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 larger variety of life stages and circumstances for your clients than many other lender.

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
Benefit Income: Working Tax Credits
Our standard acceptability:

Not Acceptable

Criteria definition:

Indicates if we accept working tax credits as an allowable income type for affordability purposes. 

Our policy notes:

Unfortunately, this source of income is not acceptable.

Last updated:

08 May 2017

Check affordability Contact your BDM Illustration request
Buy for University (Student Mortgages)
Our standard acceptability:

Not Offered

Criteria definition:

Indicates if we can potentially consider applications on a Buy for University Scheme. Buy for uni allows students to borrow up to 100% to buy a property and rent out rooms to meet the mortgage interest payments. Parents support the arrangement by being a joint borrower on the mortgage and by providing additional security if necessary

Our policy notes:

Family Building Society will not consider applications on a Buy for Uni Scheme

Last updated:

11 September 2020

Check affordability Contact your BDM Illustration request

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