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.

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

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Research reports

Working alongside the London School of Economics and the Resolution Foundation we've produced research reports on a range of topics.

Making better use of existing housing stock

A roundtable with the Royal Institute of British Architects: How to find more homes without building anew.

A call for integrated housing

Working with the London School of Economics, we look at why housing policy is failing.

Intergenerational wealth transfer research

Read about our research into how intergenerational wealth transfers are affecting UK families.

Later life borrowing research

Read our research report, written in conjunction with the London School of Economics, which looks into how people are using housing wealth in later life.

Stamp duty research

Our research has revealed that Stamp Duty Land Tax is suffocating the housing market. A real change is needed.

Stamp duty holiday research

Our latest research report looks into the impact of the stamp duty holiday, that was introduced by the Government in July 2020. This academic study investigates the affects on the UK housing market and the UK economy in general.

The Generation Divide

Read about the research we undertook to understanding how the millennial generation approach important life events and how they set out to find the answers.