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
Self-Build: Direct to Lender or Packager

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if an adviser can submit a self-build application directly to the lender or is required to go via a packager.

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

28 February 2020

Self-Build: Eco property allowed

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we will allow a self build application for an eco property

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Gifted land/plot (gifted by a NON family member)

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we can accept a self build application where the land or plot has been gifted to the applicant from a person who is NOT a family member

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

28 February 2020

Self-Build: Gifted land/plot (gifted by family member)

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we can accept a self build application where the land or plot has been gifted to the applicant from a family member

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

28 February 2020

Self-Build: Lending against land

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we will consider an application to lend against the purchase of Land

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

28 February 2020

Self-Build: Length of time before works must commence (months)

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates the length of time we will accept before works must commence on the build

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Maximum amount of stage payments

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we have a maximum amount of stage payments for a self build application

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Maximum LTV against valuation at point of stage release

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we have a maximum LTV limit at each stage release during the build

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Maximum LTV of estimated final value

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates the maximum LTV we will consider of the estimated final value

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Maximum LTV on land/plot value or purchase price

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates the maximum LTV we will consider of the land/plot value or purchase price

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Maximum number of multi-plot or group development allowed

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates the maximum amount of properties/plots we allow in a multi-plot or group development

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Maximum plot size (acres)

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates the maximum plot size we can consider

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Minimum amount of stage payments

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we have a minimum amount of stage payments for a self build application

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Minimum number of months remaining on planning permission

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates the minimum number of months we require remaining on planning permission for a self build application

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Minimum plot size (Square Metres - 1 Acre = 4047 SqM )

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates the minimum plot size (in Square Metres) we can consider

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: More than one pending self-build application

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we will accept applicants with more than one self build application pending

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

28 February 2020

Self-Build: Multi-plot or group developments allowed? (where applicant is purchasing one plot of many)

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we will allow a self build application that is part of a multi-plot or group development

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

Self-Build: Outline or full planning permission required

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we require Full or Outline planning permission when submitting a self build application

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

28 February 2020

Self-Build: Preferential terms for eco build

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we will allow preferential terms for applicants building an eco property

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

28 February 2020

Self-Build: Product fees added to the loan

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we allow borrowers to add the arrangement fee (where one is payable) to the mortgage advance on a self build application

Our policy notes:

Family Building Society does not currently offer self-build mortgages.

Last updated:

02 March 2020

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.
Edit my local BDM

Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
Edit my local BDM

Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
Edit my local BDM

Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
Edit my local BDM

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.
Edit my local BDM

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.
Edit my local BDM

Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
Edit my local BDM

Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
Edit my local BDM

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.
Edit my local BDM

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.

Edit my local BDM