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When are you unable to provide a mortgage?

We pride ourselves on our flexibility and individual approach to our underwriting. However, there are a few occasions when it’s not possible to consider an applicant:

  • Repayment of tax or gambling debts
  • Borrowers who have impaired credit
  • Borrowers who have utilised ‘payday’ lenders
  • Borrowers seeking to consolidate over five credit cards
  • Borrowers seeking to consolidate debts accumulated with sub-prime or non-mainstream mortgage lenders or non-mainstream credit card providers
  • Borrowers seeking to raise capital for debt consolidation for more than 20% of the property value, or where the main purpose of the loan is debt consolidation i.e. where more than 49% of the monies being raised are to consolidate existing debts.
                      
Family Building Society
Ebbisham House
30 Church Street
Epsom
Surrey KT17 4NL
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