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.

  • 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.

  • 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 Upcoming Draw and Prizes

Find out details of the upcoming draw, including the total Prize Fund value and number of prizes on offer

The next prize draw is on 13 February 2026

 


February 2026 - Upcoming Prizes!

In January we had 13,385 qualifying Windfall Bond entries*.

Therefore the number of prizes in February's prize draw are as follows:

LevelPrize valueNumber of prizes
Level A£50,0001
Level B£10,0003
Level C£1,00015
Level D£50016
Level E£10086

This provides a total of 121 prizes for the month of February, worth £111,600.

February's free prize draw is on 13 February 2026.

*Each Windfall Bond requires a £10,000 deposit and details of a nominated bank/building society on record. Newly opened Windfall Bonds qualify for the Monthly Free Prize Draw in the second calendar month after the bond has been opened. for example, a Windfall Bond opened in January would be entered into March's Monthly Free Prize Draw.

Visit the Prize Allocation Method page for further details.

For information on the Windfall Bond's Prize Draw Rules and Terms and Condition, please read the Windfall Bond Product Features leaflet.

Our Windfall Bond Monthly Free Draw takes place on the 10th working day of every calendar month.

The next prize draw is on 13 February 2026

Future dates 

  • 13 March 2026
  • 16 April 2026

Confirmation that the draw has occurred, along with a summary of the prizes available in the upcoming Windfall Bond prize draw, is provided in an email to all customers who have registered their email with us.  The winners are then notified separately.

A list of winners will be available on our website no later than four weeks after each monthly draw takes place.

How winners are notified

Winners of the monthly free prize draw will be notified by us separately using the details held on the relevant Windfall Bond account record by one of the following methods: by email, in writing or by telephone within 10 working days from the date when the monthly draw takes place.

  • If you are a winner of a Level A or a Level B prize, a member of our Family Service Team will contact you to confirm your details, after which the prize money will be paid into your nominated bank account
  • If you are a Level C, D or E prize winner – the prize money will automatically be paid into your nominated account and we will notify you by email or letter.

If you have any questions about the Windfall Bond, please contact us.


Monthly Prize History

See a list of past winners and the number and value of prizes won in 2025.

 

£10,000 Windfall Bond Winner - Case Study

After researching investment options, Mrs. Rushworth chose Family Building Society for its competitive rates. Over the years, she invested in various products and eventually won one of our major prizes!

Windfall Bond winner

Product details

Apply for a Windfall Bond and earn 2.75% annual interest (Gross AER)

See full details

How it works

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

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Frequently asked questions

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

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