THE FAMILY MORTGAGE
Traditional 95% LTV mortgages can have high interest rates, meaning first time buyers can end up paying more than they need to. What if we said your clients could access rates usually only available with a 75% LTV, but with a 5% deposit? We know that’s not normal. We can combine the whole family’s financial strength to make this happen, allowing family members to deposit savings and/or use equity in their property as security.
Find out more about our Family Mortgage >

LATER LIFE LENDING
When it comes to having a mortgage in retirement, we know a lot of your clients have been previously faced with a ‘computer says no’ response from other lenders. We’re not like that. We don’t let computers make decisions about who we lend a mortgage to. We look at each application individually, don’t have an upper age limit on our mortgages, and offer both interest only and repayment mortgages for those in or approaching retirement.
Find out more about our options for lending into retirement >

RETIREMENT LIFESTYLE BOOSTER
Are your clients retired, mortgage-free, with some savings, but not quite living the retirement they planned? What if we told you that your clients could use the equity they have built up in their home to pay a fixed monthly amount each month for ten years? Plus there’s an option of an initial lump sum. In exchange, they pay the interest every month, until the ten years are up, when they pay back the total loan borrowed. Allowing your clients to have the freedom to do more and make the most of their retirement. Sound appealing?
Find out more about our Retirement Lifestyle Booster >

BUY TO LET OFFSET MORTGAGE
You’re probably well aware of the recent tax changes to your client’s Buy to Let income. If your clients have noticed their income decrease as a result, they may be interested in our Buy to Let Offset Mortgage. By depositing savings in an offset account linked to the mortgage, your clients reduce the amount of interest charged on their mortgage. This can increase their net profit from lending which may increase their overall cashflow.
If you like the sound of this, find out more about our Buy to Let Offset Mortgage >

TO FIND OUT MORE ABOUT OUR RANGE OF MORTGAGES, VISIT:
intermediaries.familybuildingsociety.co.uk
OR CALL: 01372 744155