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

How we use personal information

An explanation of our use of your personal information and a guide to your rights.

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  • How we use personal information

Protecting your privacy and ensuring that any personal information provided by you is secure is extremely important to us.

The information below summarises how we will use the personal information you provide to us and which we obtain from third parties.

Data protection law puts obligations on users of personal information and lays down principles for its use. You are entitled to know how we intend to use any information you provide. To find out more view a copy of our full privacy notice.

You are entitled to ask to see any personal information we hold about you. If you feel that any of the information is wrong you can ask us to correct it.

You also have the right to ask us to:

  • Delete information about you

  • Stop using your personal information for certain purposes

  • Move, copy or transfer your personal information (“data portability”)

  • Stop making decisions about you in an entirely automated way.

The above rights do not apply in all circumstances. Read more about Your Data Protection Rights.

Further information on data protection is publicly available from the Information Commissioner's Office website or by phone on 0303 123 1113.

The main ways in which information that you provide can be used are shown below:

  1. To assist us in assessing any application you make and, if it is accepted, to assist us in providing the account or service for which you have applied.
  2. To assist us in making credit decisions and establishing identity, where necessary
  3. For fraud prevention and detection and/or to prevent money laundering.
  4. To share with other organisations and businesses who provide services to us such as valuer panel managers and insurers.
  5. To help develop and improve the products and services offered to you and to other customers.
  6. If the law permits or it is in the public interest.
  7. Information entered on our website, when you enquire about a product or service provided by a partner organisation, will be passed through to them.
To find out more view a copy of our full privacy notice.
 
Subject to us obtaining your consent, we will use your information to keep you advised of any products, services, promotions, offers and events that we think you may be interested in and details about our carefully selected partners, a list of which is available on request. When you open an account, take out a mortgage or ask for any other product from us, you have the opportunity to tell us that you wish to receive this information. If you consent to receiving marketing information we may invite you to review that decision from time to time but you can write to us at any time if you change your mind. Remember that opting out of marketing will stop us informing you of products and services which may benefit you.

With your consent, information about you will be provided to selected companies whose names will be advised to you when you open an account, take out a mortgage or ask for another product from us.
The Credit Reference Agencies that we use are:

You have the right to apply to Equifax, TransUnion or Experian for a copy of your credit file. 

If there is anything on your credit file which is inaccurate, you have the right to ask the agency to add a Notice of Correction.

We will search Credit Reference Agency files in order to check your credit history and verify your identity. The search will normally also reveal details of other residents at the address(es) you have provided. The agencies will record that a search was made against your name whether or not an application proceeds.

We will share information about you and your account(s) with the Credit Reference Agency. The information held by the Credit Reference Agency may be used by us and other subscribers to make decisions on future applications and for debt tracing and fraud prevention.
When you open an account with us, we are required by law to confirm your identity. To do this, we will make searches about you at a Credit Reference Agency that will supply us with information, including details from the Electoral Register. The searches will not be seen or used by lenders to assess your ability to obtain credit.

If we are unable to verify your identity by this method we will advise you of the additional documentation required.
Our mortgages and savings are regulated by the Financial Conduct Authority (FCA). Occasionally, an audit of a sample of our customer records is undertaken by the FCA or by our other regulator, the Prudential Regulation Authority. Whenever this happens, strict confidentiality conditions are imposed for your protection.

Like other financial organisations, we are legally obliged to collect and record information confirming customer identity. In situations where we consider an application or a transaction to be suspicious we are also required to report these details to the National Crime Agency.

Some Acts of Parliament require us to disclose information about our customers to certain bodies with statutory powers. HM Revenue & Customs, for example, has the statutory power to audit customers' accounts from time to time.
Our aim is to ensure that any information we hold about you is accurate, secure and confidential.

Before making information available to anyone, we will protect your confidentiality by checking that they have the right to receive it. For example, we may ask you to prove your identity when you telephone us about your account(s) and we will ask you to provide written authority before making information available to third parties.

Our policies and procedures ensure strict compliance with data protection law so that your personal information remains confidential. Training, regarding data protection law and customer confidentiality, is given to each member of our staff to ensure that their obligations are understood.

Privacy notice

How we look after your personal information, including what you tell us about yourself, how we use that information, and what communications we may send you.

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