More in this section

national counties savings, start mortgages

Created for the way we live today

Every family, whatever shape or size, is different. Whether you’re a first time buyer or planning your finances for later life, we want to work with you to help achieve the things that matter most. At the Family Building Society, if it’s important to you, it’s important to us. That’s why we are committed to delivering innovative solutions that make the most of your circumstances, and offering a more personal approach to savings and mortgages.

We are confident in our ethos and think you should be too. Which is why we aim to be the first choice provider of savings and mortgage solutions to modern families, helping every generation to own a home and to save for their, or their family’s, future.

We can help you save your money better or finally get that dream home you wanted but, for today’s family, we know there’s more to think about. That’s why we have  partnered with some trusted providers in the fields of financial planning, moving home, Inheritance Tax and estate administration, for example, so that whatever your particular need, help is at hand.

National Counties

Family Building Society is a trading name of National Counties Building Society which has been securely looking after people's money and helping homebuyers since 1896. The Society is committed to best practice in corporate governance and having regard to the UK Corporate Governance Code, issued by the Financial Reporting Council, as well as meeting the guidance for building societies issued by the Prudential Regulation Authority and Financial Conduct Authority.

Day to day management of the Society is delegated to a team of Senior Executives led by a Chief Executive with oversight by an elected Board. The principal function of the Board is to determine the strategy and policies of National Counties Group within an effective control framework, which enables risk to be assessed and managed. The Board ensures that the necessary financial and human resources are in place for the Society to meet its objectives and that business and management performances are reviewed. 

Furthermore, the Board ensures that the Group operates within the Society's constitution and relevant legislation and regulation and that proper accounting records and effective systems of business control are established, maintained, documented and audited.

The Board has four Committees: the Audit, Board Risk, Remuneration and Nomination Committees, the Terms of Reference for which are accessible via the links below. The first three are comprised only of Non-Executive Directors and have different Chairmen, none of whom is the Chairman of the Society. The Nomination Committee is comprised of the Chairman and Vice Chairman of the Board plus the Chief Executive.

The Remuneration Committee believes that it is increasingly important for members to understand how the remuneration of the Society's Directors and staff has been determined. Accordingly, a copy of the Society's Remuneration Policy Statement can be viewed via the link below.

Financial Information

2019 Annual Report and Accounts
2019 Summary Financial Statement

2018 Annual Report and Accounts
2018 Summary Financial Statement


Annual General Meeting

Annual General Meeting 2019 results

Capital Requirements Directive - Pillar 3 Disclosures

Publication of the attached document is required under the Capital Requirements Directive as described within the introduction section of the document.
2019 Pillar 3 Disclosure
2018 Pillar 3 Disclosure

Country by Country Reporting

Country by Country Reporting 2019 - Please see Note 32, page 115 of the audited 2019 Annual Report and Accounts (link above) for this disclosure.

Country by Country Reporting 2018 - Please see Note 32, page 118 of the audited 2018 Annual Report and Accounts (link above) for this disclosure.

Society Rules, 2014 Edition (effective from 1 September 2014)

Society Rules Booklet - 2014

Society Memorandum, 1998 Edition

NCBS Memorandum - 1998 Edition



Family Building Society
Ebbisham House
30 Church Street
Surrey KT17 4NL
Follow Us