Notices

Our Windfall Bond is now available for new account openings

Our Windfall Bond account which earns you interest and entry into a monthly free prize draw with a chance to win between £100 and £50,000 is available for new account openings. Currently paying Bank of England Bank rate minus 1%. Further information can be found here.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 4.50% on 6 February 2025. Read more

Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 March 2025. We will be writing to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 March 2025 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 17/02)

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Family assisted mortgages for product switch

We have a number of family assisted mortgage products currently available for product switch for existing borrowers.

All of these mortgage products have limited funds available and may be withdrawn at any time.

A summary of our current range of Joint Borrower Sole Proprietor mortgage products available for product switch can be found here.

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Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Next steps
4.99% JBSP 5 Year Fixed Rate to 30/06/2030 (XF0943)						Compare
4.99%	7.94%	6.6%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 - 30/06/2030 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 30/06/2026, 4% until 30/06/2027, 3% until 30/06/2028, 2% until 30/06/2029, 1% until 30/06/2030 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 - 6.6% 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 30/06/2030 (XF0944)						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 - 30/06/2030 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 30/06/2026, 4% until 30/06/2027, 3% until 30/06/2028, 2% until 30/06/2029, 1% until 30/06/2030 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
5.19% Family Mortgage 5 Year Fixed Rate to 30/06/2030 (XF0945)						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 - 30/06/2030 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 30/06/2026, 4% until 30/06/2027, 3% until 30/06/2028, 2% until 30/06/2029, 1% until 30/06/2030 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
5.29% FFGM 5 Year Fixed Rate to 30/06/2030 (XF0953 - IO)						Compare
5.29%	7.94%	7.3%APRC	Interest-Only	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 - 30/06/2030 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 30/06/2026, 4% until 30/06/2027, 3% until 30/06/2028, 2% until 30/06/2029, 1% until 30/06/2030 Maximum loan - No maximum Minimum Loan - £2,000 for Further Advance. No minimum for product switches 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% FFGM 5 Year Fixed Rate to 30/06/2030 (XF0953 - RP)						Compare
5.29%	7.94%	7.1%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 - 30/06/2030 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 30/06/2026, 4% until 30/06/2027, 3% until 30/06/2028, 2% until 30/06/2029, 1% until 30/06/2030 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
5.34% JBSP 2 Year Fixed Rate to 30/06/2027 (XF0937)						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 - 30/06/2027 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 30/06/2026, 1% until 30/06/2027 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
5.44% JBSP 2 Year Fixed Rate to 30/06/2027 (XF0938)						Compare
5.44%	7.94%	7.6%APRC	Repayment	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - 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 - 30/06/2027 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 30/06/2026, 1% until 30/06/2027 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
5.74% JBSP 2 Year Fixed Rate to 30/06/2027 (XF0949)						Compare
5.74%	7.94%	7.8%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 - 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 - 30/06/2027 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 30/06/2026, 1% until 30/06/2027 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 - 7.8% 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
6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)						Compare
6.09%	7.94%	7.9%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 - 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 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
6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)						Compare
6.34%	7.94%	8.0%APRC	Interest-Only	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 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 Cost for comparison - 8.0% 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

Comparing two mortgage products


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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.

Family assisted mortgages for product switch

4.99% JBSP 5 Year Fixed Rate to 30/06/2030 (XF0943)

Some key features of this mortgage

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5.09% JBSP 5 Year Fixed Rate to 30/06/2030 (XF0944)

Some key features of this mortgage

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5.19% Family Mortgage 5 Year Fixed Rate to 30/06/2030 (XF0945)

Some key features of this mortgage

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5.29% FFGM 5 Year Fixed Rate to 30/06/2030 (XF0953 - IO)

Some key features of this mortgage

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5.29% FFGM 5 Year Fixed Rate to 30/06/2030 (XF0953 - RP)

Some key features of this mortgage

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5.34% JBSP 2 Year Fixed Rate to 30/06/2027 (XF0937)

Some key features of this mortgage

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5.44% JBSP 2 Year Fixed Rate to 30/06/2027 (XF0938)

Some key features of this mortgage

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5.74% JBSP 2 Year Fixed Rate to 30/06/2027 (XF0949)

Some key features of this mortgage

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6.09% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

Some key features of this mortgage

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6.34% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

Some key features of this mortgage

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Comparing two mortgage products