Family Building Society: Savings, Mortgages & Account Guide

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Independent UK Family Building Society Guide

Family Building Society: Savings, Mortgages & Account Guide

People searching for Family Building Society are usually trying to do something practical: compare a savings account, log in to the Online Service, move a Cash ISA, understand the Windfall Bond, find a mortgage that uses family support, manage an existing mortgage or speak to the correct Epsom-based team.

Family Building Society is unusual because its name describes much of its approach. Alongside ordinary savings and mortgages, it offers products built around intergenerational help, later-life borrowing and circumstances that may need more individual assessment than a simple high-street application.

Open Official Online Service Compare Official Savings Explore Official Mortgages
Independent website and security notice: Building-society.org is not Family Building Society or National Counties Building Society. This website cannot view your balance, make a withdrawal, change a nominated bank account, unlock the Online Service, change your mortgage or approve borrowing. Never enter your password, memorable information, activation code, verification code, one-time passcode or complete account details on this page.

Meaningful editorial review: 18 September 2026. Savings rates, mortgage rates, account issues and product availability can change quickly. Current-rate examples below are clearly dated and should be checked again on the official website immediately before applying or moving money.

Family Building Society: Quick Answers

What it is Family Building Society is a trading name of National Counties Building Society and operates as part of the same mutual society.
Family brand launched 14 July 2014, with a focus on financial needs that often involve more than one generation of a family.
Society roots National Counties traces its history to 1896. Family Building Society became the Group’s lead brand in December 2016.
Membership The Society describes itself as a mutual owned and run for the benefit of its savings and mortgage members.
Regulation National Counties Building Society Financial Services Register reference: 206080.
FSCS protection Eligible deposits are currently protected up to £120,000 per eligible person across Family Building Society and National Counties Building Society combined.
Epsom branch Ashley Square, Epsom, Surrey, KT18 5DD.
Online support 03300 243406 for help with the Family Building Society Online Service.
Important distinction: Family Building Society and National Counties Building Society are not separate deposit-protection licences for the standard FSCS limit. Add eligible savings held under both brands together when checking how much of your money falls within the standard protection limit.

What Do You Need From Family Building Society?

Start with the job you need to complete. Savings, mortgage applications, existing mortgage servicing and Online Service problems have different routes and telephone teams.

Account access Log in or fix Online Service access

Use the official login/register page and the dedicated Online Support Team if you are locked out.

Open account-access guidance
Savings Compare accounts and current rates

Choose according to access, notice, ISA treatment and online-management needs rather than AER alone.

Compare savings structures
Cash ISA Open or transfer tax-free savings

Family Building Society has specific transfer rules, including restrictions on current-year partial transfers.

Read the ISA transfer route
Home buying Explore a new mortgage

The range includes ordinary owner-occupier borrowing plus family-assisted and specialist routes.

Open mortgage guidance
Family assistance Help someone buy without simply gifting cash

The Family Mortgage can use qualifying family savings or property security, subject to lending criteria.

See Family Mortgage details
Existing customer Manage savings or a mortgage

Use the existing-customer contact numbers rather than a new-business enquiry route.

See existing-customer routes

What Family Building Society Is — and Its Link to National Counties

Family Building Society is a trading name of National Counties Building Society. National Counties began in 1896, while the Family Building Society brand was launched on 14 July 2014 to focus more directly on financial issues affecting families across generations.

The Society is a mutual rather than a shareholder-owned bank. Its official information says profits are retained for the benefit of members rather than being distributed as shareholder dividends.

1896 The underlying Society began as the Fourth Post Office Mutual Building Society.
1972 The Society adopted the National Counties Building Society name after widening membership beyond Post Office employees.
2014 Family Building Society launched as a new brand with a particular focus on intergenerational family finances.
69,000+ The Society currently describes its membership as exceeding 69,000 members.
Why the trading-name detail matters: it affects more than branding. It is particularly important when checking FSCS protection because eligible deposits held with Family Building Society and National Counties Building Society count together toward the shared standard limit.

