Notices

  • Online Service update. Due to planned essential maintenance, our Online Service will be unavailable between 9:00am to 10:00am on Saturday 25 October. We apologise for any inconvenience this may cause.

  • Please note that our Market Tracker Cash ISA (2) has been withdrawn from sale. Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.

  • Mortgage products - On Tuesday 30 September 2025, we made changes to our mortgage product range. This included decreases across many of our Fixed Rate products for Owner Occupier and Buy to Let products.

    Buy to Let Limited Companies

    In addition we launched new Fixed Rate products for Buy to Let Limited Company landlords (UK registered companies) who have expat shareholders and/or directors in our acceptable list of countries.

    Managed Mortgage Rates and Discounted Variable Rates

    From 1 October 2025, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.25%. 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 have written to existing customers who have been impacted by this change, with details relevant to them.

  • We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use.  Online Service changes

Bond and ISA maturity reinvestment options

When your savings fixed rate ends we'll contact you about your options. Here you'll find details of the accounts available for reinvestment.

When your bond or ISA fixed rate ends, your money ‘matures’ and you get access to it. This is known as maturity.

When your maturity date is approaching you’ll need to decide what to do with your savings next.  We’ll send you a letter no later than 15 calendar days before maturity which will explain your maturity options. Please refer to this letter for more details. 

If your Fixed Rate Bond account has matured into to our Market Tracker Saver (2) please find the Product Features leaflet here, or if you hold a Fixed Rate Cash ISA that has matured in our Market Tracker Cash ISA (3) then you can find the Product Features leaflet here.

Below are details of the accounts currently available for reinvestment, along with a list of accounts that are no longer available.

Accounts currently available*

*Please note: The reinvestment account(s) relevant to your Family Building Society or National Counties maturing savings bond or ISA will be specified in your maturity letter.

AccountBalanceGrossGross AER#
1 Year Fixed Rate Bond (61)   
Annual interest£10,000+4.00%4.00%
(Rates effective from 2 October 2025)£1,000+3.80%3.80%
    
Monthly interest£10,000+3.93%4.00%
(Rates effective from 2 October 2025)£5,000+3.74%3.80%
    
2 Year Fixed Rate Bond (46)   
Annual interest£10,000+4.00%4.00%
(Rates effective from 15 August 2025)£1,000+3.80%3.80%
    
Monthly interest£10,000+3.93%4.00%
(Rates effective from 15 August 2025)£5,000+3.74%3.80%
    
3 Year Fixed Rate Bond (47)   
Annual interest£10,000+4.05%4.05%
(Rates effective from 2 October 2025))£1,000+3.85%3.85%
    
Monthly interest£10,000+3.98%4.05%
(Rates effective from 2 October 2025)£5,000+3.78%3.85%
    
5 Year Fixed Rate Bond (41)   
Annual interest£10,000+4.10%4.10%
(Rates effective from 2 October 2025)£1,000+3.90%3.90%
    
Monthly interest£10,000+4.02%4.10%
(Rates effective from 2 October 2025)£5,000+3.83%3.90%

 

AccountBalanceGrossGross AER#
1 Year Fixed Rate Cash ISA (40)^   
Annual interest£1,000+3.90%3.90%
(Rates effective from 2 October 2025)   
    
2 Year Fixed Rate Cash ISA (34)^   
Annual interest£1,000+3.90%3.90%
(Rates effective from 15 August 2025)   
    
3 Year Fixed Rate Cash ISA (33)^   
Annual interest£1,000+3.95%3.95%
(Rates effective from 2 October 2025)   
    
5 Year Fixed Rate Cash ISA (36)^   
Annual interest£1,000+4.00%4.00%
(Rates effective from 2 October 2025)   
    
Market Tracker Cash ISA (3)^   
Annual Interest£1+4.19%4.19%
(Rates effective from 1 October 2025)



AccountBalanceGrossGross AER#
Market Tracker Saver (2)
  
Annual Interest£1+4.14%4.14%
(Rate effective from 1 October 2025)



Notes:

# AER stands for Annual Equivalent Rate and illustrates what the annual rate would be if interest was compounded.

^ Interest is paid tax-free as it is currently exempt from income tax. The future tax treatment of Individual Savings Accounts may vary.


Accounts that are no longer available

Fixed rate bonds      Tracker rate bonds      ISAs

Do you need our help?

If you have questions or need our help please contact our friendly Savings Service Team.

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