Our new 100% LTV Family Mortgage

We are pleased to announce the re-launch of our enhanced Family Mortgage, now available at up to 100% LTV, designed to support first time buyers and home movers with the assistance of their family.

Our new Family Mortgage, at a glance:

No application or product fees
Minimum LTV 80%
Minimum Loan Size: £96,000
Maximum Loan Size: £750,000
Up to 5.33x LTI
Available for purchase applications only
Initial deposit from borrowers is optional, but not required
The value of the additional security, plus any initial deposit, must equal 20% of the property value
Up to a 40 year mortgage term to support affordability.

Family support can be provided in two simple ways

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:

Place their savings into our Family Security savings account, which earns interest
Allow the Family Building Society to take a Collateral Charge over their property for the amount needed to make up the 20%

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.

See full details of our new Family Mortgage product & try our Family Mortgage repayment calculator

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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