Official backgroundAbout Family Building Society

After opening this link:

  1. Read the mutual-ownership explanation to understand who owns the Society.
  2. Check the current membership figure if that matters to your research.
  3. Use the Corporate and Financial Information section if you need governance or financial-result documents.
  4. For regulatory verification, note that Family Building Society operates as a trading name of National Counties Building Society.

Family Building Society Online Service: What You Can Do

The Online Service is primarily a savings-management service with additional mortgage-information functions. It is not identical to the full-featured current-account apps offered by large banks, so check whether your particular task can actually be completed online.

Savings functions

  • Check eligible savings balances and recent transactions.
  • Transfer between supported Family Building Society accounts.
  • Withdraw to a pre-nominated bank account where the product permits.
  • View and save annual savings and ISA statements.
  • Apply online for selected new savings accounts.
  • Pay into supported accounts using a pre-registered debit card.
  • Send and receive secure messages.

Mortgage functions

  • Check the mortgage balance.
  • View recent mortgage transactions.
  • View, save and print the annual mortgage statement.
  • Use secure messaging for supported enquiries.

A product switch, new borrowing request or complex mortgage change may still require the mortgage team rather than the savings-style Online Service.

Online closure is product-dependent. Family Building Society says ISAs, Offset Savers, fixed-term accounts and notice accounts cannot currently be closed through the Online Service. Easy-access account closure can also be affected by daily withdrawal limits.

Official online accessFamily Building Society Online Service Login & Registration

After opening this link:

  1. Choose Log in if you already have active Online Service access.
  2. Choose Register if you hold or previously held an account but have not completed online registration.
  3. Check that you are on the official Family Building Society website before following the secure-service link.
  4. Do not enter security information into a page opened from an unexpected email or text.
  5. If you are locked out, stop repeated attempts and contact the Online Support Team on 03300 243406.

Register for Family Building Society Online Access

Family Building Society’s registration process has several stages because account access is not fully activated immediately. Existing customers should also note that each person needs their own unique email address for the Online Service.

Unique email required Two customers cannot share one email address for separate Online Service profiles.
Two-factor authentication The service uses an additional one-time passcode during login.
Joint accounts Joint account holders who each want online access should register separately.
Verification stage Registration includes identity and security checks before full account functionality becomes available.

Official registrationRegister for Family Building Society Online Service

After opening this link:

  1. Select Existing Customer if you already have or previously held an account with the Society.
  2. Follow the secure instructions and provide the personal details requested by Family Building Society.
  3. Create the security information requested during registration.
  4. Complete the email-verification steps sent by the Society.
  5. Complete any further verification process Family Building Society requires before full account access is enabled.
  6. After activation, use two-factor authentication whenever the Online Service requests it.
No code? If registration has stalled, use 03300 243406 rather than repeatedly starting new registrations. A missing verification step is different from a forgotten password or locked account.

Family Building Society Savings Accounts: Choose by Access First

Family Building Society offers a broader savings range than its name might suggest. Depending on current availability, savers can find easy-access accounts, notice savings, bonds, Cash ISAs, Junior Cash ISAs, Market Tracker products, branch-based accounts and the distinctive Windfall Bond.

Savings type
Useful when
Check before opening
Online easy access
You want online management and regular access to your money.
Daily withdrawal limits, minimum withdrawal, variable rate and nominated-account rules.
Notice savings
You can plan withdrawals in advance.
Notice period and whether early access is allowed with an interest loss.
Fixed-rate bond
You can leave a lump sum untouched for the fixed term.
Maturity date, minimum balance and whether early closure is prohibited.
Cash ISA
You want interest sheltered from Income Tax within ISA rules.
Transfer rules, notice, flexibility and the current statutory ISA allowance.
Windfall Bond
You want savings interest plus entry into the Society’s monthly free prize draw.
35-day notice structure, current AER and prize-draw rules.
Children’s savings
You are building savings for a child or using a Junior Cash ISA.
Age, control of withdrawals, tax wrapper and what happens when the child reaches the relevant age.
Current savings example Checked 18 September 2026

Family Building Society’s Online Saver (12) is currently shown at 4.15% Gross/AER variable on balances from £100. It is opened and managed online, currently allows withdrawals without notice or an access charge, and has a stated maximum withdrawal of £25,000 per day per account.

