Compare all owner occupier mortgages

From the first time buyer to the last time buyer, the Family Building Society provides an innovative and competitive range of mortgage products. See how all our owner occupier products compare here and find the one that's right for your client.

From the first time buyer to the last time buyer, we have a mortgage to fit
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2.74% 3 year discounted rate

Code XD0067
3 years 4.39% 60% £175* £999** £250^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.65% discount applied to our Managed Mortgage Rate for the first 3 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.1% APRC
  • Minimum interest - 2.64%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000, standard Valuation Fee scale applies less £330 discount
  • Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages a cashback of £250 is payable on completion of the mortgage

2.99% 3 year discounted rate

Code XD0068
3 years 4.39% 75% £175* £999** £250^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.40% discount applied to our Managed Mortgage Rate for the first 3 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 75%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.1% APRC
  • Minimum interest - 2.89%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages, a cashback of £250 is payable on completion of the mortgage

2.89% 5 year discounted rate

Code XD0069
5 years 4.39% 60% £175* £1499** £250^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.50% discount applied to our Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 3.9% APRC
  • Minimum interest - 2.79%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • *Application fee - £175 for purchase and remortgage, £125 for additional borrowing. No fee for product switch
  • **Product fee - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages, a cashback of £250 is payable on completion of the mortgage

3.14% 5 year discounted rate

Code XD0070
5 years 4.39% 75% £175* £1499** £250^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.25% discount applied to our Managed Mortgage Rate for the first 5 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 75%
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.0% APRC
  • Minimum interest - 3.04%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages, a cashback of £250 is payable on completion of the mortgage 

3.56% 3 year discounted rate for Expats

Code XD0071
3 years 4.39% 60% £175* £999** £250^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 0.83% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum loan - £100,000
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 3.46%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages, a cashback of £250 is payable on completion of the mortgage

3.81% 3 year discounted rate for Expats

Code XD0072
3 years 4.39% 75% £175* £999** £250^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 0.58% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum loan - £100,000
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 75%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 3.71%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • ^Cashback - For remortgages, a cashback of £250 is payable on completion of the mortgage. 
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.44% 10 year discounted rate Retirement Lifestyle Booster

Code XDR005
10 years 4.39% 25% £175* £999** £250 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 0.95% discount applied to our Managed Mortgage Rate for 10 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 25%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 3.8% APRC
  • Minimum interest - 3.34%
  • Purpose - Remortgage only
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. 0.3% of the advance for loans over £500,000
  • Minimum property value - £240,000 if property owned outright or £180,000 if repaying existing mortgage

3.44% discounted rate Retirement Interest Only

Code XDZ004
n/a years 4.39% 50% £175* £999** £250^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 0.95% discount applied to our Managed Mortgage Rate for term
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 50%.
  • Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year. Charged on money repaid
  • Cost for comparison - 3.6% APRC
  • Minimum interest - 3.34%
  • Purpose - Purchase and remortgage, product switch and further advance
  • *Application Fee - £175 + Valuation Fee
  • ^Cashback - For remortgages, a cashback of £250 is payable on completion of the mortgage
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.54% discounted rate Retirement Interest Only with flexible features

Code XDZL04
n/a years 4.49% 50% £175* £999** £250^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 0.95% discount applied to our Managed Flexi Mortgage Rate for term
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 50%
  • Early Repayment Charges - 3% in the first year, 2% in the second year and 1% in the third year. Charged on the original loan amount
  • Overpayments - Allowed, Early Repayment Charges free, where the mortgage is not fully redeemed
  • Cost for comparison - 3.8% APRC
  • Minimum interest - 3.44%
  • Purpose - Purchase and remortgage, product switch and further advance
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages, a cashback of £250 is payable on completion of the mortgage

2.49% 2 year fixed rate

Code XF0309
31/03/2023 4.39% 60% £175* £999** £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%
  • Early Repayment Charges - 2% until 31/03/2022, 1% until 31/03/2023
  • Cost for comparison - 4.1% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages, a cashback of £250 is payable on completion of the mortgage. 

