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As an existing borrower with the Family Building Society, when you move home you can select a mortgage from our current range of mortgages or take your current mortgage with you - this is known as 'porting'. If you port your mortgage, any additional borrowing must be taken using a mortgage from our current range of products for existing mortgage customers.

As you already have a mortgage with us the application process should be quick and our team will be happy to answer any queries you may have along the way.

**Existing Borrower Mortgage Saving**

As an exclusive benefit for our existing borrowers, who are moving home and taking out a new owner occupier mortgage on their main residence, we will refund our standard application fee, up to a maximum of £535.

Early Repayment Charges

If your existing mortgage product includes an Early Repayment Charge, by changing your mortgage product you will incur this charge. To avoid this, and as long as the property you are moving to meets our standard lending criteria, you can apply to transfer your existing mortgage product terms to a new mortgage on the new property. Provided your sale and purchase take place at the same time, no Early Repayment Charge will be payable.

If you intend to repay part of your existing mortgage when you move please remember to check the terms to establish how much the Early Repayment Charge will be. The charge will only be applied to the amount of the loan repaid.

Alternatively, if you require a larger loan than you have at the moment you can select a new product from those currently available for property purchase for the additional borrowing you need.

                                    
OWNER OCCUPIER 
                    
      BUY TO LET       
                                     


Whichever route is right for you please remember to apply for your new mortgage in good time.

Do you need our help?

You can contact our New Business Team on 03330 140140 to arrange an appointment if you are in a position to apply or require advice, alternatively our customer representative may be able to answer any queries you might have. We're open Monday to Thursday: 8am to 6pm, Friday: 8am to 5.30pm and Saturday: 9am to noon.

If you would like us to contact you at a time of your choice, please complete our call back request form.

THE MORTGAGE WILL BE SECURED ON YOUR HOME
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Family Building Society
Ebbisham House
30 Church Street
Epsom
Surrey KT17 4NL
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