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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2.94% 3 year discounted rate at 1.45%

Code XD0078
3 years 4.39% 60% £175 £999~ £500^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • Discount - 1.45% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 2.84%
  • LTV - Maximum LTV 60%.
  • 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 - £500 for remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 
  • Cost for comparison - 4.1% APRC

3.19% 3 year discounted rate at 1.20%

Code XD0079
3 years 4.39% 75% £175* £999~ £500^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • Discount - 1.20% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 3.09%
  • LTV - Maximum LTV 75%.
  • *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 - £500 for remortgage applications
  • Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 
  • Cost for comparison - 4.2% APRC

3.56% 3 year discounted rate at 0.83% for expats

Code XD0080
3 years 4.39% 60% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Discount - 0.83% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum interest - 3.46%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.3% APRC
  • Additional criteria - We require a UK address for the serving of notice

3.81% 3 year discounted rate at 0.58% for Expats

Code XD0081
3 years 4.39% 75% £175* £999~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Expat purchase, remortgage, product switch and further advance
  • Discount - 0.58% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum interest - 3.71%
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.4% APRC
  • Additional criteria - We require a UK address for the serving of notice.

3.04% 3 year discounted rate at 1.35% JMSO

Code XD0086
3 years 4.39% 60% £175* £999~ £500^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.35% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.94% 
  • LTV - Maximum 60%.
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000.  See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Maximum loan  - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.1% APRC

3.29% 3 year discounted rate at 1.10% JMSO

Code XD0087
3 years 4.39% 75% £175* £999~ £500^ No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Discount - 1.10% discount applied to our Managed Mortgage Rate for the first 3 years.
  • Minimum interest - 3.19%
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 3% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC

2.59% 2 year fixed rate

Code XF0336
30/06/2023 4.39% 60% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • LTV - Maximum LTV 60%.
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • *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 - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/06/2022, 1% until 30/06/2023
  • Cost for comparison - 4.1% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

2.84% 2 year fixed rate

Code XF0337
30/06/2023 4.39% 75% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase and remortgage
  • LTV - Maximum 75%
  • *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 - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/06/2022, 1% until 30/06/2023
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

2.69% 2 year fixed rate JMSO

Code XF0340
30/06/2023 4.39% 60% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • LTV - Maximum 60%.
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/06/2022, 1% until 30/06/2023
  • Maximum loan -£500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.1% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

2.94% 2 year fixed rate JMSO

Code XF0341
30/06/2023 4.39% 75% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • LTV - Maximum 75%.
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/06/2022,1% until 30/06/2023
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

3.09% 5 year fixed rate

Code XF0344
30/06/2026 4.39% 60% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 3.9% APRC
  •  Additional criteria - The mortgage must complete by 01/07/2021

3.34% 5 year fixed rate

Code XF0345
30/06/2026 4.39% 75% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Purchase, remortgage, product switch and further advance
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021
 

3.19% 5 year fixed rate JMSO

Code XF0346
30/06/2026 4.39% 60% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.2% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

3.44% 5 year fixed rate JMSO

Code XF0347
30/06/2026 4.39% 75% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • LTV - Maximum 75%.
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.1% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021

3.64% 5 year fixed rate Family Mortgage

Code XF0348
30/06/2026 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
  • Purpose - Family Mortgage applications for purchase, product switch and further advance
  • LTV - Maximum 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available.
  • Security options available - Security Account, Security Through Property, Offset Account
  • *Application Fee - £175 + Valuation Fee for purchase. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £599 
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 3.9% APRC
  • Additional criteria - The mortgage must complete by 01/07/2021
 

2.74% 2 year discounted rate at 1.75% Offset Mortgage

Code XO0029
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 - 1.75% 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 75%
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 4.4% 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
  • Options available - Term Reduction and Payment Reduction
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. A cashback of £250 will be used to open your linked Offset Saver account on completion of the mortgage.
  • 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

2.84% 2 year discounted rate at 1.65% Offset mortgage

Code XO0035
2 years 4.49% 60% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction
  • Discount - 1.65% applied to our Flexi Managed Mortgage Rate for 2 years
  • Minimum rate - 2.74%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.5% APRC
  • 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: £100 for remortgages and 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

3.09% 2 year discounted rate at 1.40% Offset mortgage

Code XO0036
2 years 4.49% 75% £175* £999~ £500^ Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction
  • Discount - 1.40% applied to our Flexi Managed Mortgage Rate for 2 years
  • Minimum rate - 2.99%
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fee - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.5% APRC
  • 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: £100 for remortgages and 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