Terms of Access

Notices

Savings customers - the interest rates on many of our variable rate savings products will be decreasing from 6 January 2025. Find out more

We will be emailing or writing to you shortly to let you know of how these decreases affect you. In the meantime, you can see all of these changes here.
Mortgage customers - our Managed Mortgage Rate (MMR) will decrease by 0.25% from 20 January 2025. Find out more:

From 20 January 2025, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.25%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.
We will be writing to existing customers who have been impacted by this change, shortly, with details relevant to them.
View our Christmas opening hours here. For information on bank transfer processing times over the Christmas period please click here.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 4.75% on 7 November 2024. Find out more

Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 December 2024. We will be writing to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 December 2024 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.
(Notice updated 08/11)

This website has been produced to comply with the laws applicable to the United Kingdom of Great Britain and Northern Ireland and has been designed for use by individuals owning property in England and Wales and UK investors. Therefore, if you are accessing this site from outside the United Kingdom the information on this site is provided for information purposes only and must not be read or distributed outside the United Kingdom as if it were an advertisement or offer.
By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our site. We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.
Nothing contained in this website is an offer, promise or otherwise to make a specific loan. All mortgage related decisions are made by the management of Family Building Society upon receipt of a completed application form and any resultant offer will be made in writing in a formal Mortgage Offer.
If you choose to contact Family Building Society via the Internet you should be aware that you do so at your own risk and that Family Building Society accepts no liability or responsibility for any unauthorised interception and/or use of such information by a third party.
Whilst we will use our best endeavours to ensure that the information on this website is accurate and up to date we do not guarantee, represent or warrant that this is the case. We also reserve the right to vary and/or withdraw any of our products or services without prior notice.
Family Building Society does not guarantee, represent or warrant that:
1. any functions contained in the information, materials, products (including software) and services listed or otherwise contained in or available from this website will be uninterrupted or error free nor that any errors will be corrected immediately.
2. that this site and the server that makes it available are free of viruses or other harmful elements. You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.
3. where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
Access and use of this website is at your own risk. Family Building Society accepts no liability for any damage, whether direct, indirect, consequential or incidental, arising from the use, misuse or inability to use this website by you or by any third party.
Copyright or other intellectual property rights protect the content and layout of this Site. You may print off copies of calculations or product information for you own personal use. You may not copy, use or print off any material for any commercial, illegal or immoral purpose and you must not alter, amend or copy them, make any derivative works from them nor remove or obscure any logos, names or other proprietary or intellectual property marks showing ownership by us or any third party.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us.
We can transfer our rights duties and responsibilities set out in these terms and conditions to another party. Any party that we make such a transfer to will be subject to the same duties and obligations under these terms and conditions as we are.
If any of the clauses of these terms and conditions is found to be legally invalid, it will be deleted. This agreement shall continue to bind the parties if it is capable of continuing in existence without the unfair term.

These terms of access and use shall be governed by the laws of England and Wales (exclusive of their conflict of law provisions).