• Homes for Ukraine - important information can be found here.

  • Monthly savings statements - From May we will be sending future monthly statements of electronic transactions on your savings account by email. More details on how to view your statement and the new process can be found here.

  • Following the Bank of England’s decision to raise the Bank Rate by 0.25% to 1.00% on 5 May 2022, Windfall Bond and Tracker Savings Bond rates will increase by 0.25% from 1 June 2022. We are reviewing our other variable savings rates and will notify customers of any interest rate increase on their account. Tracker mortgages will change on 25 June 2022 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. (Notice updated 06/05/2022)

"We were very impressed from our first contact, through the entire application process"

Real life mortgage case studies

Our case studies show how our mortgage products have helped real life customers. Read their stories.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.


Becoming a homeowner in retirement

After years of privately renting and living with friends, Alicia decided she wanted to become a homeowner again in her retirement.

She hadn’t had a mortgage for six years, but the lease on a private rental she was living in ended abruptly, leaving Alicia wanting the sense of security and belonging that owning a home brings.

“This experience was very discombobulating and unsettling, and I made the decision that I didn’t want to be in this position again.”

Choosing where to re-locate

Alicia eventually decided she wanted to move back to Wales, where she’s originally from. The next steps were to apply for a mortgage and find a property.

“I lived in Welwyn Garden City prior to retirement and decided I wanted to look for an area I wanted to settle in. I visited Norfolk, Cornwall, Wales, and Italy and it frustratingly took a few years to decide on somewhere – I had a lovely time looking though!”

We were able to offer her our 5 Year Fixed Rate Retirement Interest Only (RIO) mortgage.

“I hadn’t heard of this product before I started looking, but I’m glad I did. I think it’s a good option for someone in my position. I tried a few other lenders but their rates weren’t as good.”

Alicia’s mortgage application was accepted, and she found her ideal property in Wales. However, this unfortunately fell through after bats were found in the attic and she decided to pull out and find another property.

Second time lucky

After the disappointment of having to pull out of the property she’d found in Wales, Alicia resumed her search and found a new property in a lovely village in Cornwall. She had the property surveyed and no issues were found.

“One of the most memorable parts to this process was receiving a satisfactory Mundic test on the property. This meant I was able to proceed to purchase, which was a huge relief. Peter Cook, my mortgage advisor, was extremely memorable. He was utterly brilliant throughout what was an incredibly difficult and stressful situation.”

“I’d encourage anyone else looking to relocate in retirement to do it. Take the bull by the horns and go for it.“

“I’d recommend Family Building Society for sure. Throughout this stressful process I was treated with respect and consideration. The information given to me was without jargon and fluff, which helped me make informed decisions."

Are you struggling to get a mortgage in later life?

We've been providing mortgages to those aged 65 or over for many years. Find out more about our unique approach to lending to older borrowers.

Go to later life mortgages


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