Notices

Mortgage payment difficulties? We may be able to help. Find out more

We're here to help if you're experiencing or expect to experience difficulties in paying your mortgage. Find out more.

MORTGAGES_Family-mortgage-hub_994x437_150dpi

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
5.24% Family Mortgage 5 Year Fixed Rate to 30/11/2029 (XF0832)							Compare
5.24%	8.44%	7.4%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 - 30/11/2029 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. 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% Family Mortgage 5 Year Fixed Rate to 30/11/2029 (XF0832)							Compare
5.24%	8.44%	7.4%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 - 30/11/2029 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 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum loan - £500,000 Minimum Loan - £45,000 for Puchase applications Cost for comparison - 7.4% 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

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.