Do not treat this rate as permanent. Family Building Society can change variable rates and can replace one account issue with another.

Recent fixed-bond change: the 1 Year Fixed Rate Bond (71), which was recently advertised at 4.88% AER, is now shown by Family Building Society as withdrawn from sale. This is why old search results should not be used as a current-rate table.

Official savingsCompare Family Building Society Savings Accounts

After opening this link:

  1. Choose the savings category that matches when you will need the money.
  2. Check whether the displayed rate is fixed, variable or linked to another measure.
  3. Read the minimum opening balance and maximum permitted balance.
  4. Check withdrawal limits, notice periods and early-access consequences.
  5. Confirm whether the account is managed online, by post, in branch or through more than one route.
  6. Save the Summary Box and Product Features for the exact issue you open.

Family Building Society Cash ISAs and ISA Transfers

Family Building Society offers Cash ISA products rather than Stocks and Shares ISAs. For the 2026/27 tax year, the overall UK ISA subscription limit is £20,000, subject to the statutory ISA rules.

Upcoming rule change: current government policy states that from 6 April 2027 the annual Cash ISA limit for people under 65 will fall to £12,000 within the overall £20,000 ISA allowance. People aged 65 or over will retain a £20,000 Cash ISA limit under the announced rules. Check GOV.UK again before the 2027/28 tax year begins in case implementation details change.
Cash ISA transfers in Family Building Society accepts eligible Cash ISA transfers subject to the receiving product’s terms.
Current tax-year money The Society says current-year Cash ISA subscriptions must be transferred in full; partial current-year transfers in are not accepted.
Previous tax years Partial transfers of eligible previous-year Cash ISA subscriptions can be accepted.
Stocks & Shares ISA Family Building Society states that it does not accept transfers from Stocks and Shares ISAs into its Cash ISA products.
Typical transfer timing The Society says a transfer can take up to 15 working days once required documents are received, plus any applicable notice period.
Transfer method The Society is not part of the electronic ISA transfer database, so the existing provider must be able to send or receive the transfer through the route Family Building Society supports.
Do not move an ISA like ordinary savings. If preserving ISA status matters, use the new provider’s formal ISA transfer process rather than withdrawing the balance into your normal bank account and then trying to redeposit it.

Official ISA transferFamily Building Society ISA Transfer Instructions

After opening this link:

  1. Decide whether you are transferring into an existing Family Building Society ISA or opening a new ISA.
  2. Check that the chosen Family Building Society ISA accepts transfers.
  3. Complete the Society’s Cash ISA Transfer Authority where required.
  4. Do not withdraw the money yourself simply to speed up the transfer.
  5. Check whether your existing provider has a notice period, early-access charge or fixed-term restriction.
  6. Wait for confirmation that Family Building Society has completed and credited the transfer.

Official UK rulesGOV.UK ISA Rules and Current Allowance

After opening this link:

  1. Check the allowance for the tax year in which you are actually making the subscription.
  2. Review age and residency eligibility.
  3. Check whether any announced rule change has already taken effect.
  4. Use Family Building Society’s product terms for account-specific access and transfer conditions.

Family Building Society Windfall Bond: Interest Plus a Prize Draw

The Windfall Bond is one of the Society’s more distinctive savings products. It combines a savings account with interest and entry into a monthly free prize draw, rather than requiring the saver to give up all interest in exchange for prize eligibility.

2.75% AER Current annual interest displayed by Family Building Society when reviewed.
Up to £50,000 Maximum monthly prize currently advertised by the Society.
35 days The account uses a 35-day notice structure for access without an access charge.

Windfall Bond details checked 18 September 2026. Interest rates, prize allocations and draw rules can change.

