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.

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Research reports

Working alongside the London School of Economics and the Resolution Foundation we've produced research reports on a range of topics.

Making better use of existing housing stock

A roundtable with the Royal Institute of British Architects: How to find more homes without building anew.

A call for integrated housing

Working with the London School of Economics, we look at why housing policy is failing.

Intergenerational wealth transfer research

Read about our research into how intergenerational wealth transfers are affecting UK families.

Find out more

Later life borrowing research

Read our research report, written in conjunction with the London School of Economics, which looks into how people are using housing wealth in later life.

Stamp duty research

Our research has revealed that Stamp Duty Land Tax is suffocating the housing market. A real change is needed.

Stamp duty holiday research

Our latest research report looks into the impact of the stamp duty holiday, that was introduced by the Government in July 2020. This academic study investigates the affects on the UK housing market and the UK economy in general.

The Generation Divide

Read about the research we undertook to understanding how the millennial generation approach important life events and how they set out to find the answers.

Find out more