Overdrafts can be a useful facility to help fund unexpected bills, however it’s important to be aware of how much you could be charged to use it, especially with recent changes. So what’s changed? From April this year, the FCA announced that banks would be required to price overdrafts using a single annual interest rate,… Read more »

  Having a reliable car can make a huge difference to your everyday life. Amongst other things it’s there to help you drop the kids off at school, see friends and family or get you safely to work. Our Member Loan could help you purchase your perfect car. Key benefits of the Member Loan You can apply to… Read more »

  What is Stamp Duty? Stamp Duty Land Tax (SDLT) is applied to some residential property purchases in England and Northern Ireland. Ordinarily, there are different tax rates for different purchases prices ranging from 0% (up to £125,000) to 12% (in excess of £1,500,000). What have the government announced? Due to the national impact of… Read more »

We’re excited to announce we’ve improved our mortgage product range. Our maximum mortgage term has been extended to 35 years, and we have also launched mortgages for the Help to Buy: Equity Loan scheme! We’ve extended the maximum term on our mortgages to help members who prefer to spread the cost over a longer period…. Read more »

Do you currently have a loan with us? Or are you considering applying for one in the future? We understand that sometimes unexpected costs arise and you might find yourself needing some extra cash. We allow our members to apply for additional borrowing when they have an existing loan with us. There are two ways… Read more »

  With so many people now spending more time at home it has given them the opportunity to work on their gardens and houses. Some are also buying exercise equipment to replace time spent at the gym. If you are looking to fund projects such as these with flexible credit, our Revolving Credit facility may… Read more »

As we are adapting to working during the Covid-19 pandemic, we are focusing on modifying our practices allowing us to provide the best service we can to you. We moved to remote working almost instantly with the majority of our services and a temporary phone system available to our members. We have now been able… Read more »

Whilst we are all in lockdown and adapting to a new way of living, we want to take this time to say thank you to all the people who are helping to keep us safe. We need the little ones in your life to help us do this… it should help to keep them occupied… Read more »

In light of the latest advice from the Prime Minister to both ensure the safety of our staff whilst still allowing us to continue to offer services to you during this difficult time, we have taken the decision to temporarily close our office from 5pm today (24/03/2020).  This is an eventuality that we had planned… Read more »

During this uncertain time, we are preparing for different scenarios dependent on current ongoing government advice on Covid-19. Our key concerns are keeping staff safe whilst still being able to offer services to help our members financially.   Your membership with us We have an extensive plan if we are forced to go into isolation…. Read more »