Family Mortgage

We know that some borrowers may need a little help from family to get them onto the property ladder.

Our Family Mortgage is available at up to 100% LTV, designed to support first time buyers and home movers with little or no deposit and with the assistance of their family.

A happy family embracing over the Family Mortgage benefits

FEATURES OF OUR FAMILY MORTGAGE

Family members have the flexibility to provide security for a family member's mortgage in one of two ways (or a combination of both) provided the total security, plus any initial deposit, adds up to 20% of the value of the property the borrower is buying.

Family members can:

The security supports the mortgage until the end of its fixed rate and is then released (subject to conditions).

Support can come from parents, grandparents or other family members without the need to provide a gifted deposit.

Our Family Mortgage repayment calculator can help you calculate the security your client will need and what their monthly repayments could be.

Please ensure your clients read our Family Mortgage Brochure to understand all the important information about applying for a mortgage with family members.  

Please see below for a list of useful Family Mortgage documents and application forms:

Infographic about family security account and security through property options
Family Mortgage documents and application forms

 

 

 

 

 

Family Mortgage Repayment Calculator

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Rate		 Initial
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Only		 FTB

5.19% Family Mortgage 5 Year Fixed Rate to 30/06/2031 (XF1236)

 Code XF1236
30/06/2031 7.54% 100% £0* £0~ £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Family Mortgage purchase applications
  • Loan to Value - Maximum 100% (Additional security required). Minimum 80%
  • Security options available - Security through savings (in our Family Security Account), or security through property. The total of all security provided, plus any deposit, must be equal to 20% of the value of the property being purchased
  • Fixed Rate end date - 30/06/2031
  • *Application Fee - None
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ~Product Fee - None
  • ^Cashback - £250
  • Early Repayment Charges - 5% until 30/06/2027, 4% until 30/06/2028, 3% until 30/06/2029, 2% until 30/06/2030, 1% until 30/06/2031
  • Maximum Loan - £750,000
  • Minimum Loan - £96,000
  • Cost for comparison - 6.8% APRC.

All of these mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available to applicants aged 18 and over for properties in England or Wales.

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.

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
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Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

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.

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