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

Our key specialisms - what sets us apart

First time buyers & family support

As well as our traditional mortgages, we also offer specialist products tailored to first time buyers.

Our offering includes our award-winning 95% LTV Family Mortgage and Joint Borrower Sole Proprietor (JBSP) products.


Read more

Later life lending

We offer generous mortgage terms for clients approaching or in retirement - up until the age of 95.

We take into account earned income up to the age of 70 and other sources of income beyond that such as fixed pensions, pension pots, investments and rental income. Other income can be considered on a case-by-case basis.

Read more


We offer a range of Buy To Let mortgages, from fixed to variable rates.

For those clients who want to make the most of their savings we also offer Offset Buy To Let mortgages. We also offer Buy to Let mortgages for Expats.

Read more

Self employed mortgages

At Family Building Society we offer mortgages to sole traders, Ltd Company Directors and partnerships, including both owner occupier and Buy to Let products.

We assess self-employed applicants on their individual merits, taking a sensible view on their income.

Read more

Expat mortgages

We're able to accept owner occupier and buy to let 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.

Read more

Retirement Interest Only (RIO) Mortgages

An alternative to equity release, our RIO mortgage is available to older borrowers aged 55 and over on an Interest Only basis.

With no set end date, your clients can borrow funds up to a maximum of 50% LTV and are able to make monthly interest payments without the need to repay the capital until a significant life event occurs such as going into long-term care or passing away.

Read more

Bank of Mum and Dad

Young people, particular first time buyers, often need help from parents or other family members to raise a deposit for a property purchase.

Following the research we carried out in 2019 with the London School of Economics we produced our definitive guide 'How to run the Bank of Mum and Dad'. We have also created a guide focusing on how your client can approach family borrowing conversations.

Read more

Remortgaging in later life

In early 2020 we launched our research report, ‘Later life borrowing in a world that’s living longer’.

Working with the London School of Economics we examined why older borrowers remortgage and what they do with the funds. Our research highlighted that older home owners are spending their housing wealth now rather than use their accumulated equity to provide for their future long term care needs.

Read more