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5.49% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0847)

 Code XF0847
31/10/2029 9.19% 70% £175* 1.00%~ £0^ Yes Yes No  
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 - 31/10/2029
  • *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 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • 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 - 8.2% APRC.

5.34% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0846)

 Code XF0846
31/10/2029 9.19% 60% £175* 1.00%~ £0^ Yes Yes No  
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 - 31/10/2029
  • *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 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • 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 - 8.1% APRC.

5.99% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0845)

 Code XF0845
30/11/2026 9.19% 70% £175* 1.00%~ £0^ Yes Yes No  
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 - 30/11/2026
  • *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 30/11/2025, 1% until 30/11/2026
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 9.1% APRC.

5.99% Expat 2 Year Fixed Rate to 30/11/2026 (XF0848)

 Code XF0848
30/11/2026 9.19% 60% £175* 1.00%~ £0^ No Yes No  
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 - 30/11/2026
  • *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 30/11/2025, 1% until 30/11/2026
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 9.1% APRC.

6.14% Expat 2 Year Fixed Rate to 30/11/2026 (XF0849)

 Code XF0849
30/11/2026 9.19% 70% £175* 1.00%~ £0^ No Yes No  
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 - 30/11/2026
  • *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 30/11/2025, 1% until 30/11/2026
  • Maximum Loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 9.1% APRC.

5.44% 2 Year Fixed Rate to 30/11/2026 (XF0822)

 Code XF0822 (EB)
30/11/2026 8.44% 60% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2026
  • *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 30/11/2025, 1% until 30/11/2026
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

5.54% 2 Year Fixed Rate to 30/11/2026 (XF0823)

 Code XF0823 (EB)
30/11/2026 8.44% 80% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2026
  • *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 30/11/2025, 1% until 30/11/2026
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

5.54% JBSP 2 Year Fixed Rate to 30/11/2026 (XF0824)

 Code XF0824 (EB)
30/11/2026 8.44% 60% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2026
  • *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 30/11/2025, 1% until 30/11/2026
  • 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.

5.19% 3 Year Fixed Rate to 30/11/2027 (XF0826)

 Code XF0826 (EB)
30/11/2027 8.44% 60% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2027
  • *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 - 3% until 30/11/2025, 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

5.64% JBSP 2 Year Fixed Rate to 30/11/2026 (XF0825)

 Code XF0825 (EB)
30/11/2026 8.44% 80% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2026
  • *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 30/11/2025, 1% until 30/11/2026
  • 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.

5.29% 3 Year Fixed Rate to 30/11/2027 (XF0827)

 Code XF0827 (EB)
30/11/2027 8.44% 80% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2027
  • *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 - 3% until 30/11/2025, 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.9% APRC.

4.89% 5 Year Fixed Rate to 30/11/2029 (XF0828)

 Code XF0828 (EB)
30/11/2029 8.44% 60% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2029
  • *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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.8% APRC.

4.99% 5 Year Fixed Rate to 30/11/2029 (XF0829)

 Code XF0829 (EB)
30/11/2029 8.44% 80% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2029
  • *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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.9% APRC.

4.99% JBSP 5 Year Fixed Rate to 30/11/2029 (XF0830)

 Code XF0830 (EB)
30/11/2029 8.44% 60% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages.
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2029
  • *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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • 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 - 6.9% APRC.

5.09% JBSP 5 Year Fixed Rate to 30/11/2029 (XF0831)

 Code XF0831 (EB)
30/11/2029 8.44% 80% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2029
  • *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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • 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 - 6.9% APRC.

5.24% Family Mortgage 5 Year Fixed Rate to 30/11/2029 (XF0832)

 Code XF0832 (EB)
30/11/2029 8.44% 95% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • 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 - 30/11/2029
  • *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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • 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 - 7.4% APRC.

6.29% Offset (2.25% discounted rate from follow on rate) for 2 years (XO0071)

 Code XO0071 (EB)
2 years 8.54% 60% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Offset applications for Product Switch and Further Advance
  • Options Available - Payment reduction or Balance reduction
  • Discount - 2.25% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum Rate - 3.79%
  • Loan to Value - 60%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • ^Cashback - £0
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

6.39% Offset (2.15% discounted rate from follow on rate) for 2 years (XO0072)

 Code XO0072 (EB)
2 years 8.54% 80% £125* £0~ £0 Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Offset applications for Product Switch and Further Advance
  • Options Available - Payment reduction or Balance reduction
  • Discount - 2.15% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum Rate - 3.89%
  • Loan to Value - 80%
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • ^Cashback - £0
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

5.94% 2 Year Fixed Rate to 30/11/2026 (XF0833)

 Code XF0833 (EB)
30/11/2026 8.44% 60% £125* £0~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2026
  • *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 30/11/2025, 1% until 30/11/2026
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

5.34% 5 Year Fixed Rate to 30/11/2029 (XF0836)

 Code XF0836 (EB)
30/11/2029 8.44% 60% £125* £0~ £0 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2029
  • *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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.
Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

5.49% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0847)
5.49% 9.19% 8.2%APRC
  • Interest-Only
  • Repayment
 70% 1.00%~

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 - 31/10/2029
  • 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 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • 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 - 8.2% APRC.

