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At the Family Building Society we have two ranges of mortgages available for first time buyers.


The Family Mortgage - 95% LTV

Our Family Mortgage allows you to combine a 5% deposit (saved or gifted) with help from family members, to get on the housing ladder. It's a 95% LTV mortgage for first time buyers, but with a lower initial rate than you would normally see for a mortgage with a 5% deposit.

Help can come in the form of savings or family members can use the equity in their own property to contribute.

If you have more than a 5% deposit saved, that's ok. A 5% deposit is only our minimum. This means if you have a 10% deposit, you can still use the Family Mortgage, and instead your family members will need to offer you less help.

First time buyer mortgages - 80% LTV

Alternatively, if you have at least a 20% deposit saved, we have a range of fixed and discount rate mortgages available which are suitable for first time buyers.

What next?

If you want to see how much you could borrow, try our affordability calculator

Once you think you're ready to apply, we have a team of in-house mortgage advisers who can go through the whole process with you from start to finish.

First time buyer help

Trust us when we say there are no silly questions when it comes to buying your first home. And we've heard pretty much all the questions there are to ask before. If you have any questions about our mortgages, or around the process of getting your first mortgage and buying a home, give our friendly team a call and they will be more than happy to help.
We've also created a whole section on our knowledge hub filled with information about what you need to know when buying a home.        
Call Us On
03330 140 140

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.



Are you getting help from family members to get your mortgage?

How to run the Bank of Mum and Dad

Read more about the Bank of Mum and Dad and how it really works.


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