Mortgage Product Updates – New Range May 2025
From today, Tuesday 27 May, we've refreshed our product range and pricing. Further details of our product changes are below:
Owner Occupier Fixed Rates
Most of our Fixed Rate Repayment and Interest-Only mortgage products have received rate adjustments
Repayment
Our 2 Year Fixed Rate mortgage products have decreased by
0.20% whilst our 5 Year Fixed Rate mortgages have decreased by
0.05%. Additionally for our Owner Occupier Joint Borrower Sole
Proprietor (JBSP) Repayment mortgage products we've reintroduced product fees
of £599 (rising to 0.30% for loans over £500,000), however there will still be
no application fee for these products.

Interest-Only
Our 2 Year Fixed Rate Core mortgage products have decreased by
0.10%, our JBSP has decreased by 0.25%, and our 5 Year Fixed Rate Core mortgage
products have decreased by 0.05%. Our RIO is unchanged. We've
also introduced new Owner Occupier 2 Year
Fixed Rate high-loan variants for mortgages
over £500,000, available to intermediaries
via our packaging partners, and featuring a 1.00% product fee.
*The 60% LTV variant has a loan size range of £500,001 to
£4,000,000 (with tapering max. LTVs as usual per Lending Policy).
^The 80% LTV variant has a loan size range of £500,001 to £2,000,000 (with tapering max. LTVs as usual per Lending Policy).
Buy to Let Fixed Rates
Our 2 Year Fixed Rate UK Landlord mortgage products have decreased by 0.15%, whilst our 5 Year Fixed Rate UK Landlord mortgage products have decreased by 0.05%. Our 2 Year and 5 Year Fixed Rate Limited Company Buy to Let mortgage products have decreased by 0.15% and our 2 Year Fixed Rate Expat product has also decreased by 0.15%. Additionally, for Limited Company landlords, we've introduced new 5 Year Fixed Rate Buy to Let mortgage products with a 3.00% product fee (minimum £1,500), available for purchase and remortgage applications only.

Discounted Variable Rates
All Owner Occupier and Buy to Let Discounted Variable Rates remain unchanged.
Managed Mortgage Rates
Please note that our Managed Mortgage Rates are not changing at this time.
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
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.