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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2.64% 3 year discounted rate

 Code XD0031
3 years 5.04% 80% £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 - 2.40% 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • 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 - 2.19%
  • 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

3.14% 3 year discounted rate

 Code XD0032
3 years 5.04% 80% £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 - 1.90% 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.6% APRC
  • Minimum interest - 2.69%
  • 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

2.79% 5 year discounted rate

 Code XD0034
5 years 5.04% 80% £175* £1499** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.25% 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 3.8% APRC
  • Minimum interest - 2.34%
  • 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 - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

2.99% 5 year discounted rate

 Code XD0035
5 years 5.04% 80% £175* £249** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.05% 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 3.7% APRC
  • Minimum interest - 2.54%
  • Purpose - Purchase and 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 - £249 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.29% 5 year discounted rate

 Code XD0036
5 years 5.04% 80% £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 - 1.75% 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 2.84%
  • 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

3.49% 5 year discounted rate

 Code XD0037
5 years 5.04% 80% £175* £249** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.55% 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 3.04%
  • Purpose - Purchase and 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 - £249 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.76% 3 year discounted rate for Expats

 Code XD0042
3 years 5.04% 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 - 1.28% 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 - 4.9% APRC
  • Minimum interest - 3.56%
  • 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

3.86% 3 year discounted rate for Expats

 Code XD0043
3 years 5.04% 80% £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 - 1.18% 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 80%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.9% APRC
  • Minimum interest - 3.66%
  • 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

3.74% 10 year discounted rate Retirement Lifestyle Booster

 Code XDR003
10 years 5.04% 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 - 1.30% 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 - 4.3% APRC
  • Minimum interest - 3.29%
  • 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

2.69% 2 year fixed rate

 Code XF0217
31/03/2022 5.04% 80% £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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 2% until 31/03/2021, 1% until 31/03/2022
  • Cost for comparison - 4.6% 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
  • Additional criteria - The mortgage must complete by 01/04/2020

2.99% 3 year fixed rate

 Code XF0219
28/02/2023 5.04% 80% £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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% until 28/02/2021, 2% until 28/02/2022, 1% until 28/02/2023
  • Cost for comparison - 4.4% 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
  • Additional criteria - The mortgage must complete by 01/04/2020

3.19% 5 year fixed rate

 Code XF0222
31/01/2025 5.04% 80% £175* £1499** £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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 5% until 31/01/2021, 4% until 31/01/2022, 3% until 31/01/2023, 2% until 31/01/2024, 1% until 31/01/2025
  • Cost for comparison - 4.6% 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 - £1,499 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
  • Additional criteria - The mortgage must complete by 01/04/2020

3.39% 5 year fixed rate

 Code XF0224
31/01/2025 5.04% 80% £175* £249** £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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 5% until 31/01/2021, 4% until 31/01/2022, 3% until 31/01/2023, 2% until 31/01/2024, 1% until 31/01/2025
  • Cost for comparison - 4.4% APRC
  • Purpose - Purchase and 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 - £249 
  • Additional criteria - The mortgage must complete by 01/04/2020

2.84% 3 year fixed rate Family Mortgage

 Code XF0225
28/02/2023 5.04% 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% additional security is required. Additional offsetting feature is available
  • Early Repayment Charges - 3% until 28/01/2021, 2% until 28/02/2022, 1% until 28/02/2023
  • Cost for comparison - 4.6% 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 01/04/2020

2.89% 5 year fixed rate Family Mortgage

 Code XF0226
31/01/2025 5.04% 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 31/01/2021, 4% until 31/01/2022, 3% until 31/01/2023, 2% until 31/01/2024, 1% until 31/01/2025
  • Cost for comparison - 4.4% 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 01/04/2020

2.64% 2 year discounted rate Offset Mortgage

 Code XO0017
2 years 5.14% 80% £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 - 2.50% 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Cost for comparison - 4.8% APRC
  • Minimum interest - 2.19%
  • 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
  • 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

3.14% 5 year discounted rate Offset Mortgage

 Code XO0018
5 years 5.14% 80% £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 - 2.00% applied to our Flexi 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first, second and third years, 2% in the fourth year, 1% in the fifth year
  • Cost for comparison - 4.4% APRC
  • Minimum interest - 2.69%
  • Purpose - Purchase, remortgage, 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 - £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
  • 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

2.74% 3 year base rate tracker

 Code XT0007
3 years 5.04% 80% £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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third
  • Cost for comparison - 4.3% APRC
  • Minimum interest - 2.29%
  • 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

3.24% 3 year base rate tracker

 Code XT0008
3 years 5.04% 80% £175* £999** £250 No Yes 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 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third
  • Cost for comparison - 4.7% APRC
  • Minimum interest - 2.79%
  • 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