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Here you will find a summary of our current owner occupier products available for Remortgage.

Product details should be read in conjunction with our 'Getting a Mortgage: what you need to know' guide and our lending criteria. If you would like to find out how much you may be able to borrow, try our mortgage affordability calculator.

Please call us on 03330 140140 to arrange an appointment should you be 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 Friday: 8am to 5.30pm and Saturday: 9am to 12pm.

Alternatively if you would like us to contact you at a time of your choice please complete the call back request form.

Go to Fixed Rate Mortgages
Go to Discounted Rate Mortgages
Go to Base Rate Tracker Mortgages 

 

FIXED RATE

Product
name
Initial interest
rate
Followed
by our
MMR* currently
The overall
cost for comparison
is
Minimum interest
rate payable
Early repayment charges Fees   Maximum LTV** Futher details
Capital and Interest Repayment
2 year fixed
rate until 28/02/2021
2.49% 4.79% ^ 4.3% APRC No Yes Yes 80% Click here
3 year fixed
rate until 31/01/2022
2.79% 4.79% ^ 3.9% APRC No Yes Yes 80% Click here
5 year fixed
rate until 31/01/2024
2.99% 4.79% ^ 4.0% APRC No Yes Yes 80% Click here

5 year fixed
rate until 31/01/2024*

3.19% 4.79% ^ 3.9% APRC No Yes Yes 80% Click here

*The maximum loan amount for the above mortgage is £500,000.

The above mortgages must be completed by 01/02/2019. A cashback of £250 is payable on completion of the mortgage.

Representative example:
A mortgage of £120,000.00 payable over 14 years initially on a fixed rate for 2 years at 2.49% and then on our variable Managed Mortgage Rate, currently 4.79%, for the remaining 12 years would require 30 monthly payments of £846.74 and 138 monthly payments of £957.57, plus one initial interest payment of £254.30.
The total amount payable would be £159,075.16 made up of the loan amount plus interest of £37,801.16 and an application fee of £175, a product fee of £999 and a mortgage exit fee of £100.
The overall cost for comparison is 4.3% APRC representative.

DISCOUNTED VARIABLE RATE

Product
name
Initial interest
rate
Followed
by our
MMR* currently
The overall
cost for comparison
is
Minimum interest
rate
payable
Early repayment charges Fees   Maximum LTV** Futher details
Capital and Interest Repayment
3 year 2.40% discount 2.39% 4.79% ^ 3.8% APRC 2.19% Yes Yes 80% Click here
5 year 2.25% discount 2.54% 4.79% ^ 3.6% APRC 2.34% Yes Yes 80% Click here
5 year 2.05% discount 2.74% 4.79% ^ 3.4% APRC 2.54% Yes  Yes 80% Click here

A cashback of £250 is payable on completion of the mortgage.

Representative example:
A mortgage of £135,000.00 payable over 10 years on a discounted variable rate for 3 years at 2.40% below our variable Managed Mortgage Rate and then on our variable Managed Mortgage Rate, currently 4.79%, would require 35 monthly payments of £1,265.90 and 85 monthly payments of £1,372.96 plus one initial interest payment of £274.57.
The total amount payable would be £162,556.67 made up of the loan amount plus interest £26,282.67 and an application fee of £175, a product fee of £999 and a mortgage exit fee of £100.
The overall cost for comparison is 3.8% APRC representative.

Product
name
Initial interest
rate
Followed
by our
MMR* currently
The overall
cost for comparison
is
Minimum interest
rate
payable
Early repayment charges Fees   Maximum LTV** Futher details
Interest Only
3 year 1.90% discount 2.89% 4.79% ^ 4.4% APRC 2.69% Yes Yes 80% Click here
5 year 1.75% discount 3.04% 4.79% ^ 4.2% APRC 2.84% Yes Yes 80% Click here
5 year 1.55% discount 3.24% 4.79% ^ 4.1% APRC 3.04% Yes Yes 80% Click here
A cashback of £250 is payable on completion of the mortgage.

Representative example:
A mortgage of £135,000.00 payable over 10 years on a discounted variable rate for 3 years at 1.90% below our variable Managed Mortgage Rate and then on our variable Managed Mortgage Rate, currently 4.79%, would require 35 monthly payments of £325.13 and 85 monthly payments of £538.73 plus one initial interest payment of £332.15.
The total amount payable would be £193,777.75 made up of the loan amount plus interest £57,503.75 and an application fee of £175, a product fee of £999 and a mortgage exit fee of £100.
The overall cost for comparison is 4.4% APRC representative.


BASE RATE TRACKER

Product name  Initial interest rate Followed by our MMR* currently The overall cost for comparison is Minimum interest rate payable Early repayment charges Fees Maximum LTV** Further details
Capital and Interest Repayment
BRT +1.99% for 3 years 2.49%* 4.79% ^ 3.9% APRC 2.29% Yes Yes 80% Click here

A cashback of £250 is payable on completion of the mortgage.
*Please note, the initial rate of interest will increase with effect from 25 September 2018 following the increase in the Bank of England Bank Rate announced on 2 August 2018.

Representative example:
A mortgage of £164,800.00 payable over 10 years initially on our tracker rate for 3 years at 1.99% above the Bank of England Bank Rate and then on our variable Managed Mortgage Rate, currently 4.79%, for the remaining 7 years would require 35 monthly payments of £1,552.82 and 85 monthly payments of £1,678.22, plus one initial interest payment of £349.23.
The total amount payable would be £198,695.63 made up of the loan amount plus interest £32,546.63 and an application fee of £250, a product fee of £999 and a mortgage exit fee of £100.
The overall cost for comparison is 3.9% APRC representative.


Product name  Initial interest rate Followed by our MMR* currently The overall cost for comparison is Minimum interest rate payable Early repayment charges Fees Maximum LTV** Further details
Interest Only
BRT +2.49% for 3 years 2.99%* 4.79% ^ 4.4% APRC 2.79% Yes Yes 80% Click here

A cashback of £250 is payable on completion of the mortgage.
*Please note, the initial rate of interest will increase with effect from 25 September 2018 following the increase in the Bank of England Bank Rate announced on 2 August 2018.

Representative example:
A mortgage of £164,800.00 payable over 10 years initially on our tracker rate for 3 years at 2.49% above the Bank of England Bank Rate and then on our variable Managed Mortgage Rate, currently 4.79%, for the remaining 7 years would require 35 monthly payments of £410.63 and 85 monthly payments of £657.64, plus one initial interest payment of £419.53.
The total amount payable would be £236,839.98 made up of the loan amount plus interest £70,690.98 and an application fee of £250, a product fee of £999 and a mortgage exit fee of £100.
The overall cost for comparison is 4.4% APRC representative.

What is a representative example?
This is an illustration of a typical mortgage and its total cost.

FOOTNOTES

* MMR stands for our variable Managed Mortgage Rate.

** LTV stands for Loan to Value.

^ Please note, our Managed Mortgage Rate will be increasing by 0.25% on 25th September.

Do you need our help?

Please call us on 03330 140140 to arrange an appointment should you be 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 Friday: 8am to 5.30pm and Saturday: 9am to 12pm.

Alternatively if you would like us to contact you at a time of your choice please complete the 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

All of these mortgage products have limited funds and may be withdrawn at any time. Our mortgages are available to applicants aged 18 and over for properties in England or Wales.



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