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

Windfall Bond

Our Windfall Bond account earns you interest and entry into a monthly free prize draw with a chance to win between £100 and £50,000.

See full details

Open a Windfall Bond account with us today!

Current annual interest (AER gross): 2.75%

35 day notice savings account

The Windfall Bond is a unique savings account, quite unlike any other. It allows you to keep your capital secure and accessible*, earns you interest and entry into a monthly free prize draw for the chance to win up to £50,000.

See full product details and apply

Upcoming prize draw and prizes!

Find out how many prizes are on offer at the next prize draw

and upcoming draw dates

Find out!

How it works

Find out how the Windfall Bond works, the monthly free draw rules and your chances of winning.

Windfall Bond Prize allocation

The number of prizes entered into the Monthly Free Prize Draw will vary each month. Find details of the prize allocation method we use

Find out more

Frequently asked questions

Answers to the most common questions asked by our members about the Windfall Bond.

Do you need our help?

If you have any questions about the Windfall Bond, please contact our New Business Team

Get in touch

* Eligible deposits held with Family Building Society are protected up to a total of £120,000 by the FSCS. Windfall Bond funds are accessible without access charge by account closure after 35 days' notice.

All our savings accounts are FSCS protected.