We’re pleased to inform you that following your feedback, your clients can now use their own solicitor to act on our behalf for Family Mortgage applications. As with all our mortgages, solicitors are required to be registered on our panel with LMS.

Winner for the third year running

We're proud to have won for the third year in a row, Best Guarantor / Assisted Mortgage Lender for our Family Mortgage at the What Mortgage Awards 2018.

We are particularly delighted to have won as the What Mortgage Awards are voted for by real customers, recognising and rewarding the best businesses in the UK’s mortgage and personal finance markets.

A reminder of the features of our Family Mortgage

• 2.89% 3 year fixed rate and 2.99% 5 year fixed.
• 95% LTV subject to 20% additional security from family member(s). The 5% deposit can be gifted.
• Family members can use one or a combination of three different ways to provide security to borrowers:
  1. Secure a charge over their property.
  2. Deposit savings in our Family Security account which earns interest.
  3. Deposit savings in our Family Offset account which further reduces the mortgage cost for the borrower.
• Payment waiver built in. We will meet the mortgage payments for up to six months if a borrower loses their job.
• Stamp Duty friendly. The mortgage is in the borrowers name, so the 3% charge for second properties does not apply.