Product Switch
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.

Please note: For all of our mortgage products there is no fee for product transfers.
Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Cashback on Completion |
Repayment | Interest Only |
FTB | |
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6.39% (2.05% Discounted Rate from follow on rate) for 2 years (XD0190) |
Code XD0190 | |||||||||
More info | 2 years | 8.44% | 60% | £125* | £0 | £0 | Yes | No | No | |
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Online Application
|
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6.49% (1.95% Discounted Rate from follow on rate) for 2 years (XD0191) |
Code XD0191 | |||||||||
More info | 2 years | 8.44% | 80% | £125* | £0 | £0 | Yes | No | No | |
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|
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6.69% JBSP 1.75% Discounted Rate from follow on rate for 2 years (XD0194) |
Code XD0194 | |||||||||
More info | 2 years | 8.44% | 60% | £125* | £0 | £0 | Yes | No | No | |
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|
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6.79% JBSP 1.65% Discounted Rate from follow on rate for 2 years (XD0195) |
Code XD0195 | |||||||||
More info | 2 years | 8.44% | 80% | £125* | £0 | £0 | Yes | No | No | |
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|
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6.84% (1.60% Discounted Rate from follow on rate) for 2 years (XD0196) |
Code XD0196 | |||||||||
More info | 2 years | 8.44% | 60% | £175* | £599~ | £500^ | No | Yes | No | |
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|
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7.34% (1.10% Discounted Rate from follow on rate) for 2 years (XD0197) |
Code XD0197 | |||||||||
More info | 2 years | 8.44% | 80% | £175* | £599~ | £500^ | No | Yes | No | |
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|
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7.14% JBSP 1.30% Discounted Rate from follow on rate for 2 years (XD0198) |
Code XD0198 | |||||||||
More info | 2 years | 8.44% | 60% | £175* | £599~ | £500^ | No | Yes | No | |
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Online Application
|
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7.64% JBSP 0.80% Discounted Rate from follow on rate for 2 years (XD0199) |
Code XD0199 | |||||||||
More info | 2 years | 8.44% | 80% | £175* | £599~ | £500^ | No | Yes | No | |
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|
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7.24% Expat 1.20% Discounted Rate from follow on rate for 2 years (XD0200) |
Code XD0200 | |||||||||
More info | 2 years | 8.44% | 60% | £175* | £999~ | £500^ | No | Yes | No | |
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|
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7.74% Expat 0.70% Discounted Rate from follow on rate for 2 years (XD0201) |
Code XD0201 | |||||||||
More info | 2 years | 8.44% | 80% | £175* | £999~ | £500^ | No | Yes | No | |
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|
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6.24% 2 Year Fixed Rate to 31/01/2026 (XF0675) |
Code XF0675 | |||||||||
More info | 31/01/2026 | 8.44% | 60% | £175* | £999~ | £500^ | Yes | No | No | |
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|
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6.34% 2 Year Fixed Rate to 31/01/2026 (XF0676) |
Code XF0676 | |||||||||
More info | 31/01/2026 | 8.44% | 80% | £175* | £999~ | £500^ | Yes | No | No | |
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|
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6.44% JBSP 2 Year Fixed Rate to 31/01/2026 (XF0677) |
Code XF0677 | |||||||||
More info | 31/01/2026 | 8.44% | 60% | £175* | £599~ | £500^ | Yes | No | No | |
More info
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Online Application
|
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6.54% JBSP 2 Year Fixed Rate to 31/01/2026 (XF0678) |
Code XF0678 | |||||||||
More info | 31/01/2026 | 8.44% | 80% | £175* | £599~ | £500^ | Yes | No | Yes | |
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|
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5.54% 5 Year Fixed Rate to 31/01/2029 (XF0679) |
Code XF0679 | |||||||||
More info | 31/01/2029 | 8.44% | 60% | £175* | £999~ | £500^ | Yes | No | No | |
More info
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Criteria A-Z
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DIP Request
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Online Application
|
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5.64% 5 Year Fixed Rate to 31/01/2029 (XF0680) |
Code XF0680 | |||||||||
More info | 31/01/2029 | 8.44% | 80% | £175* | £999~ | £500^ | Yes | No | No | |
More info
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Contact your BDM
Online Application
|
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5.74% JBSP 5 Year Fixed Rate to 31/01/2029 (XF0681) |
Code XF0681 | |||||||||
More info | 31/01/2029 | 8.44% | 60% | £175* | £599~ | £500^ | Yes | No | No | |
More info
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Criteria A-Z
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Online Application
|
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5.84% JBSP 5 Year Fixed Rate to 31/01/2029 (XF0682) |
Code XF0682 | |||||||||
More info | 31/01/2029 | 8.44% | 80% | £175* | £599~ | £500^ | Yes | No | Yes | |
More info
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Criteria A-Z
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Online Application
|
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5.79% Family Mortgage 5 Year Fixed Rate to 31/01/2029 (XF0683) |
Code XF0683 | |||||||||
More info | 31/01/2029 | 8.44% | 95% | £175* | £599~ | £250^ | Yes | No | Yes | |
More info
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Contact your BDM
Online Application
|
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6.69% 2 Year Fixed Rate to 31/01/2026 (XF0684) |
Code XF0684 | |||||||||
More info | 31/01/2026 | 8.44% | 60% | £125* | £0 | £0 | No | Yes | No | |
More info
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Criteria A-Z
Check affordability
DIP Request
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Contact your BDM
Online Application
|
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7.19% 2 Year Fixed Rate to 31/01/2026 (XF0685) |
Code XF0685 | |||||||||
More info | 31/01/2026 | 8.44% | 80% | £125* | £0 | £0 | No | Yes | No | |
More info
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Criteria A-Z
Check affordability
DIP Request
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Contact your BDM
Online Application
|
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5.99% 5 Year Fixed Rate to 31/01/2029 (XF0687) |
Code XF0687 | |||||||||
More info | 31/01/2029 | 8.44% | 60% | £125* | £0 | £0 | No | Yes | No | |
More info
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Criteria A-Z
Check affordability
DIP Request
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Contact your BDM
Online Application
|
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6.49% 5 Year Fixed Rate to 31/01/2029 (XF0688) |
Code XF0688 | |||||||||
More info | 31/01/2029 | 8.44% | 80% | £125* | £0 | £0 | No | Yes | No | |
More info
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Criteria A-Z
Check affordability
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Online Application
|
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6.19% FFGM 5 Year Fixed Rate to 31/01/2029 (XF0690) |
Code XF0690 | |||||||||
More info | 31/01/2029 | 8.44% | 95% | £125* | £0 | £0 | Yes | Yes | No | |
More info
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|
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6.49% RIO 5 Year Fixed Rate to 31/01/2029 (XFZ019) |
Code XFZ019 | |||||||||
More info | 31/01/2029 | 8.44% | 50% | £175* | £999~ | £500^ | No | Yes | No | |
More info
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Criteria A-Z
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Online Application
|
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6.84% Offset Mortgage 1.70% Discounted Rate from follow on rate for 2 years (XO0057) |
Code XO0057 | |||||||||
More info | 2 years | 8.54% | 60% | £175* | £999~ | £500^ | Yes | No | No | |
More info
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Criteria A-Z
Check affordability
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Contact your BDM
Online Application
|
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6.94% Offset Mortgage 1.60% Discounted Rate from follow on rate for 2 years (XO0058) |
Code XO0058 | |||||||||
More info | 2 years | 8.54% | 80% | £175* | £999~ | £500^ | Yes | No | No | |
More info
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Criteria A-Z
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Online Application
|
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.
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:
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:
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: 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.