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 and second steppers.
Our 100% LTV Family Mortgage allows family members to help buyers by providing security through savings or property. 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.
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.
landlords
We offer a range of Buy to Let mortgages, from fixed to variable rates.
We cater for single-property landlords through to portfolio landlords with no limit on the number of properties held. We offer Buy to Let mortgages for expats, HMO mortgages for properties with up to six bedrooms and a maximum six tenants, plus mortgages for MUFBs with up to 3 bedrooms.
self-employed
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.
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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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.
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.
Your Local BDM:
Sam Morrison
Your Local BDM:
Neil Cadwallader
Your Local BDM:
Stuart Heavens
Your Local BDM:
Amar Mashru
Your Local BDM:
Arif Kara
Your Local BDM:
Nathan Waller
Your Local BDM:
Gina England
Your Local BDM:
Paul Roberts
A new BDM will be covering your area soon. In the meantime, our experienced business support team are on hand to support you with any applications, case updates or any queries you may have.
- 03300 243407
- 01372 745607
- BDR@familybsoc.co.uk
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.
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