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5.34% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0846)
5.34% 9.19% 8.1%APRC
  • Interest-Only
  • Repayment
 60% 1.00%~

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 - 31/10/2029
  • 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 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029
  • 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 - 8.1% APRC.

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5.99% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0845)
5.99% 9.19% 9.1%APRC
  • Interest-Only
  • Repayment
 70% 1.00%~

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 - 30/11/2026
  • 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 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 9.1% APRC.

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5.99% Expat 2 Year Fixed Rate to 30/11/2026 (XF0848)
5.99% 9.19% 9.1%APRC
  • Interest-Only
 60% 1.00%~

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 30/11/2026
  • 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 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 9.1% APRC.

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6.14% Expat 2 Year Fixed Rate to 30/11/2026 (XF0849)
6.14% 9.19% 9.1%APRC
  • Interest-Only
 70% 1.00%~

Some key features of this mortgage

  • Purpose - Expat applications for Purchase and Remortgage
  • Loan to Value - Maximum 70%
  • Fixed Rate end date - 30/11/2026
  • 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 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum Loan - £45,000 for purchase and remortgage
  • Cost for comparison - 9.1% APRC.

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5.44% 2 Year Fixed Rate to 30/11/2026 (XF0822)
5.44% 8.44% 7.5%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2026
  • 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 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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5.54% 2 Year Fixed Rate to 30/11/2026 (XF0823)
5.54% 8.44% 7.5%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2026
  • 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 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.5% APRC.

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5.54% JBSP 2 Year Fixed Rate to 30/11/2026 (XF0824)
5.54% 8.44% 8.0%APRC
  • Repayment
 60% £0~

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 - 30/11/2026
  • 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 30/11/2025, 1% until 30/11/2026
  • 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.

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5.19% 3 Year Fixed Rate to 30/11/2027 (XF0826)
5.19% 8.44% 6.8%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2027
  • 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 - 3% until 30/11/2025, 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

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5.64% JBSP 2 Year Fixed Rate to 30/11/2026 (XF0825)
5.64% 8.44% 8.0%APRC
  • Repayment
 80% £0~

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 - 30/11/2026
  • 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 30/11/2025, 1% until 30/11/2026
  • 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.

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5.29% 3 Year Fixed Rate to 30/11/2027 (XF0827)
5.29% 8.44% 6.9%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2027
  • 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 - 3% until 30/11/2025, 2% until 30/11/2026, 1% until 30/11/2027
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.9% APRC.

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4.89% 5 Year Fixed Rate to 30/11/2029 (XF0828)
4.89% 8.44% 5.8%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2029
  • 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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.8% APRC.

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4.99% 5 Year Fixed Rate to 30/11/2029 (XF0829)
4.99% 8.44% 5.9%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 80%
  • Fixed Rate end date - 30/11/2029
  • 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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.9% APRC.

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4.99% JBSP 5 Year Fixed Rate to 30/11/2029 (XF0830)
4.99% 8.44% 6.9%APRC
  • Repayment
 60% £0~

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 - 30/11/2029
  • 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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • 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 - 6.9% APRC.

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5.09% JBSP 5 Year Fixed Rate to 30/11/2029 (XF0831)
5.09% 8.44% 6.9%APRC
  • Repayment
 80% £0~

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 - 30/11/2029
  • 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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • 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 - 6.9% APRC.

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5.24% Family Mortgage 5 Year Fixed Rate to 30/11/2029 (XF0832)
5.24% 8.44% 7.4%APRC
  • Repayment
 95% £0~

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 - 30/11/2029
  • 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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • 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 - 7.4% APRC.

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6.29% Offset (2.25% discounted rate from follow on rate) for 2 years (XO0071)
6.29% 8.54% 8.1%APRC
  • Repayment
 60% £0~

Some key features of this mortgage

  • Purpose - Offset applications for Product Switch and Further Advance
  • Options Available - Payment reduction or Balance reduction
  • Discount - 2.25% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum Rate - 3.79%
  • Loan to Value - 60%
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases

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6.39% Offset (2.15% discounted rate from follow on rate) for 2 years (XO0072)
6.39% 8.54% 8.1%APRC
  • Repayment
 80% £0~

Some key features of this mortgage

  • Purpose - Offset applications for Product Switch and Further Advance
  • Options Available - Payment reduction or Balance reduction
  • Discount - 2.15% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum Rate - 3.89%
  • Loan to Value - 80%
  • Application fee - £125 for Further Advance. £0 for Product Switches
  • Legal fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases

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5.94% 2 Year Fixed Rate to 30/11/2026 (XF0833)
5.94% 8.44% 8.1%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2026
  • 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 30/11/2025, 1% until 30/11/2026
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 8.1% APRC.

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5.34% 5 Year Fixed Rate to 30/11/2029 (XF0836)
5.34% 8.44% 6.8%APRC
  • Interest-Only
 60% £0~

Some key features of this mortgage

  • Purpose - Further Advance and Product Switch applications
  • Loan to Value - 60%
  • Fixed Rate end date - 30/11/2029
  • 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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029
  • Maximum loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 6.8% APRC.

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Comparing two mortgage products

Mortage icon - House Mortgage icon - House
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 - Helping first time buyers get on the ladder

Greg, a financial services professional, was keen to buy his first home in Bournemouth. This, however, was proving to be harder than he had thought.

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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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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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