Bank of England (BoE) Base Rate Change: The BoE base rate decreased from 5.00% to 4.75% on 7 November 2024. Find out how this could affect your mortgage or savings account.

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Your home may be repossessed if you do not keep up repayments on your mortgage. 
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Interest is paid gross i.e. without tax being taken off on all our savings accounts - ISA accounts pay interest tax-free. Tax-free means that interest is not subject to income tax.
AER stands for the Annual Equivalent Rate and shows you what the interest rate would be if interest was paid and added each year. This will enable you to compare more easily the return you can expect from your savings over time.
Variable rate of interest means the interest rate payable on your account can change and move up and down.
Tax-free means that interest is not subject to income tax.


Gross interest means we do not take off income tax.

Annual Equivalent Rate (AER) helps you compare between accounts. It’s the rate of interest if it was paid and added each year.

The interest rate is variable and can go up or down.