Family Building Society
Afia Ghos CeMAP is a seasoned mortgage professional with extensive experience in the financial services industry. Currently serving as a Mortgage Underwriter at Family Building Society since July 2023, Afia has previously held various roles at CHL Mortgages, including Platform Analyst on secondment, Mortgage Underwriter, and Operational Specialist from September 2020 to March 2023. Prior to this, Afia worked as a Mortgage Underwriter at Fleet Mortgages from March 2018 to August 2020, and gained valuable customer service experience as a Customer Service Representative at Thames Water between July 2016 and March 2018. The career began at Lloyds Banking Group where Afia worked as a Mortgage and Protection Advisor from April 2008 to April 2016, and included a role as Account Manager at Grupo Santander from March 2004 to April 2008.
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Family Building Society
Family Building Society is a trading name of National Counties Building Society. National Counties is the UK’s 11th largest building society, with over £2.2bn of assets and over 60,000 members. Established in 1896, National Counties is a mutual organisation, owned by its saving and borrowing members and therefore not subject to stock market fluctuations. It is independent and not a subsidiary of any larger group. The majority of its borrowings (over 80%) are raised by deposits from individuals. Its financial strength, as measured by capital ratio, is excellent and its conservative approach to lending means it has very low mortgage arrears. National Counties is a member of the Financial Services Compensation Scheme, providing maximum protection for savings. In July 2014, National Counties launched the Family Building Society (www.familybuildingsociety.co.uk) - a new proposition that enables families to help each other financially across the generations. For example, parents and grandparents can use their resources to help young people get on the housing ladder, but without having to give the money away. Our mortgage products are underwritten by a dedicated team of underwriters who look at each case on an individual basis, and our experienced and qualified staff strive to maintain the highest standards of customer service. An internal complaints procedure exists, with ultimate recourse for dissatisfied customers to the Financial Ombudsman Service. National Counties Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference No. 206080 www.fca.gov.uk/register