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

Help to Buy Equity Loan Remortgage

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we are able to potentially accept remortgage applications where a Help to Buy Equity Loan exists and will continue to exist on completion of the remortgage.

Our policy notes:

Unfortunately, the Society does not do Help to Buy mortgages.

Last updated:

31 August 2017

Check affordability Contact your BDM Illustration request

Help to Buy Equity Loan Remortgage with Capital Raising

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we are able to potentially consider remortgage applications with an element of capital raising where there exists a help to buy equity loan and it will continue to exist on completion of the remortgage.

Our policy notes:

Unfortunately, the Society does not do Help to Buy remortgages.

Last updated:

31 August 2017

Check affordability Contact your BDM Illustration request

Help to Buy: Equity Loan Rate for Affordability

Our standard acceptability

does not take part in Help to Buy Equity Loan

Criteria definition:

Indicates if we will take the 'Equity Loan' portion as a commitment for affordability assessment and if so at what rate of interest is it calculated.

Our policy notes:

Unfortunately we don't take part in the Help to Buy Equity Loan scheme.

Last updated:

23 October 2017

Check affordability Contact your BDM Illustration request

Historic CIFAS Record (Years)

Our standard acceptability

Criteria definition:

Indicates if we can potentially accept residential applications from an applicant that is on the CIFAS register and if so, what time must have passed in order for us to potentially accept a new mortgage application from the customer.

Our policy notes:

Family Building Society can potentially accept customers that are registered on the CIFAS register. We require the applicant's registration date to be at least 3 Years ago.

Last updated:

07 November 2019

Check affordability Contact your BDM Illustration request

House/Bungalow Maximum LTV (New Build)

Our standard acceptability

Criteria definition:

Indicates the maximum potential loan to value (LTV) we can accept where the property type is a NEW BUILD house/bungalow.

Our policy notes:

The maximum LTV we can consider is 80% providing applicants can evidence maintaining a current mortgage or tenancy agreement.

Last updated:

03 July 2017

Check affordability Contact your BDM Illustration request

House/Bungalow Maximum LTV (Standard)

Our standard acceptability

Criteria definition:

Indicates the maximum potential loan to value (LTV) we can accept where the property type is a house or bungalow and it is NOT considered a new build.

Our policy notes:

The maximum LTV we can consider is 80% providing applicants can evidence maintaining an existing mortgage or tenancy agreement.

Last updated:

03 July 2017

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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