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

New Build purchased off plan

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially consider an application for a new build purchase 'Off-Plan'. Buying new build property off-plan means you agree to purchase a property before the property is built or sometimes before construction has even started.

Our policy notes:

Family Building Society can potentially consider an application for a new build purchase 'off plan'

Last updated:

11 September 2020

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New Build Warranty: AEDIS

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if AEDIS is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

17 July 2017

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New Build Warranty: Build Assure

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Build Assure is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

17 July 2017

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New Build Warranty: Building Life Plans

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Building Life Plans is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

17 July 2017

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New Build Warranty: Buildzone

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Buildzone is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

17 July 2017

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New Build Warranty: Checkmate (Castle 10)

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Checkmate (Castle 10) is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is acceptable. Where outbuildings, such as a detached garage, are included in the construction, an endorsement to include these in the cover is required)

Last updated:

17 July 2017

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New Build Warranty: CRL Management Ltd

Our standard acceptability

Acceptable

Criteria definition:

Indicates if CRL Management Ltd is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

17 July 2017

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New Build Warranty: Global Home Warranties

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if Global Home Warranties is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

17 July 2017

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New Build Warranty: ICW

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially accept ICW as an acceptable new build warranty

Our policy notes:

Family Building Society accepts ICW as an acceptable new build warranty

Last updated:

15 January 2021

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New Build Warranty: LABC

Our standard acceptability

Acceptable

Criteria definition:

Indicates if LABC is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

17 July 2017

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New Build Warranty: NHBC Guarantee

Our standard acceptability

Acceptable

Criteria definition:

Indicates if NHBC Guarantee is an acceptable new build warranty to us on new build properties.

Our policy notes:

We will accept NHBC guarantees.

Last updated:

03 July 2017

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New Build Warranty: Premier Guarantee Scheme

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Premier Guarantee Scheme is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

17 July 2017

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New Build Warranty: Professional Consultants Certificate

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if Professional Consultants Certificate is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

17 July 2017

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New Build Warranty: Protek

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Protek is an acceptable new build warranty to us on new build properties.

Our policy notes:

Family Building Society accepts Protek as an acceptable new build warranty.

Last updated:

09 March 2021

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New Build Warranty: Q Assure Build

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if Q Assure Build is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is not acceptable.

Last updated:

17 July 2017

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New Build Warranty: Zurich Municipal "New Build"

Our standard acceptability

Acceptable

Criteria definition:

Indicates if Zurich Municipal "New Build" is an acceptable new build warranty to us on new build properties.

Our policy notes:

This is acceptable.

Last updated:

17 July 2017

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Non Simultaneous Sale and Purchase

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially accept a situation (on a residential basis) whereby an applicant is not selling their related sale property on the same day as the onward purchase. For example, this situation might arise when there is a deadline on a new build purchase and the sale is not quite ready to complete resulting in a non-simultaneous sale and purchase.

Our policy notes:

We can only accept these where the applicants have sufficient incomes to service any existing mortgage on their existing property. Any additional borrowing required to fund the deposit on the purchase must be referred.

Last updated:

03 July 2017

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Number of credit reference agencies used

Our standard acceptability

Criteria definition:

Indicates the number of credit reference agencies we may use during the entire application process.

Our policy notes:

We currently use Equifax only as our credit search facility.

Last updated:

20 April 2017

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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

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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