Compare all owner occupier mortgages

From the first time buyer to the last time buyer, Family Building Society provide 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.

Have a question regarding our products? If so please speak to your BDM or our Mortgage Desk.

From the first time buyer to the last time buyer, we have a mortgage to fit

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5.19% (2.35% discounted rate from follow on rate) for 2 years (XD0232)

 Code XD0232
2 years 7.54% 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 and Remortgage
  • Discount - 2.35% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.44%
  • Loan to Value - 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 - 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
  • Cost for comparison - 6.8% APRC.

5.29% JBSP (2.25% discounted rate from follow on rate) for 2 years (XD0233)

 Code XD0233
2 years 7.54% 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 - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 2.25% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.54%
  • Loan to Value - 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.2% APRC.

5.49% 5 Year Fixed Rate to 31/10/2031 (XF1319)

 Code XF1319
31/10/2031 7.54% 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 and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2031
  • *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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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
  • Cost for comparison - 5.9% APRC.

5.54% 2 Year Tracker Rate (1.79% above the BOE Bank Rate) (XT0016)

 Code XT0016
2 years 7.54% 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 - Purchase and Remortgage
  • Difference from Bank Rate - 1.79% above the Bank of England Bank Rate, which is currently 3.75%, for 2 years
  • Minimum Rate - 3.79%
  • Loan to Value - 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 - 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
  • Cost for comparison - 7.3% APRC.

5.54% (2.00% discounted rate from follow on rate) for 2 years (XD0234)

 Code XD0234
2 years 7.54% 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 - Purchase and Remortgage
  • Discount - 2.00% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.79%
  • Loan to Value - 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 - 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
  • Cost for comparison - 7.3% APRC.

5.54% 2 Year Fixed Rate to 31/10/2028 (XF1315)

 Code XF1315
31/10/2028 7.54% 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 and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2028
  • *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 31/10/2027, 1% until 31/10/2028
  • 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
  • Cost for comparison - 6.8% APRC.

5.59% 5 Year Fixed Rate to 31/10/2031 (XF1320)

 Code XF1320
31/10/2031 7.54% 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 and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2031
  • *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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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
  • Cost for comparison - 6.0% APRC.

5.64% 2 Year Fixed Rate to 31/10/2028 (XF1316)

 Code XF1316
31/10/2028 7.54% 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 and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2028
  • *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 31/10/2027, 1% until 31/10/2028
  • 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
  • Cost for comparison - 6.9% APRC.

5.64% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1321)

 Code XF1321
31/10/2031 7.54% 80% £0* £599~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2031
  • *Application Fee - £0
  • 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. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - £1,000,000. 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
  • Cost for comparison - 6.5% APRC.

5.69% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1317)

 Code XF1317
31/10/2028 7.54% 80% £0* £599~ £500^ Yes No No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £0
  • 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. For loans above £500,000, 0.3% of the loan amount
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - £1,000,000. 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
  • Cost for comparison - 7.2% APRC.

5.69% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0235)

 Code XD0235
2 years 7.54% 80% £175* £599~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Discount - 1.85% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 3.94%
  • Loan to Value - 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 - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.5% APRC.

5.74% JBSP 5 Year Fixed Rate to 31/10/2031 (XF1322)

 Code XF1322
31/10/2031 7.54% 90% £0* £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 Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/10/2031
  • *Application Fee - £0
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 6.6% APRC.

5.79% Expat (1.75% discounted rate from follow on rate) for 2 years (XD0236)

 Code XD0236
2 years 7.54% 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 applications for Purchase and Remortgage
  • Discount - 1.75% applied to our Managed Mortgage Rate for 2 years
  • Minimum Rate - 4.04%
  • Loan to Value - 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 - 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 - £100,000 for Purchase and Remortgage
  • Cost for comparison - 7.3% APRC.

5.79% Family Mortgage 5 Year Fixed Rate to 31/10/2031 (XF1323)

 Code XF1323
31/10/2031 7.54% 100% £175* £0~ £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 purchase applications
  • Loan to Value - Maximum 100% (Additional security required). Minimum 80%
  • Security options available - Security through savings (in our Family Security Account), or security through property. The total of all security provided, plus any deposit, must be equal to 20% of the value of the property being purchased.
  • Fixed Rate end date - 31/10/2031
  • *Application Fee - None
  • 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 - None
  • ^Cashback - £250
  • Early Repayment Charges - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • Maximum Loan - £750,000
  • Minimum Loan - £96,000
  • Cost for comparison - 7.1% APRC.

5.79% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1318)

 Code XF1318
31/10/2028 7.54% 90% £0* £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 Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 90%
  • Fixed Rate end date - 31/10/2028
  • *Application Fee - £0
  • 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
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.3% APRC.

5.89% 2 Year Fixed Rate to 31/10/2028 (XF1324)

 Code XF1324
31/10/2028 7.54% 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 and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2028
  • *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 31/10/2027, 1% until 31/10/2028
  • 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
  • Cost for comparison - 7.3% APRC.

5.89% 5 Year Fixed Rate to 31/10/2031 (XF1328)

 Code XF1328
31/10/2031 7.54% 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 and Remortgage
  • Loan to Value - Maximum 60%
  • Fixed Rate end date - 31/10/2031
  • *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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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
  • Cost for comparison - 6.6% APRC.

5.99% RIO 5 Year Fixed Rate to 31/10/2031 (XFZ036)

 Code XFZ036
31/10/2031 7.54% 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 - Retirement Interest-Only applications for Purchase and Remortgage.
  • Loan to Value - Maximum 50%
  • Fixed Rate end date - 31/10/2031
  • *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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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
  • Cost for comparison - 6.8% APRC.

6.04% 5 Year Fixed Rate to 31/10/2031 (XF1329)

 Code XF1329
31/10/2031 7.54% 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 - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2031
  • *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 - 5% until 31/10/2027, 4% until 31/10/2028, 3% until 31/10/2029, 2% until 31/10/2030, 1% until 31/10/2031
  • 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
  • Cost for comparison - 6.8% APRC.

6.04% 2 Year Fixed Rate to 31/10/2028 (XF1326)

 Code XF1326
31/10/2028 7.54% 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 - Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2028
  • *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 31/10/2027, 1% until 31/10/2028
  • 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
  • Cost for comparison - 7.4% APRC.

6.14% JBSP 2 Year Fixed Rate to 31/10/2028 (XF1327)

 Code XF1327
31/10/2028 7.54% 80% £175* £599~ £500^ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Purpose - Joint Borrower Sole Proprietor applications for Purchase and Remortgage
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2028
  • *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 - £599 for loans up to £500,000
  • ^Cashback - £500 for Remortgage applications
  • Early Repayment Charges - 2% until 31/10/2027, 1% until 31/10/2028
  • Maximum Loan - £500,000
  • Minimum Loan - £45,000 for Purchase and Remortgage
  • Cost for comparison - 7.5% APRC.