FFGM 5 Year Fixed Rate to 31/05/2030 (XF0920 - IO)						Compare
5.19%	7.94%	7.2%APRC	Interest-Only Repayment	95%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 31/05/2030 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches 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
5.19% FFGM 5 Year Fixed Rate to 31/05/2030 (XF0920 - RP)						Compare
5.19%	7.94%	7.0%APRC	Repayment	95%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 31/05/2030 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches 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
5.04% 3 Year Fixed Rate to 30/04/2028 (XF0906)						Compare
5.04%	7.94%	6.5%APRC	Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 30/04/2028 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% until 30/04/2026, 2% until 30/04/2027, 1% until 30/04/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.5% 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
5.74% 2 Year Fixed Rate to 31/03/2027 (XF0922)						Compare
5.74%	8.69%	8.3%APRC	Interest-Only Repayment	70%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 70% Fixed Rate end date - 31/03/2027 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/03/2026, 1% until 31/03/2027 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.3% 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
5.14% 3 Year Fixed Rate to 30/04/2028 (XF0907)						Compare
5.14%	7.94%	6.6%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 30/04/2028 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% until 30/04/2026, 2% until 30/04/2027, 1% until 30/04/2028 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 6.6% 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
5.49% 5 Year Fixed Rate to 30/04/2030 (XF0924)						Compare
5.49%	8.69%	7.1%APRC	Interest-Only Repayment	70%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 70% Fixed Rate end date - 30/04/2030 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 30/04/2026, 4% until 30/04/2027, 3% until 30/04/2028, 2% until 30/04/2029, 1% until 30/04/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches 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
5.64% Expat 2 Year Fixed Rate to 31/03/2027 (XF0929)						Compare
5.64%	8.69%	8.4%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/03/2027 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 31/03/2026, 1% until 31/03/2027 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches Cost for comparison - 8.4% 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
4.89% 5 Year Fixed Rate to 31/05/2030 (XF0908)						Compare
4.89%	7.94%	5.7%APRC	Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/05/2030 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 31/05/2026, 4% until 31/05/2027, 3% until 31/05/2028, 2% until 31/05/2029, 1% until 31/05/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches 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

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
Additional benefits	DYNAMIC	DYNAMIC

Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

Case study - A second chance at being a homeowner in retirement

Alicia wanted to relocate and become a homeowner again in her retirement

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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.

More about who we are View our awards

Contact our expert UK team

New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

newbusiness@familybsoc.co.uk

Existing customers

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

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

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5.59% Ltd Co 2 Year Fixed Rate to 31/03/2027 (XF0925)

Some key features of this mortgage

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5.14% 5 Year Fixed Rate to 31/05/2030 (XF0917)

Some key features of this mortgage

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5.24% 2 Year Fixed Rate to 31/03/2027 (XF0902)

Some key features of this mortgage

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5.59% Ltd Co 5 Year Fixed Rate to 30/04/2030 (XF0928)

Some key features of this mortgage

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5.19% Family Mortgage 5 Year Fixed Rate to 31/05/2030 (XF0912)

Some key features of this mortgage

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5.34% JBSP 2 Year Fixed Rate to 31/03/2027 (XF0904)

Some key features of this mortgage

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5.09% JBSP 5 Year Fixed Rate to 31/05/2030 (XF0911)

Some key features of this mortgage

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5.59% 2 Year Fixed Rate to 31/03/2027 (XF0921)

Some key features of this mortgage

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5.39% 5 Year Fixed Rate to 31/05/2030 (XF0918)

Some key features of this mortgage

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5.44% Ltd Co 5 Year Fixed Rate to 30/04/2030 (XF0927)

Some key features of this mortgage

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4.99% JBSP 5 Year Fixed Rate to 31/05/2030 (XF0910)

Some key features of this mortgage

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5.54% Expat 5 Year Fixed Rate to 30/04/2030 (XF0932)

Some key features of this mortgage

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5.19% FFGM 5 Year Fixed Rate to 31/05/2030 (XF0920 - IO)

Some key features of this mortgage

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5.19% FFGM 5 Year Fixed Rate to 31/05/2030 (XF0920 - RP)

Some key features of this mortgage

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5.04% 3 Year Fixed Rate to 30/04/2028 (XF0906)

Some key features of this mortgage

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5.74% 2 Year Fixed Rate to 31/03/2027 (XF0922)

Some key features of this mortgage

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5.14% 3 Year Fixed Rate to 30/04/2028 (XF0907)

Some key features of this mortgage

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5.49% 5 Year Fixed Rate to 30/04/2030 (XF0924)

Some key features of this mortgage

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5.64% Expat 2 Year Fixed Rate to 31/03/2027 (XF0929)

Some key features of this mortgage

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4.89% 5 Year Fixed Rate to 31/05/2030 (XF0908)

Some key features of this mortgage

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Comparing two mortgage products

Case study - A second chance at being a homeowner in retirement

Over 125 years of helping people move in

Contact our expert UK team

New enquiries

Existing customers

...or ask the way that suits you.

Request a call back

Visit us in branch

View our FAQs