Family Building Society Mortgages

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Last updated on 15 March 2021.

Family Building Society Mortgages FAQ

What is the Family Building Society?

The Family Building society is a trading name for the wider National Counties Building Society. Founded in 1896, this society has been helping customers look after their money in a secure way, as well as help generations of Brits climb the housing ladder.

What mortgages do the Family Building Society offer?

The Family Building Society offers a wide range of mortgage products to suit customers at various points in their lives.

These can include:

  • First time mortgages
  • Later life lending
  • Owner occupier mortgages
  • Specialist mortgages for expats

What kind of first-time buyer mortgages do the Family Building Society provide?

As is often the case, first-time buyers may be best suited to mortgages with higher loan to value (LTV) ratios. This simply means spending less time saving up on a deposit. For example, the Family Building Society offers first-time buyer mortgages offering LTVs as high as 75-95%.

What is an offset mortgage?

Providers such as the Family Building Society offer offset mortgages to allow first-time buyers to build up savings and use them to reduce - or offset - the amount of money they are expected to pay in mortgage interest. This helps reduce costs, as interest plays an extensive role in determining monthly repayments.

What interest can I expect from a Family Building Society mortgage?

This depends entirely on the type of mortgage product you choose. To help streamline your search, use our Family Building Society mortgage comparison table, and filter products based on interest rates provided. Family Building Society interest rates can be subject to change, depending on the product involved, so make sure to regularly stay up to date using our table, to help make an informed choice.

What are mortgage intermediaries?

When seeking a mortgage to buy a home, you may wish to operate through an intermediary or mortgage broker. The intermediary is responsible for collecting all the necessary paperwork and matching you to the right lender. Family Building Society intermediaries will take your paperwork and pass it onto the society, for underwriting purposes, in a bid to ensure you get approved.

Does the Family Building Society provide buy-to-let mortgages?

Yes, the Family Building Society includes a range of options, if you’re looking to acquire a property in order to generate rental income. You may have to provide information about your financial history or whether you have been refused during mortgage applications in the past.

Is there a Family Building Society mortgage calculator?

If you’re looking to ascertain how affordable a Family Building Society mortgage could be, the official website for the society provides an affordability calculator. This allows you to assess how much you could borrow from them based on income, outgoings and the term length you require. These calculators should only be used as a guide to potentially show what you could be eligible for.

Where can I find Family Building Society reviews?

If you want to make a truly informed decision about taking out a specific mortgage product, you’ll want to know the experience of people in the exact same position as you. On the society’s website, you can find an official rating from Smart Money People.

Services offered by this provider may change over time. Always check Ts&Cs.

NerdWallet has selected Koodoo to provide you with this information-only online comparison service on a non-advised basis. NerdWallet will receive a share of the commission that Koodoo earns from the lender or from our partnered broker, Fluent Mortgages.

Koodoo is the trading name of Mortgage Power Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 845978), and is a registered company in England and Wales (company registration number 10978680), with a registered address at Scale Space, 58 Wood Lane, London, W12 7RZ

Fluent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FRN 458914), and is a registered company in England and Wales (company registration number 10978680), with a registered address at 102 Rivington House, Chorley, New Road, Horwich, Bolton, BL6 5UE