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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2.39% 3 year discounted rate by 2.00%

 Code XD0105
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 - Purchase, remortgage, product switch and further advance
  • Discount - 2.00% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 2.29%
  • LTV - Maximum LTV 60%.
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage.(£125 for further advance, £0 for switch)
  • 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
 
 
 

2.54% 3 year discounted rate by 1.85%

 Code XD0106
3 years 4.39% 80% £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, remortgage, product switch and further advance
  • Discount - 1.85% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum rate - 2.44%
  • LTV - Maximum LTV 80%.
  • *Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for switch) 
  • 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

2.69% 3 year discounted rate by 1.70% JMSO

 Code XD0107
3 years 4.39% 60% £175* £599~ £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 - 1.70% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.59% 
  • LTV - Maximum 60%.
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage.
  • 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 - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch.)
  • ^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 - 4.2% APRC

2.84% 3 year discounted rate by 1.55% JMSO

 Code XD0108
3 years 4.39% 80% £175* £599~ £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 - 1.55% discount applied to our Managed Mortgage Rate for the first 3 years.
  • Minimum interest - 2.74%
  • LTV - Maximum 80%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. 
  • 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 - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch.)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 3% for the first year, 2% for the second year, 1% for 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 - 4.2% APRC

2.99% 3 year discounted rate by 1.40% for Expats

 Code XD0109
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 - 1.40% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum interest - 2.89%
  • LTV - Maximum 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 - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.1% APRC
  • Additional criteria - We require a UK address for the serving of notice

3.14% 3 year discounted rate by 1.25% for Expats

 Code XD0110
3 years 4.39% 80% £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 - 1.25% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum interest - 3.04%
  • LTV - Maximum 80%
  • *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 - £100,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.1% APRC
  • Additional criteria - We require a UK address for the serving of notice.

3.14% 10 year discounted rate by 1.25% Retirement Lifestyle Booster

 Code XDR007
10 years 4.39% 25% £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 - Remortgage only
  • Discount - 1.25% discount applied to our Managed Mortgage Rate for 10 years
  • Minimum interest - 3.04%
  • LTV - Maximum 25%
  • *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
  • Additional benefits:
    - ^Cashback - £500 on completion 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 - 3.4% APRC
  • Additional criteria - Minimum property value is £240,000 if property owned outright or £180,000 if repaying existing mortgage

2.44% 2 year fixed rate

 Code XF0437
30/04/2024 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 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 (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/04/2023, 1% until 30/04/2024
  • Cost for comparison - 4.1% APRC
  • Additional criteria - The mortgage must complete by 01/06/2022

2.54% 2 year fixed rate

 Code XF0438
30/04/2024 4.39% 80% £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 - 80%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. See 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 - 2% until 30/04/2023, 1% until 30/04/2024
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.1% APRC
  • Additional criteria - The mortgage must complete by 01/06/2022

2.54% 2 year fixed rate JMSO

 Code XF0439
30/04/2024 4.39% 60% £175* £599~ £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. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000.  (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/04/2023, 1% until 30/04/2024
  • 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
  • Additional criteria - The mortgage must complete by 01/06/2022

2.64% 2 year fixed rate JMSO

 Code XF0440
30/04/2024 4.39% 80% £175* £599~ £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 - 80%.
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch) 
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/04/2023,1% until 30/04/2024
  • 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
  • Additional criteria - The mortgage must complete by 01/06/2022

2.64% 5 year fixed rate

 Code XF0443
31/05/2027 4.39% 60% £175* £999~ £500^ Yes No No  
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. (£125 for further advance. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • 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 - 3.6% APRC
  •  Additional criteria - The mortgage must complete by 01/06/2022

2.74% 5 year fixed rate

 Code XF0444
31/05/2027 4.39% 80% £175* £999~ £500^ Yes No No  
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 - 80%
  • *Application Fee - £175 + Valuation Fee.(£125 for further advances. £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advances. £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. (£0 for further advances. £0 for product switch)
  • ^Cashback - £500 for remortgage application
  • Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • 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 - 3.6% APRC
  • Additional criteria - The mortgage must complete by 01/06/2022 
 

2.74% 5 year fixed rate JMSO

 Code XF0447
31/05/2027 4.39% 60% £175* £599~ £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. (£125 for further advance, £0 for switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £599 for loans up to £500,000. (£0 for further advance and switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • 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 - 3.8% APRC
  • Additional criteria - The mortgage must complete by 01/06/2022

2.84% 5 year fixed rate JMSO

 Code XF0448
31/05/2027 4.39% 80% £175* £599~ £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 - 80%.
  • *Application Fee - £175 + Valuation Fee. 
  • Valuation Fees - Free
  • ~Product Fee - £599 for loans up to £500,000
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • 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 - 3.8% APRC
  • Additional criteria - The mortgage must complete by 01/06/2022

2.84% 5 year fixed rate Family Mortgage

 Code XF0449
31/05/2027 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. (£125 for further advance, £0 for switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £599 
  • ^Cashback - £250 for purchase applications
  • Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.0% APRC
  • Additional criteria - The mortgage must complete by 01/06/2022
 

2.99% 5 year fixed rate Retirement Interest-Only

 Code XFZ010
31/05/2027 4.39% 50% £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 - RIO applications for purchase, remortgage, product switch and additional borrowing
  • LTV - Maximum 50%.
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance and switch)
  • ^Cashback - £500 for remortgage applications.
  • Early Repayment Charges - 5% until 31/05/2023, 4% until 31/05/2024, 3% until 31/05/2025, 2% until 31/05/2026, 1% until 31/05/2027
  • Overpayments - 10% per year allowed Early Repayment Charges free
  • 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 01/06/2022

2.84% 2 year discounted rate by 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 for purchase and remortgage. (£0 for further advance and switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £999 for loans up to £500,000. (£0 for further advance and switch)
  • ^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 - 4.3% 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

2.94% 2 year discounted rate by 1.55% Offset mortgage

 Code XO0037
2 years 4.49% 80% £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 - 1.55% applied to our Flexi Managed Mortgage Rate for 2 years
  • Minimum rate - 2.84%
  • LTV - Maximum 80%
  • *Application Fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation Fee - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance and for product switch)
  • ^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 - 4.3% 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