Do not value the prize as guaranteed interest. Compare the guaranteed savings rate and access conditions with ordinary savings accounts first. A prize is uncertain, while the account’s stated interest and withdrawal conditions can be compared directly.

Official Windfall BondFamily Building Society Windfall Bond

After opening this link:

  1. Check the current AER before applying.
  2. Read the current prize-draw rules and prize allocation.
  3. Check how much must be held to qualify for the draw.
  4. Read the 35-day notice and closure conditions.
  5. Compare the guaranteed interest with ordinary savings products rather than valuing a possible prize as certain income.

Family Building Society FSCS Protection: The Shared-Limit Detail Matters

Family Building Society states that eligible deposits held through its UK establishment are protected by the Financial Services Compensation Scheme up to the current standard limit of £120,000 per eligible person.

The important detail is that the £120,000 limit applies to the total eligible deposits held across Family Building Society and National Counties Building Society. It is not a separate £120,000 allowance under each brand.

Example within the standard limit

£70,000 with Family Building Society plus £30,000 with National Counties gives £100,000 combined eligible deposits. This is below the current £120,000 standard limit for one eligible depositor.

Example above the standard limit

£90,000 with Family Building Society plus £70,000 with National Counties gives £160,000 combined. Do not assume the whole £160,000 receives standard FSCS protection simply because it is split between two brand names.

Large balance? Temporary high-balance protection can apply to certain qualifying life events under separate FSCS rules. Check directly with FSCS rather than assuming the standard £120,000 ceiling is the only rule relevant to your circumstances.

Official protectionFamily Building Society FSCS Protection Information

After opening this link:

  1. Check the current standard FSCS limit.
  2. Read the wording that groups Family Building Society and National Counties Building Society together.
  3. Add your eligible balances held under both brands.
  4. If the total is near or above the standard limit, review the official FSCS eligibility and temporary-high-balance rules.

Family Building Society Mortgages: Where the Range Is Different

Family Building Society offers mainstream owner-occupier borrowing alongside products aimed at situations that can be more difficult to fit into a standard automated mortgage application. Its lending includes family-assisted, later-life, interest-only, offset, Buy to Let and selected expat routes.

First-time buyer Standard borrowing plus the Family Mortgage route for qualifying purchasers using family security.
Home mover Owner-occupier products for qualifying borrowers moving property.
Remortgage Products for eligible borrowers moving an existing mortgage to Family Building Society.
Later life Repayment, interest-only and Retirement Interest-Only routes can be considered within the Society’s criteria.
Offset Linked savings can reduce the balance on which mortgage interest is calculated under the offset product terms.
Buy to Let and expat Separate products and criteria apply to eligible landlord and expat borrowing.
September 2026 mortgage pricing update Updated 16 September 2026

Family Building Society temporarily withdrew its fixed-rate mortgage range on 4 September 2026 after movements in swap rates. It then repriced and relaunched its fixed-rate Owner Occupier and Buy to Let ranges on 16 September 2026.

The Society’s intermediary update says the newly relaunched fixed-rate products were increased by 0.60 percentage points and given refreshed, longer end dates. Variable discount and tracker products were not changed in that particular update.

This is a dated market update, not a permanent rate promise. Use the live mortgage comparison pages for the rate available when you apply.

Mortgage risk: your home may be repossessed if you do not keep up repayments on your mortgage. Compare the initial rate, APRC, product fee, application fee, valuation costs, term and Early Repayment Charges rather than choosing by headline rate alone.

Official mortgagesFamily Building Society Mortgages

After opening this link:

  1. Choose whether you are buying your first home, moving, remortgaging, borrowing in later life or looking for another specialist route.
  2. Open the current product range rather than relying on an older rate table.
  3. Check maximum LTV, minimum loan, product fee, application fee and valuation arrangements.
  4. Read Early Repayment Charges before assuming you can switch or repay early without cost.
  5. Use the affordability calculator as an indication rather than treating it as a mortgage offer.
  6. Speak to the Society or an appropriate adviser when your circumstances need individual assessment.

