Help to secure your financial future

Have confidence to plan ahead, whatever stage of life you're at.

  • When you’re living a busy life, it’s not always easy to focus on the future, but it’s important to plan ahead. Whether you are nearing retirement, far from it, or already retired – together with our pensions expert Scottish Widows, we could help you make the most of your options. 

    Help with planning ahead

    Right now, your retirement may seem far away and other things may take precedence. However, prioritising putting money away into a pension is important to secure your future.

    Pension tips for the under 50s

    Preparing to retire?

    You may be excited about retiring soon or uncertain of what the future holds. Read our tips around retirement to help you consider your pension and ensure you’re retirement ready.

    Pension tips for the over 50s

    Combine your pensions

    With a varied working life, our pension pots can end up in different places. Bringing your pensions together can make managing them easier and you could pay less in fees and charges.

    Find out how

    Already retired?

    Our pensions expert Scottish Widows can help answer your retirement questions, with tips on how you can make the most of your money.



    What you need to know

    Pension Calculators & Tools

    Calculate overpayments and tax options with these tools from our pensions expert Scottish Widows. 


    Pension Calculator

    Changing futures

    To help get the UK planning for a changing future, our pensions expert Scottish Widows has partnered with Channel 4 for Pension Awareness Day 2020. 


    Learn more

    Impact of coronavirus on pensions

    Our pensions expert Scottish Widows can help address your most commonly asked questions around coronavirus and your pensions and investments.

    Watch the expert sessions

    Meet your future self

    Take a look at your future self and find out what age you could retire with this useful tool from our pensions expert Scottish Widows.


    Get started

    Plan for your future

    For over 200 years our pensions expert Scottish Widows has guided people through good times and bad, take a look at their videos and articles on how to plan for your future.

    Start planning
  • Whether you’re putting that first foot on the property ladder, already have a mortgage, are renting, own a property, or own multiple properties, we can help you take the next step. We are proud to offer mortgages provided by Halifax.

    You could lose your home if you do not keep up mortgage repayments.

    Saving for a deposit

    Need some ideas on how to get that all-important deposit to buy your first home? Then our FAQs for first time buyers could help.

    First time buyer FAQs

    Mortgages for first time buyers

    If you’re looking to buy your first home, we have everything you need to know about your first mortgage and becoming a first-time buyer.

    See mortgage guide

    Mortgage calculator tool

    Check how much you could borrow and compare monthly payments to find the right mortgage for you.


    Use calculator


    View our range of mortgages and see if one is right for you.

    Get started

    Buy to let

    Whether you're purchasing your first buy to let or adding another property to your investment portfolio, we have a range of buy to let offers.


    Find out more

    Borrowing to renovate

    If you’re thinking about home improvements or extending your home, you could remortgage or take Additional Borrowing.  Get started today and see your options. 

    Mortgage options
  • Wherever you want to be, the right advice could help you get there. That’s why we’ve partnered with Schroders Personal Wealth, to give more of our customers access to wealth management and financial advice. A Schroders Personal Wealth Adviser will ask about your personal circumstances and aspirations, and develop a plan you can have confidence in.

    Am I eligible?

    To benefit from wealth management services from Schroders Personal Wealth, you will need to have at least: £100,000 of sole/joint savings, investments and/or personal pensions, and/or £100,000 of sole annual income.

    Check eligibility

    Invest in your future

    A Schroders Personal Wealth adviser gives you access to expert investment management services and financial products tailored to your risk appetite.

    Seek investments advice

    Pass on your wealth

    Make arrangements for passing on your wealth in a tax-efficient manner. Expertise from a wealth adviser could help you do so more effectively and give you greater peace of mind. 

    Start planning

    Planning for retirement

    Schroders Personal Wealth Advisers will evaluate where you are now and create a strategy to aim for the savings and retirement income you’re looking for.

    Retirement planning

    Protect your family’s future

    We can help you safeguard your finances now to ensure your family will be financially secure in the long-term, if your circumstances change.

    Learn how

    Wealth Management costs

    Our partners Schroders Personal Wealth will always be transparent about any fees for advice, and any charges for third party products. 

    See fees and charges

    How to talk to an expert

    Speak to a Schroders Personal Wealth Adviser, from the comfort of your own home. It’s easy to do via our video online chat or by phone. Book your free, no obligation appointment today.

    Book an appointment

Savings accounts offer a low-risk, safe and accessible way for you to look after your money.  However, if interest rates reduce, your returns may be affected. If you are looking for a higher return on your money you might want to consider investing. There is a higher level of risk involved, but it could help your money grow faster.

Remember: When investing, your capital is at risk. If you are unsure about investing, seek independent advice. Tax treatment is subject to your individual circumstances and is subject to change in the future.

Ways to invest

There’s a wide range of options to suit all levels of investment experience. Choose to manage your own investment portfolio or select a risk level and let us do it for you. 

Discover how

Your savings options

Instant access, fixed term, children's accounts and more. Review your savings account options and choose the right account for your needs.

Compare savings accounts

What type of investor are you?

Our 60-second interactive quiz helps you discover what type of investor you are.

Take the quiz

Your ISA Options

You could invest up to £20,000 tax-efficiently each tax year with an ISA (Individual Savings Account). They’re a flexible way to help you make more of your money.

See ISA options

Build a savings habit

By building a better savings habit you could help grow your savings. Read our top tips to save money.

See our savings tips

Investing in a volatile market

Discover what you need to consider before investing in a volatile stock market with our compilation of ‘need-to-know’ essentials.



Learn more

Boost your investment skills

To help you on your investment journey we have over 20 easy-to-read articles to develop your skills and learn more about investments.

Boost your skills

New to investing?

Take your first steps into investing with our 5 step guide. It’ll help you get started with your investment options and goals.




Read beginners guide

Investments fees and charges

Want to know more about potential fees? Take a look at our investment charges and see how we compare with other providers.

Compare charges

Become an informed investor

Researching your investments is really important. Increase your knowledge by visiting our research centre for the latest market news.

Research the market

Help with understanding risk

Understanding risk is key to being an informed investor. Read about what risk is and discover the different types of risk now.



Read our helpful guide