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 Mortgages

See all of our Family Mortgage products available for purchase.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Please refer to our lending criteria for more information.

Product details should be read in conjunction with our 'Getting a Mortgage: what you need to know' guide and our lending criteria.

Find out more about how the Family Mortgage works for home buyers and family members.

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% 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
5.19% Family Mortgage 5 Year Fixed Rate to 30/06/2030 (XF0945)							Compare
5.19%	7.94%	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 - 30/06/2030 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 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 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

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 Mortgages

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

Some key features of this mortgage

Take the next step:

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

Some key features of this mortgage

Take the next step:

Comparing two mortgage products