Notices

Friday 19 December - We are aware of an issue that has affected customers who have made a withdrawal via our Online Service in the last week. Our automated confirmation emails were delayed and have now been sent today. We apologise for any inconvenience caused.
Friday 19 December: We are currently experiencing issues with our secure messaging facility on our Online Service. If you still need our help, you can contact us by email (mortgage.service@familybsoc.co.uk or savings.service@familybsoc.co.uk) or call us on 03330 140144. We apologise for any inconvenience caused.
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.
View our Christmas opening hours and information on bank transfer processing times over the Christmas period.

Affordability calculator

See how much you could borrow with our fixed rate, discounted rate or family-assisted mortgages.

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

Whether you’re a first-time buyer or moving home, our quick and easy to use mortgage affordability calculator gives you a quick estimate of how much you might be able to borrow for your next home.

Taking into account your income, outgoings and how long you want to have the mortgage for, our calculator helps to give you a clearer idea of your mortgage borrowing potential.

This calculator is for illustrative purposes only. It is not a mortgage offer or guarantee of receiving a mortgage offer.

We have a separate calculator if you want to see how much you can borrow for a Buy to Let mortgage.

Any questions?

If you have any questions or would like to speak to one of our friendly mortgage advice team about your options:

Call us on 03330 140146 Ask us to call back Email us

All fields marked '*' are required

Mortgage information

How many are applying for the mortgage? *

What mortgage term would you like? * (years)

Financial dependants aged under 14 in the property *

Financial dependants aged between 14 and 18 in the property *

What type of mortgage do you want? *

What fixed rate term would you like? * (years)

Where are you buying your property? *

Applicant 1 information

Earnings

Are you of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 2 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 3 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 4 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Need more information?

We’ve created a range of mortgage guides that can give you helpful information about how mortgages work and things to consider. Our guides cover what you need to know if you're a first time buyer up to a last time buyer.

Read our mortgage guides