Important Changes to Mortgage Products - November 2025

5 Nov 2025

From today, Wednesday 5 November, we've refreshed our product range and pricing and have introduced new products for existing borrower Buy to Let product switch and further advance purposes.

Further details are below:

Owner Occupier Fixed Rates

Repayment 

  • 2 Year Fixed Rates have decreased by 0.10%
  • 5 Year Fixed Rates have decreased by 0.15%.

Table of product rates for Family Building Society's Owner Occupier Repayment range

Interest-Only

  • 2 Year Fixed Rates have decreased by 0.10%
  • 5 Year Fixed Rates have decreased by 0.10%.

Table of product rates for Family Building Society's Owner Occupier Interest-Only range

Buy to Let Fixed Rates

LTV based priced tiers have been removed from the range, and all products are now available up to a maximum of 75% LTV. Products previously available up to 60% LTV have all been withdrawn.

New Business

2 and 5 Year Fixed Rates for UK Landlord, Limited Company and Expat Buy to Let up to 75% LTV for new business have decreased by 0.10%. There have been no changes to new business HMO and Expat Limited Company rates.

Table of product rates for Family Building Society's Buy to Let New Business range

Existing Borrowers

We have also launched new products specifically for existing borrower product switch and further advance purposes without Product Fees.

Table of product rates for Family Building Society's Buy to Let Existing Borrower range

    Managed Mortgage Rates and Discounted Variable Rates

    Our Managed Mortgage Rates will remain unchanged.

    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.

    Check our website for full details of our new product range

    Our team of BDMs now cover the whole of England, Wales and Scotland, and are all ready to answer your queries and guide you through the application process.

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    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

    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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