Product Switch buy to let mortgages
View the range of products available to customers coming to the end of their product term. We will write to customers three months before their product is due to expire with the products available to them.Please ensure your client have completed our Consent to Release Information Form when doing a product switch on their behalf.

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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· 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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· 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.
HOW TO APPLY FOR A PRODUCT SWITCH FOR YOUR CLIENT
We’re committed to making the same products available to our existing borrowers as those available to new borrowers in equivalent circumstances, with no extra cost to change mortgage product. You can apply for a product switch up to three months in advance of the current product end date.
Follow our six steps for an easy application:
- We will let borrowers know about their new mortgage options around three months before the end of term.
- When you have discussed these options, ask your client to complete the Consent to Release Information Form and return it to us using the Secure Document Upload facility along with the new product selection.
- You will then receive an email confirmation from us letting you know that we have received the forms and will process your request within three days.
- We’ll send you a product switch pack containing the acceptance form and a mortgage variation offer.
- Ensure the acceptance form is signed by your client and returned to our Mortgage Service Team using the Secure Document Upload facility. Without this form, we won’t be able to progress their switch further.
- We’ll then confirm the product switch to your client and pay you your proc fee seven - ten working days after the date of the product switch.
Criteria checker
Can we help your client? Use our tool to find out.
Simply type your criteria to see our levels of acceptance and flexibility.
Your Local BDM:
Arif Kara
Your Local BDM:
Michelle Parry-Bunter
Your Local BDM:
Nathan Waller
Your Local BDM:
Grace Bennett
Your Local BDM:
Darren Deacon
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: Mon - Fri: 8am - 5.30pm, Sat: 9am - noon
We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.