Family Mortgage: Buying With Family Security Instead of a Large Cash Deposit

The Family Mortgage is designed for eligible buyers whose family can provide additional security. Family members may support the mortgage through qualifying savings held in a Family Security Account, security against family property, or an eligible combination under the product rules.

Current Family Mortgage example Checked 18 September 2026
6.39% Current five-year fixed Family Mortgage rate displayed for product XF1364.
Up to 100% LTV Additional qualifying family security is required for the maximum LTV route.
80% minimum LTV The current product states a minimum LTV of 80%.
£0 product fee The currently displayed Family Mortgage product shows no product fee.
100% LTV does not mean “no security”. The buyer may be able to proceed without a conventional cash deposit, but the product requires additional security so that the required overall security position is met. Family support can therefore be at risk if the mortgage terms are not met.

Family savings route

Qualifying family members place savings into the relevant Family Security savings structure. Those savings act as additional security under the mortgage rules while earning the applicable savings interest.

Family property route

The Society can consider security linked to qualifying family property. Anyone offering property as security should understand the legal and financial consequences before agreeing.

Official family-assisted mortgageFamily-Assisted Mortgage Options

After opening this link:

  1. Open the current Family Mortgage rather than relying on an old product code.
  2. Check the current maximum LTV and amount of additional security required.
  3. Decide whether family support would come from savings, property security or an allowed combination.
  4. Read when and how family security can eventually be released.
  5. Check affordability, term, mortgage fees and Early Repayment Charges.
  6. Make sure family members understand the risks before signing documents or committing savings or property.

Later-Life, Retirement Interest-Only, Offset and Specialist Mortgages

Family Building Society’s mortgage range is particularly relevant to borrowers whose age, income structure or family circumstances do not fit a simple automated application. Every mortgage remains subject to affordability, property and lending criteria.

Later-life repayment The Society considers repayment mortgages extending into later life for qualifying borrowers.
Interest-only Interest-only borrowing is available within relevant products and requires an acceptable repayment strategy.
Retirement Interest-Only RIO borrowing is available for qualifying applicants aged 55 and over, with repayment generally linked to a specified later-life event.
Offset mortgage Eligible savings can be linked against the mortgage so less of the mortgage balance is charged interest.
Buy to Let Separate landlord criteria, rental calculations and product fees apply.
Expat lending Selected expat mortgage products are available subject to residency, income, property and product criteria.
RIO is not the same as equity release. A Retirement Interest-Only mortgage generally requires monthly interest payments, with the capital repaid when a specified life event occurs. Compare the legal structure, affordability and long-term implications carefully.

Official later-life lendingFamily Building Society Later-Life Mortgages

After opening this link:

  1. Choose whether you are considering repayment, interest-only or RIO borrowing.
  2. Read the current age, term and affordability criteria.
  3. Check what income can be considered during and after retirement.
  4. For interest-only borrowing, understand how the mortgage capital will eventually be repaid.
  5. Compare the total cost with other appropriate later-life borrowing structures before proceeding.

Existing Family Building Society Customer: Use the Right Team

New-business and existing-customer enquiries use different contact routes. If you already hold savings or a mortgage, starting with the existing-customer team can avoid being transferred between departments.

Existing savings customer

Phone: 03330 140144

Email: savings.service@familybsoc.co.uk

Use for existing savings servicing, account questions and supported transactions.

Existing mortgage customer

Phone: 03330 140146

Email: mortgage.service@familybsoc.co.uk

Use for questions about an existing Family Building Society mortgage.

Online Service support

Phone: 03300 243406

Use when Online Service access, activation or account lockout is the actual problem.

Faster Payment display delay: Family Building Society says money sent to it by Faster Payment can take until the end of the next working day to appear in the Online Service. If it still has not appeared after the stated period, contact the savings team rather than sending the same payment again.

