Notices
  • Savings customers - interest rates on many of our variable rate savings products will be decreasing from 29 January. We have emailed or written to you to let you know of how these interest rate decreases affect you. See our variable savings rate changes

  • UK Landlords - The Renters’ Rights Bill, introduced in September 2024, received Royal Assent on 27 October 2025 and is now law as the Renters’ Rights Act. Read more about what to expect.
  • Savings: Interest rates for Windfall Bond will decrease by 0.25% from 1 January 2026. We will write to all customers individually to confirm the new rates.

    Mortgages: Tracker mortgages will change on 25 January 2026 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

  • Mortgage products - On Tuesday 20 January 2026, we made changes to our mortgage product range. This includes enhanced Buy to Let HMO criteria, now catering to properties with up to six bedrooms (previously four bedrooms)

    Managed Mortgage Rates and Discounted Variable Rates

    From 7 February 2026, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.15%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.

    We will shortly be writing to existing customers who have been impacted by this change, with details relevant to them.

  • Our Market Tracker Cash ISA (2) paying 4.03% AER is now back on sale. Find out more

ABOUT-US_V2_994x437_150dpi

About us

Welcome to Family Building Society - innovative mortgage and savings products for the way families live today.

We've been in business for over 125 years. Allow us to introduce ourselves.

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.

We're a mutual building society. That means we're owned and run for the benefit of our savings and mortgage Members. All Family Building Society Members have a say. We frequently ask for your views on how we are doing and what improvements you want us to make.

As we don't have any shareholders, this means we don't pay dividends. Instead, our profits are put back into the Society, to benefit you, our Members.

Over 69,000 Members and growing

At Family Building Society, we believe that families who work together across the generations deserve savings and mortgage choices that are backed by excellent personal service and innovative products.

We pride ourselves on delivering good outcomes for our customers and are proud to be recognised for the hard work we do. Take a look at our recent awards and achievements.

 

Why are we different?

Savings

  • Our unique range of savings products serve the current needs of the modern savvy saver.

Mortgages

  • We take a personal approach to our lending and focus on people who are not well served by high street lenders.
  • We appreciate that ‘one size does not fit all’ so we provide mortgages that work for your particular situation.
  • Our innovative and flexible mortgage range can fit your unique needs, no matter your circumstance or stage of life, such as:
    • First time buyers and second steppers
    • Those in or nearing retirement
    • Expats
    • Landlords - UK based and overseas
    • The self-employed
  • We know everyone is different. That's why we use real human beings with years of experience to underwrite our mortgages, who will always listen to your story.
 

 

    See all our reviews on Trustpilot.

Our Society

 

Our history

We've been around for over 125 years and are incredibly proud of our heritage. Read a brief history about how we came to be.

Media & Press

Read our latest news, press releases and contact details of our Media Team.

Work in the community

We're committed to supporting our local community, various local charities and the environment.

Corporate and financial information

Find out about who we are and the rules by which we operate, latest financial information and more.

Annual General Meetings

Each year we invite our Members to have their say on how the Society is run.

Whistleblowing

See our whistleblowing policy and how you and our staff can raise a concern about malpractice or wrongdoing within the Society.

Award-winning

We are proud to have won a range of awards and achievements recognised by the industry.

Careers at the Society

Find out about a variety of roles and career opportunities available within the Society.

Case studies from our members

Learn how our products have helped real life customers by reading their stories and finding out more about our products.

Savings case studies

Protecting you and helping you to protect yourself

 

FSCS protection

Your savings are protected. All your eligible deposits with us are protected up to a total of £120,000 by the Financial Services Compensation Scheme.

Protect yourself against fraud

We've put together some detail on the types of fraud and scams out there and how you can protect yourself and your money.

Data Security

We take all issues relating to your data seriously. Find out what we do to protect your data and what you can do to protect yourself.

Secure messaging

We provide a safe and secure method of communication via our Secure Messaging portal so you can discuss account specific information with us.