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

Late Payments (Not Missed)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially consider applications from applicants who have a history of late payments (NOT REGISTERED AS MISSED) on any credit agreements they hold.

Our policy notes:

Family Building Society can potentially accept applicants with previous 'Late Payments'.

Last updated:

07 November 2018

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Leasehold Property where No Separate Management Company Exists

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially lend on residential applications for leasehold properties where no separate management company exists.

Our policy notes:

Family Building Society can potentially consider lending on leasehold properties where no separate management company exists.

Last updated:

25 September 2019

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Legal: No search indemnity insurance (purchases)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially accept ‘no-search indemnity insurance’ for a purchase application

Our policy notes:

Family Building Society can potentially accept ‘no-search indemnity insurance’ for a purchase application

Last updated:

02 August 2021

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Legal: No search indemnity insurance (remortgages)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially accept ‘no-search indemnity insurance’ policy for a remortgage application

Our policy notes:

Family Building Society can potentially accept ‘no-search indemnity insurance’ for a remortgage application

Last updated:

02 August 2021

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Legal: Private local authority search (purchases)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially accept a private local authority search for a purchase application

Our policy notes:

Family Building Society can potentially accept a private local authority search for a purchase application

Last updated:

04 March 2021

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Legal: Private local authority search (remortgages)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially accept a private local authority search for a remortgage application

Our policy notes:

Family Building Society can potentially accept a private local authority search for a remortgage application

Last updated:

04 March 2021

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Lending Location: Channel Islands

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially consider lending on properties located in the Channel Islands.

Our policy notes:

We cannot accept applications for mortgages in Guernsey.

Last updated:

24 August 2017

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Lending Location: England

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially consider lending on properties located in England.

Our policy notes:

We do lend in England

Last updated:

24 August 2017

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Lending Location: Isle of Man

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially consider lending on properties located on the Isle of Man.

Our policy notes:

Family Building Society does not lend on properties on the Isle of Man.

Last updated:

18 August 2017

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Lending Location: Isle of Wight

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially consider lending on properties located on the Isle of Wight

Our policy notes:

We do lend on the Isle of Wight.

Last updated:

24 August 2017

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Lending Location: Northern Ireland

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially consider lending on properties located in Northern Ireland.

Our policy notes:

Family Building Society does not lend on properties in Northern Ireland.

Last updated:

18 August 2017

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Lending Location: Scilly Isles

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially consider lending on properties located in the Scilly Isles.

Our policy notes:

Family Building Society does not lend on properties in the Scilly Isles.

Last updated:

18 August 2017

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Lending Location: Scotland

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially consider lending on properties located in Scotland.

Our policy notes:

Family Building Society does not lend on properties in Scotland.

Last updated:

18 August 2017

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Lending Location: Wales

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially consider lending on properties located in Wales.

Our policy notes:

We do lend in Wales.

Last updated:

24 August 2017

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Let to Buy (Existing lender consent to let)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially allow a customer to Let their existing residential mortgaged property.

Our policy notes:

The Society will consider allowing an existing customer let their existing residential property and obtain a consent to let.

Last updated:

03 July 2017

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Let to Buy (Onward Purchase)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we are potentially able to arrange the new residential mortgage where the existing residential mortgaged property is going to be Let with a different lender.

Our policy notes:

Providing an applicant has obtained a consent to let from their existing lender we can consider a new application for an onward purchase.

Last updated:

03 July 2017

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Let to Buy (Remortgage current residential to Buy to Let)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially accept applications to remortgage onto a buy to let basis when the current mortgage is residential. For example, Jack wants to move out of his current residential mortgaged property, remortgage onto a buy to let and purchase a new residential property to live in. This criteria relates to converting the current residential onto a buy to let mortgage.

Our policy notes:

We can accept applications for a remortgage onto a buy to let basis subject to our normal BTL criteria.

Last updated:

03 July 2017

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Lodgers

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially accept applications where there is/will be a lodger residing in the security property.

Our policy notes:

We will not accept an application where a lodger is present.

Last updated:

11 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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