Notices

  • We’ll shortly be making some changes to our Online Service to make it simpler and easier for you to use.  

    Our new Online Service will have a modern design, improved navigation and many added benefits.  

    Find out more about the changes

  • From 1 March, our Windfall Bond savings account will earn you 3.50% annual interest (Gross AER).

    With exclusive entry into a monthly free prize draw with prizes ranging between £100 and £50,000.
    Click here to find out more and apply.

    Notice updated: 3 March 2025

  • IMPORTANT: The last day of the 2024 / 2025 tax year is Saturday 5 April.

    Our online and postal ISA applications for this tax year will close from 5pm on Friday 28 March until the morning of Monday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.

  • Mortgage products - From today, Monday 24 March, we’ve made changes to our mortgage product range. These include an increase to our Joint Borrower Sole Proprietor (JBSP) maximum loan size for Owner Occupier Repayment mortgages to £1,000,000, new Owner Occupier Interest-Only mortgages to 80% LTV, and the introduction of our House in Multiple Occupation (HMO) mortgages to general sale.

     

  • Our new 1 Year Fixed Rate Bond (54) paying 4.60% AER on balances of £10,000+ is now on sale. Exclusively online only.  Find out more here

Stamp duty holiday research report

Our latest research in conjunction with the London School of Economics (LSE)

Our latest 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.

Some of the key findings include;

  • In the first quarter of 2021 there were 50% more transactions than in the first
    quarter of 2020, ie before the pandemic struck
  • The £500,000 ceiling covers up to 90% of purchases
  • The holiday supports the Government’s levelling up agenda, given that house prices
    are higher in London and the South East
  • Increased transactions mean better use of the housing stock.

Download a copy of our CEOs foreword

Download a copy of the Exec Summary

Download a copy of the full report here

LSE Stamp Duty holiday report 2021 cover