Why Choose us?

At Family Building Society we’re focused on delivering innovative and flexible mortgage products to meet the needs of the modern family across all generations and individuals not well served by the mass market.

We appreciate that ‘one size does not fit all’ when it comes to mortgages so we provide mortgages that work for everyone.

An alternative to what's on the high street


Remortgaging in later life – new research   We’re delighted to announce the publication of our new research report, ‘Later life borrowing in a world that’s living longer’.


   Working with the London School of Economics we have examined why older borrowers remortgage and what they do with the funds.


   We’d like to thank those of you who took the time to help us with this research, as your input was invaluable.


   You can download a copy of our report here.



First time buyers / family support

We offer a range of mortgages from traditional fixed and variable rate to innovate mortgages for those who need some extra help getting on the property ladder.

The Family Mortgage - our award winning 95% LTV Family Mortgage gives families the flexibility to combine their property and savings as security for a borrower's mortgage. 

Joint Mortgage Sole Owner (JMSO) arrangements - a great solution for young borrowers and parents who want help to increase their borrowing capacity. 

Guarantor Mortgages - we're able to consider parents’ or family members’ income to help with affordability on mortgage applications.

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Later Life lending

We offer generous mortgage terms for people approaching or in retirement. We take into account earned income up to the age of 70 and other sources of income beyond that such as pension, investment and rental income.

We also know many retired clients reach a point in their life when they wish to make the most of money tied up in their home to enjoy life's luxuries.

Our Retirement Lifestyle Booster mortgage is a real alternative to equity release. It is a 10 year interest-only standard mortgage (not even a RIO) that gives your clients regular monthly advances and an optional lump sum.

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If your client is looking to invest in property or remortgage their Buy to Let property, we offer a range of fixed or variable rate mortgages.

Alternatively, if your Buy to Let client wants to make more of their savings and reduce the interest they're charged, our Offset Buy to Let Mortgages may be of interest.

We also offer Buy to Let mortgages on the following arrangements:

  • Limited Companies
  • Expats

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We're able to accept mortgages from Expats in over 40 countries including the USA, Hong Kong and Canada. We lend to UK nationals working abroad, along with UK nationals and foreign nationals working in the UK but paid in a foreign currency.  

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Self employed

At Family Building Society we offer mortgages to sole traders, Ltd Company Directors and partnerships. We assess self-employed applicants on their individual merits, taking a sensible view on their income.

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