With us, flexibility gets easier in later life!

3 Apr 2023

We know your clients won't always fit the mould. That's why we offer flexible solutions for later life lending.

At Family Building Society, we won't turn clients down just because of their age and actively look for ways to help when other lenders can't.

How can we help? 

  • We take into account earned income up to the age of 70, or even 75 if the client is in a non-manual role.

  • We'll consider pension pots, as well as fixed pensions, investment and rental income. Other income can be considered on a case-by-case basis.

  • We lend in retirement with higher maximum ages than most lenders

    •  Owner Occupier repayment mortgages, up to a maximum age of 95 at the end of term.
    • Owner Occupier Interest-Only and Buy to Let mortgages, up to a maximum age of 89 when the loan commences.

  • We have a common sense approach to lending and use human beings, not robots, to underwrite each case. This means we can tailor our solutions to each of your client's needs.

Find out more and see just how flexible we can be! >


Vote for us!

We're a finalist in the Broker's Choice Award; Best Later Life Lender and Best Building Society / Mutual categories. Think we deserve to win? You can vote for us here >

   
 

Semi-exclusive products

Did you know that on top of our standard range of products we have additional semi-exclusive products available via our packaging partners? Speak to your local Business Development Manager for more information. 

For more information on our mortgage products, please visit our website or contact your local BDM or our mortgage desk.

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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