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

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

Check affordability Contact your BDM Illustration request

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

Check affordability Contact your BDM Illustration request

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

Check affordability Contact your BDM Illustration request

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

Check affordability Contact your BDM Illustration request

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

Check affordability Contact your BDM Illustration request

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

Check affordability Contact your BDM Illustration request

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

Check affordability Contact your BDM Illustration request

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

Check affordability Contact your BDM Illustration request

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

Check affordability Contact your BDM Illustration request

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

Check affordability Contact your BDM Illustration request

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

Check affordability Contact your BDM Illustration request

Self-Build: Property Type: Semi-detached property

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we will allow a self build application for a semi-detached property

Our policy notes:

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

Last updated:

02 March 2020

Check affordability Contact your BDM Illustration request

Self-Build: Property Usage: Holiday/Second Home

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we will allow a self build application for second property or holiday home purposes

Our policy notes:

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

Last updated:

02 March 2020

Check affordability Contact your BDM Illustration request

Self-Build: Pure Interest only acceptable during the build?

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates on a self build application if we will allow interest only during the build

Our policy notes:

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

Last updated:

28 February 2020

Check affordability Contact your BDM Illustration request

Self-Build: Required build completion time (months)

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we requires the build to be completed in a specific time frame

Our policy notes:

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

Last updated:

02 March 2020

Check affordability Contact your BDM Illustration request

Self-Build: Retention product offered upon completion of build

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we offer a retention product upon completion of the build

Our policy notes:

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

Last updated:

02 March 2020

Check affordability Contact your BDM Illustration request

Self-Build: Retention retained until sign off following build completion

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we will retain a retention until completion of the build

Our policy notes:

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

Last updated:

16 December 2020

Check affordability Contact your BDM Illustration request

Self-Build: Shared access allowed?

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we will accept a self build application where there is shared access to the security

Our policy notes:

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

Last updated:

02 March 2020

Check affordability Contact your BDM Illustration request

Self-Build: Stage payment frequency

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we allow flexible stage payments or we have set stage payments for self build mortgages

Our policy notes:

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

Last updated:

02 March 2020

Check affordability Contact your BDM Illustration request

Self-Build: Stage payment release schedule

Our standard acceptability

We do not currently offer Self Build mortgages

Criteria definition:

Indicates if we make advanced payments or payments in arrears for self build mortgages

Our policy notes:

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

Last updated:

02 March 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. 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:

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.

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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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