Official customer helpFamily Building Society Existing Customer Contacts

After opening this link:

  1. Choose savings, mortgage or Online Service according to the account affected.
  2. Use secure messaging for account-specific information where available.
  3. Avoid putting passwords, security codes or unnecessary sensitive account information into ordinary email.
  4. Use the callback or enquiry form if your issue is not urgent.

Power of Attorney, Third-Party Help and Bereavement

Family financial arrangements sometimes need somebody else to act for an account holder. The Society has separate processes for Power of Attorney, third-party mandates, deputies and bereavement rather than treating them as normal account-access requests.

Power of Attorney or mandate

Family Building Society provides forms and identification requirements for attorneys, deputies and third parties. For an existing account already carrying one of these arrangements, it directs customers to the Family Service Team.

Family Service Team: 03330 140144

Bereavement

The Society provides a separate bereavement process covering how to register a death and what happens to savings and mortgage accounts once the relevant documents have been received.

Official authority guidancePower of Attorney and Third Party Mandate

After opening this link:

  1. Identify whether the arrangement is a Power of Attorney, deputyship or third-party mandate.
  2. Download the form that matches the authority you are registering.
  3. Check which original or certified legal documents and identification are required.
  4. Do not assume an informal family arrangement gives legal authority to operate another person’s account.

Official bereavement supportFamily Building Society Bereavement Guidance

After opening this link:

  1. Open the section on registering a death with the Society.
  2. Check what evidence is required before sending original or certified documents.
  3. Read the separate guidance for savings and mortgage accounts.
  4. Keep copies and a record of anything sent to the Society.

Family Building Society Phone Numbers, Epsom Branch and Head Office

Family Building Society is based in Epsom, Surrey. Its customer branch and registered head office are different addresses, so use the Ashley Square branch when you specifically need face-to-face customer service.

New savings enquiry

03330 140141

For people asking about opening a new savings account or the current savings range.

New mortgage enquiry

03330 140140

For new residential mortgage questions and access to the Society’s mortgage-advice team.

Existing savings

03330 140144

savings.service@familybsoc.co.uk

Existing mortgage

03330 140146

mortgage.service@familybsoc.co.uk

Family Building Society Epsom Branch

Address:
Family Building Society
Ashley Square
Epsom
Surrey
KT18 5DD

Published opening hours:
Monday-Friday: 9:00am-4:30pm
Saturday: Closed

Ashley Square is at the South Street end of Epsom High Street. The Society says parking is available at the nearby Ashley Centre multi-storey car park.

Open Epsom Branch in Google Maps

Registered Head Office

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

Head-office hours

Monday-Friday: 9:00am-5:30pm
Saturday: Closed

Use the customer branch rather than assuming the registered office provides every counter service.

Official location detailsFamily Building Society Branch & Head Office

After opening this link:

  1. Choose the Epsom branch if you need customer-facing service.
  2. Use the head-office address when the Society specifically asks you to send correspondence there.
  3. Confirm current opening hours before travelling.
  4. If you need a specialist mortgage or document service, call first to check whether the branch can complete it.

Complaints, Secure Messaging and Account Security

Account-specific documents are better handled through the Society’s approved secure routes than ordinary email when sensitive financial information is involved. Family Building Society also provides a formal complaints process if normal customer service does not resolve the issue.

Use secure messaging The Society provides a secure messaging portal for account-specific communication and protected file exchange.
Do not share complete passwords Family Building Society warns that legitimate organisations should not ask you to disclose a complete password by phone or email.
Unexpected login demand The Society says it will not send an email demanding that you log in immediately or your account will be shut down.
Financial Ombudsman If an eligible complaint remains unresolved after the Society’s formal process, Financial Ombudsman Service rights may apply.
Scam warning: never approve an unexpected one-time passcode, disclose a verification code or change a nominated account because somebody who contacted you says money must be moved urgently. End the contact and use a telephone number from the official Family Building Society website.

