Important information about our mortgage products
30 Jul 2025
From today, Wednesday 30 July, we've refreshed our product range and pricing along with changes to criteria and our affordability calculators for Owner Occupier and Buy to Let.
Further details are below:
Owner Occupier Fixed Rates
Repayment
Core range:
Our 2-Year Fixed Rates have decreased by 0.05%. 5-Year Fixed Rates are unchanged.
Joint Borrower Sole Proprietor (JBSP):
Our 2 Year Fixed Rates have decreased by 0.05%. 5 Year Fixed Rates have decreased by 0.10%. There is still no Application Fee for these products.
Family Mortgage:
Our 95% LTV Family Mortgage has decreased by 0.10%
Interest-Only
All rates remain unchanged.
High-loan semi-exclusive variants introduced in May have been withdrawn from sale.
Buy to Let Fixed Rates
UK Landlords
All 2 and 5 Year Fixed Rates have decreased by 0.05%.
2 and 5 Year Fixed Rates for HMO properties launched.
Limited Company BTL
All 2 and 5 Year Fixed Rates have decreased by 0.05%.
We have launched a new 5 Year Fixed Rate available through select intermediaries and our packaging partners.
Expat BTL
Our 2 Year Fixed Rates have decreased by 0.05%. 5 Year Fixed Rates are unchanged.
2 and 5 Year Fixed Rates for HMO properties launched.
Managed Mortgage Rates and Discounted Variable Rates
All Variable Rates remain unchanged.
Semi-exclusive products
On top of our standard range of products we have additional semi-exclusive products available via our packaging partners. For further information, speak to your local BDM.
Criteria and Calculator Changes
In addition to our pricing changes, we are also making some changes to our criteria and affordability calculators for both Owner Occupier and Buy to Let. Criteria amendments are live immediately, with calculator changes going live on Thursday 31 July 2025.
Owner Occupier Affordability:
• We have updated our stress rate methodology. This is likely to produce a higher affordability result for most applications
• All Interest-Only applications which have no associated cost to the repayment strategy (such as downsizing, sale of another property etc.) will be assessed against the Interest-Only payment regardless of the mortgage term requested
Buy to Let:
• We have reduced our minimum Interest Coverage Ratio requirement for all Limited Company BTL applications to 125%
• HMO and MUFB applications will now be accepted up to a maximum of 75% LTV
• HMO applications will now be accepted for personal name UK and Expat landlords
Affordability Calculator
Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator
Your Local BDM:
Sam Morrison
Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
Edit my local BDM
Your Local BDM:
Neil Cadwallader
Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
Edit my local BDM
Your Local BDM:
Stuart Heavens
Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
Edit my local BDM
Your Local BDM:
Amar Mashru
Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
Edit my local BDM
Your Local BDM:
Arif Kara
Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
Edit my local BDM
Your Local BDM:
Nathan Waller
Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
Edit my local BDM
Your Local BDM:
Grace Bennett
Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
Edit my local BDM
Your Local BDM:
Gina England
Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
Edit my local BDM
Your Local BDM:
Paul Roberts
Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
Edit my local BDM
We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:
- 01372 744155
- 01372 745607
- mortgage.desk@familybsoc.co.uk
Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed
We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.