Criteria A-Z

As we manually underwrite our mortgages we're much more flexible with our criteria than most. Using our common sense approach (and our ears!) means we can cater for a wide spectrum of solutions for your clients, no matter their circumstances.

Browse criteria by A-Z below or search criteria by keyword to find what you need.

Owner Occupier Criteria

Buy to Let Criteria

Energy Performance Rating (EPC) rating 'F' or 'G'

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially offer Buy to Let mortgages on properties that have an EPC rating of 'F' or 'G'

Our policy notes:

Family Building Society will not offer Buy to Let mortgages on properties that have an EPC rating of 'F or 'G'.

Last updated:

07 November 2019

Check affordability Contact your BDM Illustration request

Escalating Ground Rents

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially lend on Buy to Let applications for leasehold properties that have an escalating ground rent clause.

Our policy notes:

Family Building Society will not lend on leasehold properties where an escalating ground rent clause exists.

Last updated:

07 November 2019

Check affordability Contact your BDM Illustration request

Estate Rentcharges

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can potentially lend on Buy to Let applications for freehold properties where 'Estate Rent Charge' clauses exist.

Our policy notes:

Family Building Society will not lend on freehold properties where exists any estate charge obligations against the purchaser.

Last updated:

07 November 2019

Check affordability Contact your BDM Illustration request

EU Nationals with a ‘pre-settled status’

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially consider buy to let applications from EU Nationals with a ‘pre-settled status’ under the EU Settlement Scheme

Our policy notes:

Family Building Society can potentially lend to EU Nationals with a ‘pre-settled status’ under the EU Settlement Scheme

Last updated:

02 August 2021

Check affordability Contact your BDM Illustration request

EU Nationals with a ‘settled status’

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially consider buy to let applications from EU Nationals with a ‘settled status’ under the EU Settlement Scheme

Our policy notes:

Family Building Society can potentially lend to EU Nationals with a ‘settled status’ under the EU Settlement Scheme

Last updated:

02 August 2021

Check affordability Contact your BDM Illustration request

Ex MOD properties

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can consider lending on an ex MOD property on a buy to let application.

Our policy notes:

Family Building Society can potentially consider an application on an ex MOD property

Last updated:

15 January 2021

Check affordability Contact your BDM Illustration request

Expat Buy to Let

Our standard acceptability

Acceptable

Criteria definition:

Indicates if we can potentially consider Buy to Let applications from expats.

Our policy notes:

We can accept applications from expatriates from a restricted list of countries, as follows:

Austria, Belgium, Bulgaria, Canada, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Ireland, Israel, Italy, Japan, Kingdom of the Netherlands (The Netherlands, Aruba, Curacao, Saint Maarten), Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, New Zealand, Norway, Poland, Portugal, Romania, Singapore, Slovak Republic, Slovenia, South Korea, Spain, Sweden, Switzerland, United Kingdom (including UK Crown Dependencies), and United States.

A note for our packager partners

In addition, the Society has agreed on a policy through our packager partners for lending to ex-pats in Bahrain, China, India, Monaco, Oman, Kuwait, Qatar and Saudi Arabia on an exceptional basis.,

Plus China, India, Monaco, & Oman will be subject to the additional requirements below:

•The monthly mortgage payments should be made from a UK bank account from where any rental payments are received.

•Any deposit monies are paid from or evidenced as held within a UK bank account

•Applicants must be working for recognised large organisations that have a UK presence.

Last updated:

22 November 2023

Check affordability Contact your BDM Illustration request

ExPat Deposit source non-UK

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can accept deposits that have originated outside of the European Economic Area (EEA) as an acceptable source of deposit for Expat Buy to Let applications.

Our policy notes:

Family Building Society will not consider expat applications where the source of deposit does not originate from the UK.

Last updated:

07 November 2019

Check affordability Contact your BDM Illustration request

Expat minimum income

Our standard acceptability

No Minimum

Criteria definition:

Indicates if we have a minimum income requirement when assessing expat applications and if so what is it

Our policy notes:

Family Building Society has no minimum income.

Last updated:

06 November 2018

Check affordability Contact your BDM Illustration request

Expat Regulated Buy to Let (Let to Family Member)

Our standard acceptability

Not Acceptable

Criteria definition:

Indicates if we can consider expat buy to let applications where the intention is to Let to a family member

Our policy notes:

Family Building Society does not accept Buy to Let mortgages from Expat applicants where the property will be Let to Family Member(s)

Last updated:

31 January 2018

Check affordability Contact your BDM Illustration request

Expat UK Credit Profile Required

Our standard acceptability

Criteria definition:

Indicates if we require expats to have a UK credit profile

Our policy notes:

Family Building Society does not require 'Expat' applicants to have a UK credit profile

Last updated:

11 December 2019

Check affordability Contact your BDM Illustration request

Expat: Holiday Lets

Our standard acceptability

We do not accept Expat Buy to Let applications

Criteria definition:

Indicates if we can potentially consider applications from expat borrowers that wish to Let the property on a Holiday Let basis.

Our policy notes:

Family Building Society will not consider 'Holiday Lets' on an expat Buy to Let basis.

Last updated:

19 March 2021

Check affordability Contact your BDM Illustration request

Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.

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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services from pensions and investments to mortgages. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.

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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.

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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.

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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.

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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.

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Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.

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Your Local BDM:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East and West Midlands as well as the Southwest. Contact Darren for help with your clients' mortgages.

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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.

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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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