Further advance buy to let mortgages
Our further advance Buy to Let mortgages are available for existing customers who are looking to borrow more, up to a maximum of 65% LTV.

Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Repayment | Interest Only |
Limited Company |
|
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2.74% 3 year discounted rate at 2.40% |
Code XD0073 | ||||||||
More info | 3 years | 5.14% | 60% | £175* | £999~ | Yes | Yes | No | |
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· Purpose - Purchase, remortgage, product switch and further advance
· Discount - 2.40% applied to our Residential Investment Managed Mortgage Rate for 3 years · Minimum rate - 2.64% · LTV - Maximum 60% · *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees. · Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees. · Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees. · ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees. · Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. · Cost for comparison - 4.8% APRC |
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3.04% 3 year discounted rate at 2.10% |
Code XD0074 | ||||||||
More info | 3 years | 5.14% | 65% | £175* | £999~ | Yes | Yes | No | |
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· Purpose - Purchase, remortgage, product switch and further advance
· Discount - 2.10% applied to our Residential Investment Managed Mortgage Rate for 3 years · Minimum rate - 2.94% · LTV - Maximum 65% · *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees. · Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees. · Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees. · ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees. · Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. · Cost for comparison - 4.9% APRC |
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2.89% 3 year discounted rate at 2.25% Limited Company |
Code XD0082 | ||||||||
More info | 3 years | 5.14% | 60% | £175* | £1,499~ | Yes | Yes | Yes | |
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3.19% 3 year discounted rate at 1.95% Limited Company |
Code XD0083 | ||||||||
More info | 3 years | 5.14% | 65% | £175* | £1,499~ | Yes | Yes | Yes | |
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· Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
· Discount - 1.95% applied to our Residential Investment Managed Mortgage Rate for 3 years · Minimum rate - 3.09% · LTV - Maximum 65% · *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees. · Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees. · Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees. · ~Product Fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees. · Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. · Cost for comparison - 5.0% APRC |
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3.04% 3 year fixed rate |
Code XF0356 | ||||||||
More info | 30/06/2024 | 5.14% | 60% | £175* | £999~ | Yes | Yes | No | |
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· Purpose - Purchase, remortgage, product switch and further advance
· LTV - Maximum 60% · *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees · Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees · Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees · ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees · Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023 and 1% until 30/06/2024 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. · Cost for comparison - 4.8% APRC · Additional criteria - The mortgage must complete by 01/07/2021 |
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3.34% 3 year fixed rate |
Code XF0357 | ||||||||
More info | 30/06/2024 | 5.14% | 65% | £175* | £999~ | Yes | Yes | No | |
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Online Application
· Purpose - Purchase, remortgage, product switch and further advance
· LTV - Maximum 65% · *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees · Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees · Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees · ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees · Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches · Cost for comparison - 4.9% APRC · Additional criteria - The mortgage must complete by 01/07/2021 |
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3.19% 3 year fixed rate Limited Company |
Code XF0358 | ||||||||
More info | 30/06/2024 | 5.14% | 60% | £175* | £1,499~ | Yes | Yes | Yes | |
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· Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
· LTV - Maximum 60% · *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees. · Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees. · Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees. · ~Product Fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees. · Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches. · Cost for comparison - 4.9% APRC · Additional criteria - The mortgage must complete by 01/07/2021 |
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3.49% 3 year fixed rate Limited Company |
Code XF0359 | ||||||||
More info | 30/06/2024 | 5.14% | 65% | £175* | £1,499~ | Yes | Yes | Yes | |
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Online Application
· Purpose - Buy to Let Limited Company purchase, remortgage, product switch and further advance
· LTV - Maximum 65% · *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees · Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees · Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees · ~Product Fee - £1,499 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees · Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches · Cost for comparison - 5.0% APRC · Additional criteria - The mortgage must complete by 01/07/2021 |
