First Time Buyer / Family support
When your client is purchasing their first property, we understand that both they and you will want the process to be as easy as it can.We've helped many first time buyers into their own home. Though our award winning Family Mortgage, we offer a variety of security options so your client's family can help them onto the property ladder

We are built on helping borrowers make the most of their circumstances using a more personal approach, particularly across family generations.
FAMILY MORTGAGE
With our Family Mortgages for First Time Buyers (FTBs) your clients can:
- borrow up to 95% LTV on their first property with our 5 year fixed rate.
- include family members' savings and/or property as security
- include family members' savings as security in an offset account to reduce the amount of the mortgage on which interest is charged
For peace of mind we include six months unemployment cover from mortgage completion, subject to terms and conditions.
For further information please see our Family Mortgage brochure or visit our Family Mortgage product page.
We appreciate some FTB clients may not require additional family support for their mortgage, and for those we offer a variety of fixed and variable rate mortgages with a maximum 80% LTV. For more information please see our Owner Occupier mortgages.
Joint Mortgage Sole Owner (JMSO)
Our JMSO arrangement is designed to enable family members to help support each other with affordability when applying for a mortgage. One or two owners, plus up to two family members, can join the mortgage to support the borrower.
This arrangement enables:
- borrowers to call upon support of their family members
- adult children to support their parents if their circumstances were to change
The maximum LTV is 75% for owner occupier and 65% for Buy to Let.
View our JMSO Owner Occupier product range. For Buy to Let applications, you can use our JMSO arrangement with any of our core product range. Please contact us for more information.
For further information please read our Joint Mortgage Sole Owner customer leaflet.
For further information about these mortgages please contact your dedicated Business Development Manager or our Mortgage Desk.
Criteria checker
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Your Local BDM:
Arif Kara
Your Local BDM:
Michelle Parry-Bunter
Your Local BDM:
Nathan Waller
Your Local BDM:
Grace Bennett
Your Local BDM:
Darren Deacon
Your Local BDM:
Paul Roberts
We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:
- 01372 744155
- 01372 745607
- mortgage.desk@familybsoc.co.uk
Opening hours: Mon - Fri: 8am - 5.30pm, Sat: 9am - noon
We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.