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

Our variable rate savings accounts are decreasing

Interest rates on the majority of our variable savings accounts are decreasing from 29 January 2026

Following the Bank of England Base Rate decrease by 0.25% to 3.75% on 18 December 2025 we're reducing a majority of our variable interest savings rate on 29 January 2026. 

See our new variable rate account changes

We have notified those customers affected by email or by letter. Please note that some of our savings accounts listed are not currently available for new account openings.

 

If you have any questions please speak to our Family Service Team

Call us on 03330 140144       Online enquiry form 

Opening hours:

Monday to Friday: 9am - 5.30pm.
Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

 

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