One property or a portfolio, we can help
We offer a wide range of Buy to Let mortgages for clients looking to invest in or remortgage a rental property. Our range includes fixed and variable rate options, as well as mortgages for Limited Companies, expats and HMO properties.What makes us different?
- No minimum income
- Maximum LTV 75%
- Max loan size dependent on LTV - see LTV scale
- Minimum property value £75,000
- No limit on number of properties held in a SPV
- No stress test on background properties held
- No personal guarantees needed up to 65% LTV for Limited Company applications
- ICR of 125% for Limited Company applications, 135% to 145% for personal landlords
- Expat cases accepted from over 40 countries
- HMO up to six beds and six tenants
- Students Lets are eligible under our HMO criteria and must be located in one of the Society’s nine approved areas: Birmingham, Cardiff, Leeds, Manchester, London, Newcastle, Oxford, Cambridge and York
Compare all Buy to Let products:
View our range of Buy to Let mortgage products for:
Core products Limited Company HMO
LATEST PRODUCT NEWS
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We're expanding our criteria for new-build flats and houses
24 August 2026Family Building Society has enhanced its new-build lending criteria, including lending on flats up to 10 storeys, increasing LTV limits to 80% for flats and 90% for houses, and accepting builder incentives up to 5%. The changes provide greater flexibility and support more purchase and remortgage opportunities for new-build buyers.Read more -
Student lets now accepted under our HMO criteria
30 July 2026Family Building Society now accepts student let properties under its HMO criteria in approved locations: Birmingham, Cambridge, Cardiff, Leeds, London, Manchester, Newcastle, Oxford and York.Read more
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:
Kirsty Dancer
Kirsty has vast experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Kirsty for help with your clients' mortgages.
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Your Local BDM:
Sam Byrne
Sam focuses around the Northern and Western Home Counties. Contact Sam for help with your clients' mortgages.
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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. 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:
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:
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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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.