Criteria A-Z

As we manually underwrite our mortgages we're much more flexible with our criteria than most. Using our common sense approach (and our ears!) means we can cater for a wide spectrum of solutions for your clients, no matter their circumstances.

Browse criteria by A-Z below or search criteria by keyword to find what you need.

Take a look at what we have to offer
Buy to Let Criteria
New Build Warranty: AEDIS

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if AEDIS  is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

31 May 2018

New Build Warranty: Build Assure

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Build Assure is an acceptable new build warranty for a Buy to Let  lender on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

New Build Warranty: Building Life Plans

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Building Life Plans is an acceptable new build warranty for a lender Buy to Let  on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

New Build Warranty: Buildzone

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Buildzone is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

New Build Warranty: Checkmate (Castle 10)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Checkmate (Castle 10) is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is acceptable. Where outbuildings, such as a detached garage, are included in the construction, an endorsement to include these in the cover is required.

Last updated:

31 May 2018

New Build Warranty: CRL Management Ltd

Our standard acceptability

Acceptable

Criteria definition:

Indicates if CRL Management Ltd is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

New Build Warranty: Global Home Warranties

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if Global Home Warranties is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

31 May 2018

New Build Warranty: ICW

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially accept ICW as an acceptable new build warranty

Our policy notes:

Family Building Society does not accept ICW as an acceptable new build warranty

Last updated:

16 September 2020

New Build Warranty: LABC

Our standard acceptability

Acceptable

Criteria definition:

Indicates if LABC is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

New Build Warranty: NHBC Guarantee

Our standard acceptability

Acceptable

Criteria definition:

Indicates if NHBC Guarantee is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

We will accept NHBC guarantees.

Last updated:

31 May 2018

New Build Warranty: Premier Guarantee Scheme

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Premier Guarantee Scheme is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

New Build Warranty: Professional Consultants Certificate

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if Professional Consultants Certificate is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

31 May 2018

New Build Warranty: Protek

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if Protek is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

31 May 2018

New Build Warranty: Q Assure Build

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if Q Assure Build is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

31 May 2018

New Build Warranty: Zurich Municipal "New Build"

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Zurich Municipal "New Build" is an acceptable new build warranty for a Buy to Let lender on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

Non Owner Occupier

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if a lender can potentially accept an applicant that is a non-owner occupier for a Buy to Let application. For example, Mr Smith rents the property he currently lives in (a non-owner occupier) but owns at least one other property that is Let. He now wishes to purchase a new Buy to Let property but will do so as a 'Non-Owner Occupier' himself. 

This is not to be confused with a First Time Buyer or First Time Landlord. 

Our policy notes:

Family Building Society does not accept Buy to Let applications from 'Non Owner Occupiers'.

Last updated:

31 May 2018

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:

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:

Michelle Parry-Bunter

Michelle has worked for the Society for over a decade and focuses on the South Coast. Contact Michelle 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:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East & West Midlands as well as the Southwest. Contact Darren 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 & 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:

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