Official complaintsRaise a Complaint With Family Building Society

After opening this link:

  1. Set out the problem in date order.
  2. Include the relevant account or application reference without sending unnecessary security information.
  3. Explain what you have already asked the Society to do.
  4. State the outcome you would like it to consider.
  5. Keep copies of correspondence and the complaint reference.
  6. If a final response does not resolve the matter, read the Financial Ombudsman Service information and applicable deadline.

Common Family Building Society Mistakes to Avoid

Treating National Counties as a separate FSCS allowance Add eligible deposits held under both brands before checking standard protection.
Using an old savings rate Account issues can be replaced or withdrawn quickly. Check whether the exact issue is still open before applying.
Moving an ISA by normal withdrawal Use the formal ISA transfer process when you need to preserve tax-free ISA status.
Assuming every savings account closes online ISAs, Offset Savers, fixed-term and notice products have different closure routes.
Confusing head office and branch Ashley Square is the Society’s Epsom customer branch; Ebbisham House is the registered head office.
Reading “100% mortgage” as unsecured The Family Mortgage can reach 100% LTV only with qualifying additional family security and full lending approval.
Comparing mortgages by rate alone Product fees, application fees, APRC, ERCs and term can materially change the real cost.
Registering repeatedly after lockout Use the Online Support Team when access is locked rather than creating duplicate registrations.

Before Opening a Savings Account or Applying for a Mortgage

Check that the exact product is still available.
Confirm whether the interest or mortgage rate is fixed or variable.
Read minimum and maximum balance or loan rules.
Check withdrawal, notice or overpayment conditions.
Read product, application, valuation and exit fees where relevant.
Check Early Repayment Charges on a mortgage.
Verify ISA transfer rules before moving tax-free savings.
Add Family and National Counties deposits for FSCS purposes.
Save the terms applying when you open the product.
Use only the Society’s official secure service for private information.

When Family Building Society Is Worth Comparing

It may be relevant to compare when

  • You want savings from a member-owned UK mutual.
  • You value telephone or branch help alongside online access.
  • You want a Cash ISA or savings account with unusual features such as the Windfall Bond.
  • A family member may be able to provide security for your first home or home move.
  • You need later-life, interest-only or another more specialist mortgage route.
  • Your circumstances may benefit from individual mortgage consideration.

Compare the wider market carefully when

  • Your only priority is the highest available savings rate.
  • You need a large nationwide branch network.
  • You want full current-account banking from the same provider.
  • You need unrestricted savings access but the chosen product has notice or transaction limits.
  • A mainstream mortgage provides a lower total cost for your circumstances.
  • You already hold a substantial balance with National Counties and need to manage FSCS exposure.
Building-society.org does not recommend a particular financial product. Use the official product terms and, where appropriate, regulated financial or mortgage advice to decide whether a product fits your circumstances.

Related Building Society Guides

If you are comparing Family Building Society with other UK mutuals, these published guides cover different combinations of savings access, branches, digital services and mortgage specialisms.

Nationwide Building Society: Mortgages, Savings & Help Yorkshire Building Society Login, Savings, Mortgages & Contact Bath Building Society: Savings, Mortgages & Account Guide Buckinghamshire Building Society: Savings, Mortgages & Account Guide Beverley Building Society: Savings, Mortgages & Account Guide Darlington Building Society: Savings, Mortgages & Online Services

Official Family Building Society Resources

Rates and product availability can change faster than general service information. Use the official page controlling the exact task before making a financial decision.

Family Building Society Official Website About Family Building Society Society History Online Service Login & Register Online Service Help Compare Savings Accounts Cash ISAs ISA Transfers Windfall Bond FSCS Protection Mortgages Family-Assisted Mortgages Later-Life Mortgages Mortgage Calculators Contact Family Building Society Epsom Branch & Head Office Bereavement Support Power of Attorney Support Complaints GOV.UK ISA Rules

How This Family Building Society Guide Was Checked

Trading-name and National Counties relationship checked.
Society history and 2014 Family brand launch checked.
Current Online Service functions reviewed.
Online registration and unique-email requirements checked.
Online Support telephone number checked.
Current Online Saver issue reviewed.
Recent fixed-bond withdrawal checked.
Windfall Bond structure reviewed.
Cash ISA transfer restrictions checked.
2026/27 statutory ISA allowance checked.
April 2027 Cash ISA rule change checked against GOV.UK.
Current £120,000 shared FSCS position checked.
16 September 2026 mortgage relaunch checked.
Current Family Mortgage example checked.
Later-life and RIO mortgage routes reviewed.
New and existing customer contact routes checked.
Epsom branch and head-office addresses checked.
Power of Attorney and bereavement routes reviewed.
Relevant published internal guides checked before linking.

