01372 744155
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Mortgage Desk, Family Building Society, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL
Please call 03300 243407 to find your local Business Development Manager

Family Building Society

Created for the way we live today.

Every family, whatever shape or size, is different. Whether it’s helping first time buyers or planning finances for later life, Family Building Society want to help achieve the things that matter most to your client. They are committed to delivering innovative solutions that make the most of your client’s circumstances, and offer a more personal approach to mortgages.

They aim to be the first choice provider of mortgage solutions to modern families, helping every generation to own a home.

As well as lending, they have partnered with some trusted providers in the fields of financial planning, moving home, Inheritance Tax and estate administration, for example, so that whatever your client’s particular need, help is at hand.

Key Features Video Tools & Calculators

Paid by PMS

For details of when your proc fee will be paid, please click on the button below.

Paid by PMS

Proc Fees

Product	Gross	Net
Owner Occupier (excluding Offset and Family Mortgages)	0.42% £189 Min	0.40%
Owner Occupier Offset Mortgages (excluding Family Mortgages)	0.52% £234 Min	0.50%
Buy to Let mortgages	0.52% £234 Min	0.50%
Family Mortgages	0.57% £256.50 Min	0.55%
Porting products	0.15%	0.14%
Further Advance	0.27%	0.25%

Proc fees - when your proc fee will be paid

Product Type	When does the lender pay PMS?	Frequency
All	7 working days after completion.	Daily.

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.

Key Features

Manual underwriting and can often help when high street lenders can't.
Will lend up to age 95 and take into account earned income up to age of 70.

Family assistance mortgages including our Family Mortgage and JMSO.
Will lend to the self employed, expats and many others.

Overview

Post Code Restrictions:

We only lend on properties in England or Wales including to expats living in over 40 countries including the USA, Hong Kong and Canada. We also lend to UK nationals working abroad, along with UK nationals and foreign nationals working in the UK but paid in a foreign currency.

Register

Register to place business with Family Building Society:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.

The Family Building Society are focused on delivering innovative and flexible mortgage products to meet the needs of the modern family across all generations and individuals not well served by the mass market. They appreciate that ‘one size does not fit all’ when it comes to mortgages so they provide mortgages that work for everyone.

First time buyers / family support:

Family Building Society offers a range of mortgages from traditional fixed and variable rate to innovate mortgages for those who need some extra help getting on the property ladder.

The Family Mortgage – their award winning 95% LTV Family Mortgage gives families the flexibility to combine their property and savings as security for a borrower's mortgage.

Joint Mortgage Sole Owner (JMSO) arrangements - a great solution for young borrowers and parents who want help to increase their borrowing capacity.

Later life lending:

Family offer generous mortgage terms for people approaching or in retirement. They take into account earned income up to the age of 70 and other sources of income beyond that such as pension, investment and rental income. They also recognise that many retired clients reach a point in their life when they wish to make the most of money tied up in their home to enjoy life's luxuries. The Retirement Lifestyle Booster mortgage is a real alternative to equity release. It is a 10 year interest-only standard mortgage that gives your clients regular monthly advances and an optional initial lump sum.

Landlords:

If your client is looking to invest in property or remortgage their Buy to Let property, Family Building Society offers a range of fixed or variable rate mortgages. Alternatively, if your Buy to Let client wants to make more of their savings and reduce the interest they're charged, the Offset Buy to Let Mortgages may be of interest. They also offer Buy to Let mortgages on the following arrangements:
• Limited Companies
• Expats

Expats

Family can accept mortgages from Expats living in over 40 countries including the USA, Hong Kong and Canada. They lend to UK nationals working abroad, along with UK nationals and foreign nationals working in the UK but paid in a foreign currency.

Self employed

Family Building Society offers mortgages to sole traders, Ltd Company Directors and partnerships. They assess self-employed applicants on their individual merits, taking a sensible view on their income.