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.
The Bank of England Base Rate decreased by 0.25% to 3.75% on 18 December 2025. Read more about our rate changes

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.
Important changes to our mortgage products - Find out more.

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

Later life borrowing, Family-assisted mortgages

Mortgages for all

We want to help any generation get on the property ladder, from the first time buyer to the last time buyer.

Compare all Owner Occupier mortgages

Compare all Buy to Let mortgages

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

Why choose Family Building Society?

A personal and common sense approach to lending

Over 65? No problem. We don't judge based on age

A range of mortgages for landlords & the self employed

Tailored credit checks rather than credit scoring

Specialist mortgages tailored to first time buyers

Expat mortgages for UK nationals

Know what type of mortgage you need?

We have a variety of mortgage options and many of our products also have their own mortgage calculators. Our products also often cater for specialist criteria.