Editorial research date: 18 September 2026. Live savings and mortgage rates are presented only as dated examples and should not be treated as permanent product terms.

Independent Financial Information Notice

Building-society.org is an independent informational website. It is not Family Building Society, National Counties Building Society, the Financial Conduct Authority, the Prudential Regulation Authority, the Financial Services Compensation Scheme or the Financial Ombudsman Service.

This page cannot access an account, approve an application, verify identity, move money or provide personalised financial advice. Family Building Society’s live product terms and official communications control your account or application.

Verify before acting: savings rates, mortgage pricing, FSCS limits, ISA rules, account issues, eligibility, telephone routes and branch hours can change. Re-check the relevant official source immediately before applying, transferring savings, committing family security or changing a mortgage.

Family Building Society FAQs

1. What is Family Building Society?

Family Building Society is a trading name of National Counties Building Society. The Family brand launched in July 2014, while the underlying mutual building society traces its history to 1896. It offers savings and mortgages with a particular emphasis on family and intergenerational financial needs.

2. What is the official Family Building Society Online Service?

Family Building Society provides its official Online Service through familybuildingsociety.co.uk and its secure online service. Registered customers can manage supported savings accounts, view transactions and statements, send secure messages and view mortgage balance and statement information.

3. What is the Family Building Society Online Service support number?

The dedicated Online Support Team number currently published by Family Building Society is 03300 243406. Use this number if you are locked out or need help with registration or Online Service access.

4. Are Family Building Society savings protected by FSCS?

Eligible deposits are currently protected up to the standard £120,000 FSCS limit per eligible person. The important point is that eligible deposits held with Family Building Society and National Counties Building Society are combined when applying that standard limit.

5. Does Family Building Society offer Cash ISAs?

Yes. Family Building Society offers Cash ISA products subject to current availability and product terms. It accepts eligible Cash ISA transfers, but current-tax-year subscriptions must currently be transferred in full and the Society states that it does not accept Stocks and Shares ISA transfers into its Cash ISAs.

6. What is the Family Building Society Windfall Bond?

The Windfall Bond is a savings account that pays interest and also provides entry into a monthly free prize draw. When reviewed on 18 September 2026, Family Building Society displayed a 2.75% AER rate and prizes of up to £50,000, subject to the current account and prize-draw rules.

7. Does Family Building Society offer a 100% mortgage?

Its Family Mortgage currently includes a route up to 100% LTV for qualifying purchase applications, but additional family security is required. The support can involve qualifying family savings or property security, so 100% LTV does not mean the mortgage is available without additional security or affordability checks.

8. Does Family Building Society offer mortgages for older borrowers?

Yes. Family Building Society publishes later-life mortgage options including qualifying repayment, interest-only and Retirement Interest-Only mortgages. Age, affordability, property, income and repayment-strategy criteria apply to the individual product.

9. Where is the Family Building Society branch?

The customer branch is at Ashley Square, Epsom, Surrey, KT18 5DD. Its currently published opening hours are Monday to Friday from 9:00am to 4:30pm, with Saturday closed. The registered head office is separately located at Ebbisham House, 30 Church Street, Epsom, KT17 4NL.

10. Is Building-society.org the official Family Building Society website?

No. Building-society.org is an independent informational website. Use familybuildingsociety.co.uk and the Society’s official secure services whenever you need to log in, submit personal information, move savings, apply for a mortgage or change an existing account.

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