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3.24% 5 year fixed rate |
Code XF0360 | ||||||||
More info | 31/05/2026 | 5.14% | 60% | £125* | £0 | Yes | Yes | No | |
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· Purpose - Product switch and further advance
· LTV - Maximum 60% · *Application Fee - £125 for further advance. £0 for product switches · Valuation Fees - £0 · Product Fee - £0 · Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £2,000 for further advance. No minimum for product switches. · Cost for comparison - 4.3% APRC · Additional criteria - For further advances the mortgage must complete by 01/07/2021 |
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3.54% 5 year fixed rate |
Code XF0361 | ||||||||
More info | 31/05/2026 | 5.14% | 65% | £125* | £0 | Yes | Yes | No | |
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· Purpose - Product switch and further advance
· LTV - Above 60% · *Application Fee - £125 for further advance. £0 for product switches · Valuation Fees - £0 · Product Fee - £0 · Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £2,000 for further advance. No minimum for product switches. · Cost for comparison - 4.5% APRC · Additional criteria - For further advances the mortgage must complete by 01/07/2021 |
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3.39% 5 year fixed rate Limited Company |
Code XF0362 | ||||||||
More info | 31/05/2026 | 5.14% | 60% | £125* | £0 | Yes | Yes | Yes | |
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· Purpose - Buy to Let Limited Company product switch and further advance |
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3.69% 5 year fixed rate Limited Company |
Code XF0363 | ||||||||
More info | 31/05/2026 | 5.14% | 65% | £125* | £0 | Yes | Yes | Yes | |
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· Purpose - Buy to Let Limited Company product switch and further advance |
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3.69% 5 year fixed rate for expats |
Code XF0364 | ||||||||
More info | 31/05/2026 | 5.14% | 60% | £125* | £0 | Yes | Yes | No | |
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· Purpose - Expat product switch and further advance
· LTV - Maximum 60% · *Application Fee - £125 for further advance. £0 for product switch · Valuation Fees - £0 · Product Fee - £0 · Early Repayment Charges - 5% until 31/05/2022, 4% until 31/05/2023, 3% until 31/05/2024, 2% until 31/05/2025, 1% until 31/05/2026 · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £2,000 for further advance. No minimum for product switches. · Cost for comparison - 4.5% APRC |
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3.99% 5 year fixed rate for expats |
Code XF0365 | ||||||||
More info | 31/05/2026 | 5.14% | 65% | £125* | £0 | Yes | Yes | No | |
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3.14% 2 year discounted rate at 2.00% Offset Mortgage |
Code XO0033 | ||||||||
More info | 2 years | 5.14% | 60% | £175* | £999~ | Yes | Yes | No | |
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· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction · Discount - 2.0% applied to our Residential Investment Managed Mortgage Rate for 2 years · Minimum rate - 3.04% · LTV - Maximum 60% · *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees · Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees · Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees · ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees · ^Cashback - £100 · Early Repayment Charges - 2% in the first year and 1% in the second year · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches · Cost for comparison - 5.1% APRC · Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account |
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3.44% 2 year discounted rate at 1.70% Offset Mortgage |
Code XO0034 | ||||||||
More info | 2 years | 5.14% | 65% | £175* | £999~ | Yes | Yes | No | |
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· Purpose - Offset applications for purchase, remortgage, product switch and further advance
· Options available - Term reduction or payment reduction · Discount - 1.70% applied to our Residential Investment Managed Mortgage Rate for 2 years · Minimum rate - 3.34% · LTV - Maximum 65% · *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees · Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. See more details, fees & downloads for product switch and further advance fees · Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees · ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. See more details, fees & downloads for product switch and further advance fees · ^Cashback - £100 · Early Repayment Charges - 2% in the first year and 1% in the second year · Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application · Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches · Cost for comparison - 5.1% APRC · Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount of £100 will be used to open your linked Offset Saver account |
All of these mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available on a Capital and Interest Repayment or Interest Only basis applicants aged 18 and over for properties in England or Wales.
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Your Local BDM:
Arif Kara
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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: Mon - Fri: 8am - 5.30pm, Sat: 9am - noon
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