  • Additional criteria - The mortgage must complete by 01/04/2021

2.74% 2 year fixed rate

Code XF0310
31/03/2023 4.39% 75% £175* £999** £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 75%.
  • Early Repayment Charges - 2% until 31/03/2022, 1% until 31/03/2023
  • Cost for comparison - 4.2% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages a cashback of £250 is payable on completion of the mortgage
  • Additional criteria - The mortgage must complete by 01/04/2021

2.69% 3 year fixed rate

Code XF0311
31/03/2024 4.39% 60% £175* £999** £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%.
  • Early Repayment Charges - 3% until 31/03/2022 2% until 31/03/2023, 1% until 31/03/2024
  • Cost for comparison - 4.1% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortages a cashback of £250 is payable on completion of the mortgage
  • Additional criteria - The mortgage must complete by 01/04/2021

2.94% 3 year fixed rate

Code XF0312
31/03/2024 4.39% 75% £175* £999** £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 75%.
  • Early Repayment Charges - 3% until 31/03/2022, 2% until 31/03/2023 1% until 31/03/2024
  • Cost for comparison - 4.2% APRC
  • Purpose - Purchase or remortgage
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^ For remortgages a cashback of £250 is payable on completion of the mortgages.
  • Additional criteria - The mortgage must complete by 01/04/2021

2.79% 5 year fixed rate

Code XF0315
31/03/2026 4.39% 60% £175* £999** £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%.
  • Early Repayment Charges - 5% until 31/03/2022, 4% until 31/03/2023, 3% until 31/03/2024, 2% until 31/03/2025, 1% until 31/03/2026
  • Cost for comparison - 3.8% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages a cashback of £250 is payable on completion of the mortgage.
  • Additional criteria - The mortgage must complete by 01/04/2021

3.04% 5 year fixed rate

Code XF0316
31/03/2026 4.39% 75% £175* £999** £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 75%.
  • Early Repayment Charges - 5% until 31/03/2022, 4% until 31/03/2023, 3% until 31/03/2024, 2% until 31/03/2025, 1% until 31/03/2026
  • Cost for comparison - 3.9% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages a cashback of £250 is payable on completion of the mortgage.
  • Additional criteria - The mortgage must complete by 01/04/2021

3.29% 5 year fixed rate Family Mortgage

Code XF0317
31/03/2026 4.39% 95% £175* £599** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - £500,000
  • LTV - Maximum LTV 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available
  • Early Repayment Charges - 5% until 31/03/2022, 4% until 31/03/2023, 3% until 31/03/2024, 2% until 31/03/2025, 1% until 31/03/2026
  • Cost for comparison - 3.9% APRC
  • Purpose - Purchase, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties over £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £599
  • Options available - Security Account, Security Through Property, Offset Account
  • Additional criteria - The mortgage must complete by 01/04/2021

3.39% 5 year fixed rate Retirement Interest Only

Code XFZ006
31/03/2026 4.39% 50% £175* £999** £250^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 50%.
  • Early Repayment Charges - 5% until 31/03/2022, 4% until 31/03/2023, 3% until 31/03/2024, 2% until 31/03/2025, 1% until 31/03/2026
  • Cost for comparison - 4.1% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - For remortgages a cashback of £250 is payable on completion of the mortgage
  • Additional criteria - The mortgage must complete by 01/04/2021

2.74% 2 year discounted rate Offset Mortgage

Code XO0031
2 years 4.49% 60% £175* £999** £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.75% applied to our Flexi Managed Mortgage Rate for the first 2 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 4.1% APRC
  • Minimum interest - 2.64%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fee - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - Payable on completion: £250 for remortgages and £100 for purchases
  • Options available - Term Reduction and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £250 for remortgages and £100 for purchases
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset

2.99% 2 year discounted rate Offset Mortgage

Code XO0032
2 years 4.49% 75% £175* £999** £250^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.50% applied to our Flexi Managed Mortgage Rate for the first 2 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 75%
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 4.2% APRC
  • Minimum interest - 2.89%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fee - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • ^Cashback - Payable on completion: £250 for remortgages and £100 for purchases.
  • Options available - Term Reduction and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £250 for remortgages and £100 for purchases.
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset