• 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)

Mortgage charges & application fees

A breakdown of our mortgage charges and application fees

Mortgage charges

During the life of your mortgage with the Family Building Society there are some fees and charges which may be incurred.

This list below does not include standard initial charges associated with a mortgage (e.g. completion fees and/or early repayment charges) - these will be outlined in the specific product literature. Should an instance arise with a charge which is not included in this list, you will be advised in advance.

If we make any changes to our mortgage charges, we will let you know as part of your annual mortgage statement mailing.

Need any help with a mortgage application? We offer a free Mortgage Advice Service where we can help recommend which of our mortgage products might best suit your needs.

Change of parties administration fee (exclusive of legal cost) £125
Certificate of title / proof of ownership £30
Change of term fee £60
Consent to let a mortgaged property fee £100
Duplicate statement fee (original supplied at no charge) £15
Further advance processing (inclusive of revaluation) £125
Further advance legal work (exclusive of disbursements e.g search fees) £100
List of account transactions £15
Giving you a reference £60
Option Sale agreement approval (exclusive of legal costs) £125
Product fee (where applicable) various
Change of repayment method / product transfer of mortgage fee (exclusive of legal costs) £75
Reinspection / revaluation of mortgaged property fee £80
Valuation / revaluation of mortgaged property variable
Second charge registration fee £30
Certificate of interest paid fee (per tax year) £15
Funds transfer fee £30
Lifetime Mortgage Facility renewal fee £99
Additional Redemption Statement in the same month (initial statement free) £20


Deeds / Redemption related charges


Request for legal documentation fee

from £24

Deeds production / Release fee


Letter of no further interest


Mortgage Exit Fee


Arrears related administration charges


Administration charge for checking and signing Witness Statement


Broken arrangement fee


Non Standard arrears letter fee


Payment of leasehold arrears


Preparation of Pre-action Protocol Checklist / Witness Statement


Unpaid / returned direct debit or cheque, or other unpaid receipt


Warrant for possession


Taking property into possession


Agents instruction fee for attendance at possession

from £295

Arrears counselling services

from £90

Arrears related legal charges


Attendance at court hearing

from £100

Adjournment of hearing


Witness Statement and instruction of agents to attend court hearing


Application for possession warrant


Conveyancing fee for sale

from £250

Issue of summons for possession


Non standard letter


Notice to occupiers, tenants and local authority


Pre-action letter


Re-instatement of hearing


Re-issue of warrant


Reply to application to suspend warrant


Reply to defence / special Witness Statement

from £100

Supplemental Witness Statement


Distribution of surplus sale proceeds

from £100

Arrears related disbursements


Court fee for interim application

from £50

Court fee for summons for possession

£325 - £355

Court fee for warrant for possession


Miscellaneous court fees

from £50

Miscellaneous sales expenses (e.g. agents fees, clearance fee)


Miscellaneous search fees

up to £50

Miscellaneous agents fees (e.g. to attend hearing)


Application Fees

The application fee includes £175 to process the application and a valuation fee.

The valuation fee is based on the greater of the purchase price or value of the property. The application fee is payable on application and is non-refundable.

  • For our Owner Occupier products we offer a free valuation for property values up to £500,000. For property values above £500,000 a discount of £330 applies.

  • For our Buy to Let products the valuation fee is payable.


Here is a full list of of our application fees for both our Owner Occupier and Buy To Let products:


Residential value

Owner Occupier - purchase and remortgage

(includes all non-expat Buy to Let remortgage applications and Limited Company Buy to Let)

Buy to Let - purchase

(includes expat remortgage applications)

£100,001 - £200,000



£200,001 - £300,000



£300,001 - £400,000



£400,001 - £500,000



£500,001 - £600,000



£600,001 - £700,000



£700,001 - £800,000



£800,001 - £900,000



£900,001 - £1,000,000



£1,000,001 - £1,250,000



£1,250,001 - £1,500,000



£1,500,001 - £1,750,000



£1,750,001 - £2,000,000



£2,000,001 - £2,500,000



£2,500,001 - £3,000,000



£3,000,001 - £3,500,000



£3,500,001 - £4,000,000



£4,000,001 - £4,500,000



£4,500,001 - £5,000,000



Our lending criteria

Find out details of how much we may be able to lend, for how long and the types of property we will lend on.

Mortgage Advice Service

If you're looking for a mortgage and would like some help with the application process, why not give us a call and try our free service.