We have seen an increasing level of enquiries on our BTL proposition and thought I would give a quick reminder about our key USP’s for BTL cases and also attached our minimum submission requirements for ease.
If you have any case queries, please do get in touch and I would be happy to go through it with you .
General USP’s for all cases
- Portfolio Landlords considered
- No background portfolio “stress”. If the portfolio is self-financing i.e. more rent coming in that mortgage payments going out, we can look to consider. No 130/145% etc stress applied on the rest of the portfolio
- No minimum income requirement
- No limit on portfolio size/aggregate debt with other lenders
- MUFB’s considered for converted houses
Ltd Co
- New 3% fee product launched
- Up to 8 directors accepted
- No PG’s? No problem subject to 65% LTV max
- Small HMO’s considered
- Intercompany Loans Considered
- Purchase from Personal to Ltd with Gifted equity considered
ExPAT’s
- Over 40 Countries considered including Europe and Australia, full list available on our intermediary website.
- Client can be employed/Self Emp/Retired in the majority of countries too.
With over 95% of our business coming from you, our intermediaries we’d love your feedback!
We would be delighted if you could complete our Broker Survey to be in with a chance to win £250*. Plus we’ll donate £2 to our local Citizens Advice organisation for every entry!
Our broker survey is in conjunction with Smart Money People, the UK’s number one review and insight platform for financial services. Your feedback is important as it can help us improve our intermediary proposition and shape how we do business with you in the future. Your feedback is important as it can help us improve our intermediary proposition and shape how we do business with you in the future.
Each completed survey will be entered into a free prize draw for a chance to win £250* and we’ll donate £2 to Citizens Advice Epsom and Ewell for every response received.
The survey will be closed at 5pm on Friday 20 June 2025 and we’ll notify the winner by Friday 27 June 2025.
* Prize draw terms and conditions
- The closing date is 20 June 2025 at 5pm.
- Only one entry per person.
- No purchase necessary.
- Prize draws and competitions are only open to UK residents aged 18 years or over.
- Employees of Family Building Society and their families are ineligible to enter.
- The prize draw is £250 which can be paid by transfer to your bank account or by cheque.
- The winner will be drawn randomly using a secure computer-based program under independent supervision. The judge
will oversee the draw and the judge’s decision is final.
- Our website will be updated to confirm the draw has taken place no later than 10 July 2025. We will not publish the
winner’s name to maintain their anonymity.
In these terms and conditions “we”, “us” and “our” refer to Family Building Society. By entering this prize draw entrants
agree to be bound by these terms and conditions.
Nathan Waller
Business Development Manager
M: 07387040895