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.

Owner Occupier Criteria

Buy to Let Criteria

Gambling (recurring transactions)

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially consider applicants with recurrent gambling transactions on residential applications

Our policy notes:

Family Building Society will not consider applicants that have recurring gambling transactions

Last updated:

11 September 2020

Check affordability Contact your BDM Illustration request

Green mortgage

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially accept a Green Mortgage application.

Our policy notes:

Family Building Society is unable to consider a Green Mortgage application

Last updated:

03 August 2021

Check affordability Contact your BDM Illustration request

Guarantors

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we accept guarantor applications.

Our policy notes:

Family Building Society does not accept mortgage applications with guarantors. This has been replaced by Joint Borrower Sole Proprietor mortgages

Last updated:

10 December 2024

Check affordability Contact your BDM Illustration request

Guarantors: Reverse (younger applicant guarantor for older applicant)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially consider a reverse guarantor application. A reverse guarantor application is where the guarantor is younger than the applicant. This typically might occur when a son or daughter wishes to help their parents.

Our policy notes:

Family Building Society can potentially consider a reverse guarantor application although we process these under our Joint Mortgage Sole Owner (JMSO) policy.

Last updated:

11 September 2020

Check affordability Contact your BDM Illustration request

Guarantors: Where applicant significant income growth is not expected

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially accept a guarantor application where the applicant is not expecting significant income growth in the future

Our policy notes:

Family Building Society will only consider a guarantor application where significant income growth is expected

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

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 from pensions and investments to mortgages. 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:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East and 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 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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