Notices

  • Savings customers - interest rates on many of our variable rate savings products will be decreasing from 29 January. We have emailed or written to you to let you know of how these interest rate decreases affect you. See our variable savings rate changes

  • UK Landlords - The Renters’ Rights Bill, introduced in September 2024, received Royal Assent on 27 October 2025 and is now law as the Renters’ Rights Act. Read more about what to expect.

  • Savings: Interest rates for Windfall Bond will decrease by 0.25% from 1 January 2026. We will write to all customers individually to confirm the new rates.

    Mortgages: Tracker mortgages will change on 25 January 2026 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

  • Mortgage products - On Tuesday 20 January 2026, we made changes to our mortgage product range. This includes enhanced Buy to Let HMO criteria, now catering to properties with up to six bedrooms (previously four bedrooms)

    Managed Mortgage Rates and Discounted Variable Rates

    From 7 February 2026, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.15%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.

    We will shortly be writing to existing customers who have been impacted by this change, with details relevant to them.

  • Our Market Tracker Cash ISA (2) paying 4.03% AER is now back on sale. Find out more

Work in the community

We’re proud and committed to supporting our local community, various local charities and the environment..

This year, we’ve chosen to focus our work with one charity, our local Citizens Advice organisation in Epsom and Ewell. Citizens Advice provides a wide range of support and information to people who live, work or study in the area on issues as diverse as housing, benefits, employment, money and credit and family issues. The charity employs a very few staff but the majority of their work is done by volunteers. Apart from making a financial donation to them to allow them to fund more activities and support, we hope that our staff volunteers will be able to provide some more practical help to the charity over the course of the year.
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Volunteering and supporting the local community

In 2019, the Society gave every member of staff a ‘volunteer day’, so that they could personally get involved and make a difference to our charities. Our staff took on a wide variety of challenges from digging and planting allotments, to painting walls and ceilings, to packaging up Christmas gifts, and a few even got to play at being Santa, by delivering the gifts door to door. We've gladly carried this on after a brief pause during Covid, our staff report they find these days fulfilling and inspiring. 


Environment

Each year, we give all our members the opportunity to share their experience and feedback with us via our Members' questionnaire. For the past seven years we've been partnering with eForests and plant a tree for every 10 questionnaires completed online to help our ambition of reducing our carbon footprint.

To date we have planted over 3,000 trees around the UK in community woodlands, nature reserves, community farms and urban areas.

To find out more about the work that eForests do, visit their website.

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Members' newsletter

Read about the latest news and updates from the Society.

Autumn Newsletter

Award-winning

We are proud to have won a range of awards and achievements recognised by the industry.

Our awards