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
Escalating Ground Rents
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if we can potentially lend on residential applications for leasehold properties that have an escalating ground rent clause.

Our policy notes:

Family Building Society can potentially consider lending on leasehold properties where an escalating ground rent clause exists.

Last updated:

09 September 2019

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Estate Rentcharges
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if we can potentially lend on residential applications for freehold properties where 'Estate Rent Charge' clauses exist.

Our policy notes:

Family Building Society can potentially consider lending on freehold properties where exists an estate charge for the general upkeep and maintenance of any shared areas.

Last updated:

09 September 2019

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EU Nationals with a ‘pre-settled status’
Our standard acceptability:

Not Acceptable

Criteria definition:

Indicates if we can potentially consider applications from EU Nationals with a ‘pre-settled status’ under the EU Settlement Scheme

Our policy notes:

Family Building Society does not lend to EU Nationals with a ‘pre-settled status’ under the EU Settlement Scheme

Last updated:

03 August 2021

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EU Nationals with a ‘settled status’
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if we can potentially consider applications from EU Nationals with a ‘settled status’ under the EU Settlement Scheme

Our policy notes:

Family Building Society can potentially lend to EU Nationals with a ‘settled status’ under the EU Settlement Scheme

Last updated:

03 August 2021

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Ex MOD properties
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if we can consider lending on an ex MOD property

Our policy notes:

Family Building Society can potentially consider an application on an ex MOD property

Last updated:

15 January 2021

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Expat Residential Mortgage
Our standard acceptability:

Acceptable

Criteria definition:

Indicates if we can potentially consider residential applications from expatriate applicants.

Our policy notes:

We can accept applications from expatriates from a restricted list of countries, as follows:

Austria, Belgium, Canada, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Finland, France ( France, Mayotte, New Caledonia, French Polynesia, Saint Pierre and Miquelon, and Wallis and Futuna), Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Japan, Jersey, Kingdom of the Netherlands (The Netherlands, Aruba, Curacao, Saint Maarten), Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, New Zealand, Norway, Poland, Portugal, Romania, Singapore, Slovak Republic, Slovenia, South Korea, Spain, Sweden, Switzerland, United Kingdom (including UK Crown Dependencies), and United States.

A note for our packager partners:

In addition, the Society has agreed on a policy through our packager partners for lending to expats in Bahrain, Bermuda, Hong Kong, Mauritius, Oman, Qatar, Saudi Arabia and UAE on an exceptional basis.

Plus Antigua, China (inc Taiwan) and South Africa. But they will be subject to the additional requirements below:

•The monthly mortgage payments should be made from a UK bank account from where any rental payments are received.
•Any deposit monies are paid from or evidenced as held within a UK bank account
•Applicants must be working for recognised large organisations that have a UK presence.

Last updated:

28 April 2026

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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