Family Building Society specialises in cases the mainstream finds awkward — complex incomes, older borrowers, and family-assisted purchases — with genuinely manual underwriting. A strong option for the contractor whose case needs a human and a bit of ingenuity.
| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Manual assessment |
| Day-one lending | Case-by-case |
| Minimum history | Flexible |
| IR35 (inside) stance | Contractor-friendly assessment |
| Umbrella accepted | Yes |
| Limited company | Yes |
| Gaps between contracts | Flexible |
| Adverse credit | Mild considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — it specialises in cases the mainstream finds awkward, including complex contractor income, with manual underwriting. Exact terms are confirmed live at application.
Yes — family-assisted and older-borrower cases are a core specialism, which can combine with contractor income. Specifics are confirmed at application.
Manually, reading the contract and wider circumstances rather than requiring a standard template.
Yes to both, with appropriate income evidence for each structure.
Specialist-mutual pricing applies — the premium buys manual flexibility for awkward cases.
Speak to our contractor mortgage specialists to check live Family Building rates and verify your borrowing capacity.