Notices
  • Service update - due to planned essential maintenance our Online Service will be unavailable on Friday 28 January from 18:00 until Saturday 29 January 12:00.

  • Following the Bank of England’s decision to raise the Bank Rate by 0.15% to 0.25% in December 2021, Windfall Bond and Tracker Savings Bond rates increased by 0.15% from 1 January 2022. Tracker mortgages changed from 25 January and we have written to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. We will be considering our other savings and our variable mortgage rates after the Bank of England MPC meeting on 3 February. (Notice updated 19/01/22)

  • Please note that the Premium Saver (5) has now been withdrawn from sale. 
    If you have opened an account, you may add funds until 3pm, 7 February 2022, after this no additions will be allowed.

Moving home with us

As an existing customer looking to move home you can apply to take your current mortgage deal with you.

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

If you already have one of our Family Building Society mortgages and you're looking to move home, then you'll be pleased to hear that you can take your current mortgage with you - this is known as 'porting', transferring your existing mortgage to a new property.

If you port your mortgage, you also have the option to borrow more should you choose to. Any additional borrowing must be taken using a new mortgage from our current range of products available.

Alternatively you can start a new mortgage product, but you may need to pay an early repayment charges which are due on your existing mortgage. See 'Early Repayment Charges' below for further information.

Whichever route is right for you please remember to let us know in good time.

Get in touch

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Exclusive benefit for existing mortgage borrowers

As an exclusive benefit for our existing borrowers, who are moving home and taking out a new owner occupier mortgage with us, you do not have to pay a valuation fee for a property value of up to £500,000 and the valuation fee will be discounted by £330 if your property value is above £500,000. 

After successful completion of the porting application we will also refund the £175 application fee.

Early Repayment Charges

If your existing mortgage product includes an Early Repayment Charge, by changing your mortgage product you will incur this charge. To avoid this, and as long as the property you are moving to meets our standard lending criteria, you can apply to transfer your existing mortgage product terms to a new mortgage on the new property. Provided your sale and purchase take place at the same time, no Early Repayment Charge will be payable.

If you intend to repay part of your existing mortgage when you move please remember to check the terms to establish how much the Early Repayment Charge will be. The charge will only be applied to the amount of the loan repaid.

Looking to borrow more?

If you want to borrow more on your mortgage we have a range of mortgage products available.