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
Owner Occupier Criteria
Buy to Let Criteria
Multi Unit Minimum Floor Area of each Unit Requirement (Sq Meters)
Our standard acceptability:

No Minimum

Criteria definition:

Indicates if there is a minimum square meterage requirement on a single title multi unit property

Our policy notes:

There is no minimum floor area per unit. Property is valued as a single freehold unit.

Last updated:

14 May 2026

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New Build Warranty: AEDIS
Our standard acceptability:

Not Acceptable

Criteria definition:

Indicates if AEDIS  is an acceptable new build warranty for us on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

31 May 2018

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New Build Warranty: Build Assure
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if Build Assure is an acceptable new build warranty for us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

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New Build Warranty: Building Life Plans
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if Building Life Plans is an acceptable new build warranty for us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

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New Build Warranty: Buildzone
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if Buildzone is an acceptable new build warranty for us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

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New Build Warranty: Checkmate (Castle 10)
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if Checkmate (Castle 10) is an acceptable new build warranty for us 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

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New Build Warranty: CRL Management Ltd
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if CRL Management Ltd is an acceptable new build warranty for us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

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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 us on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

31 May 2018

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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

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New Build Warranty: LABC
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if LABC is an acceptable new build warranty for us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

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New Build Warranty: NHBC Guarantee
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if NHBC Guarantee is an acceptable new build warranty for us on new build properties.

Our policy notes:

We will accept NHBC guarantees.

Last updated:

31 May 2018

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New Build Warranty: Premier Guarantee Scheme
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if Premier Guarantee Scheme is an acceptable new build warranty for us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

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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 us on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

31 May 2018

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New Build Warranty: Protek
Our standard acceptability:

Not Acceptable

Criteria definition:

Indicates if Protek is an acceptable new build warranty for us on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

31 May 2018

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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 us on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

31 May 2018

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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 us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

31 May 2018

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Non Owner Occupier
Our standard acceptability:

Not Acceptable

Criteria definition:

Indicates if we can potentially accept an applicant that is a non-owner occupier for a Buy to Let application. 
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

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Number of credit reference agencies used
Our standard acceptability:

1

Criteria definition:

Indicates the number of credit reference agencies we may use during the entire application process. 

Our policy notes:

The Society uses Equifax for credit searches.

Last updated:

02 September 2021

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Offer expiry time (New Build)
Our standard acceptability:

150

Criteria definition:

Displays the number of days a NEW BUILD Buy to Let mortgage offer is valid for.

Our policy notes:

Our offers are valid, as a standard, for five months for discounted products and to a specific date for fixed rates (see our product guide).

Last updated:

31 May 2018

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Offer expiry time (Standard)
Our standard acceptability:

150

Criteria definition:

Displays the number of days a STANDARD Buy to Let mortgage offer is valid for.

Our policy notes:

Our offers are valid for five months, as a standard, for discounted products or to a specific date (see our product guide) for fixed rates.

Last updated:

31 May 2018

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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