why choose us?

At Family Building Society we appreciate 'one size does not fit all'. We offer innovative mortgage products to provide solutions for your clients who are not well served by the mass market.

We manually underwrite our mortgages with common sense and no credit scoring. This approach, coupled with our flexible criteria, allows us to make sensible lending decisions. Tell us your clients' story and see what we have to offer - you may be surprised!

Use our affordability calculator to see how much your client may be able to borrow, or our criteria checker to see our levels of acceptance and flexibility.

family support

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

Our Joint Borrower Sole Proprietor (JBSP) products allow up to four incomes to be used for affordability and can be used in reverse to help older parents. With our award-winning 95% LTV Family Mortgage, both savings and property can be used for security. 

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later life

We offer mortgage terms up to age 95 for your clients in or approching retirement.

We take into account earned income up to the age of 75 and other sources of income beyond that such as pension pots and investments (up to 90% split over the mortgage term), fixed pensions and rental income.

We also offer RIO mortgages with no term end date.

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landlords

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

Your landlord clients can make the most of their savings with a Buy to Let Offset, which reduces the interest charged on the mortgage. We also cater for portfolio landlords with no limit on the number of properties, as well as expat landlords.

 

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self-employed

We offer mortgages to sole traders, Ltd Company Directors and partnerships, including both Owner Occupier and Buy to Let products.

We take a sensible view on income and understand the need for flexibility, especially after unusual trading years. We can look at accounts prior to submission and will consider both salary and net profit.

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expat

We offer Expat mortgages on an Interest-Only basis for properties in England and Wales. We can accept applications from over 40 countries, including the USA, Hong Kong, Canada and a number of Gulf states. Our Buy to Let Expat mortgages are available with no minimum income and no portfolio limits.

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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Receive emails to keep up to date with the very latest news, criteria and product changes from us as they happen.

We're always looking at introducing new tailored products and criteria, so ensure you don't miss an important change or a new mortgage product launch.

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Criteria checker

Can we help your client? Use our tool to find out.
Simply type your criteria to see our levels of acceptance and flexibility.

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services from pensions and investments to mortgages. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
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Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Product Selector

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