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Online Service update. Due to planned essential maintenance, our Online Service will be unavailable from 6pm on Sunday 5 April to midnight on Monday 6 April. We apologise for any inconvenience this may cause.
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IMPORTANT: The last day of the 2025 / 2026 tax year is Sunday 5 April.
Our online and postal ISA applications for this tax year will close from 5pm on Friday 27 March until the morning of Tuesday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.
Our MMR history
Details of our Managed Mortgage Rate (MMR) history.
The Managed Mortgage Rate (MMR) is a type of mortgage interest rate that you are most likely to go onto after your introductory fixed, tracker or discounted deal ends.
We choose what the MMR rate is and it does not track the Bank of England
Bank Rate. Your MMR depends on whether we calculate the interest on your mortgage annually or monthly. The MMR you’ll pay also depends on what type of mortgage you apply for.
The table below details any rate changes that have been
applied to the Family Building Society Managed Mortgage Rates since they were launched.
| Year | Date of Change | Managed Mortgage Rate (variable) | Managed Flexi Mortgage Rate (variable) | Residential Investment Managed Mortgage Rate (variable) |
| 2014 | 14 July | 4.79% | 4.89% | Introduced on 1 December 2016 |
| 2015 | No changes | No changes | No changes | Introduced on 1 December 2016 |
| 2016 | 25 September | 4.54% | 4.64% | Introduced on 1 December 2016 |
| 1 December | No changes | No changes | 5.29% | |
| 2017 | 1 December | No changes | No changes | 5.29% |
| 2018 | 25 September | 5.04% | 5.14% | 5.79% |
| 2020 | 25 April | 4.39% | 4.49% | 5.14% |
| 2022 | 21 March | 4.79% | No changes | 5.54% |
| 2022 | 1 April | No changes | 4.89% | No changes |
| 2022 | 23 July | 5.54% | 5.64% | 6.29% |
| 2022 | 14 November | 6.04% | 6.14% | 6.79% |
| 2023 | 21 January | 6.54% | 6.64% | 7.29% |
| 2023 | 11 March | 7.29% | 7.39% | 8.04% |
| 2023 | 12 July | 7.79% | 7.89% | 8.54% |
| 2023 | 23 September | 8.44% | 8.54% | 9.19% |
| 2024 | 19 September | 8.19% | 8.29% | 8.94% |
| 2025 | 20 January | 7.94% | 8.04% | 8.69% |
| 2025 | 1 October | 7.69% | 7.79% | 8.44% |
| 2026 | 7 February | 7.54% | 7.64% | 8.29% |
Do you need our help?
If you have questions about your mortgage or need our help please contact our friendly Mortgage Service Team