Important Changes to Mortgage Products - November 2025
From today, Wednesday 5 November, we've refreshed our product range and pricing and have introduced new products for existing borrower Buy to Let product switch and further advance purposes.
Further details are below:
Owner Occupier Fixed Rates
Repayment
- 2 Year Fixed Rates have decreased by 0.10%
- 5 Year Fixed Rates have decreased by 0.15%.

Interest-Only
- 2 Year Fixed Rates have decreased by 0.10%
- 5 Year Fixed Rates have decreased by 0.10%.

Buy to Let Fixed Rates
LTV based priced tiers have been removed from the range, and all products are now available up to a maximum of 75% LTV. Products previously available up to 60% LTV have all been withdrawn.
New Business
2 and 5 Year Fixed Rates for UK Landlord, Limited Company and Expat Buy to Let up to 75% LTV for new business have decreased by 0.10%. There have been no changes to new business HMO and Expat Limited Company rates.

Existing Borrowers
We have also launched new products specifically for existing borrower product switch and further advance purposes without Product Fees.

Managed Mortgage Rates and Discounted Variable Rates
Our Managed Mortgage Rates will 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.
Check our website for full details of our new product range
Our team of BDMs now cover the whole of England, Wales and Scotland, and are all ready to answer your queries and guide you through the application process.
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
Your Local BDM:
Neil Cadwallader
Your Local BDM:
Stuart Heavens
Your Local BDM:
Amar Mashru
Your Local BDM:
Arif Kara
Your Local BDM:
Nathan Waller
Your Local BDM:
Grace Bennett
Your Local BDM:
Gina England
Your Local BDM:
Paul Roberts
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.