
Financial Future Hub
Plan ahead with confidence, whatever stage of life you’re at. We’ve got the tools and services to help you, all in one place.
Savings and investments
Savings accounts offer a low-risk and accessible way to look after your money. If you’re looking to make some of your money work harder, you might also consider investing.
Remember, the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek independent advice. Tax treatment depends on personal circumstances and may be subject to change.
Savings Calculator
Plan your savings with the help of our calculator. It shows you how much or how long it will take to reach your goal.

Ways to save
Instant access, fixed term, children’s accounts and more. Compare savings accounts and find the right one for you.

Ways to invest
Manage your own investments or let us do it for you. We have a range of options to suit all levels of experience.

Research the market
Our research centre helps you stay up-to-date with the latest market news.
Your retirement
Whatever stage of life you’re at – nearing retirement, already retired or just starting to think about it – we can help you make the most of your pension options.
Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits which isn’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

Planning ahead
Even if retirement feels far away, it’s a good idea to start a pension pot. Start planning your goals for retirement.

Preparing to retire
If you’re over 50 and considering the next step, we can help get you retirement ready with the right resources.
Transfer your pensions
Transfer different pension pots to one place and you could save time and money in the long run.
Pension calculators & tools
Use these tools to see what your pension could look like.
Courtesy of our pension experts at Scottish Widows.
Your home
If you’re considering buying a property or looking to make some improvements, we’re here to help you take the next step. We are proud to offer mortgages provided by Halifax.
You could lose your home if you don’t keep up your mortgage repayments.
Buying your first home
Our guide takes you through the seven key steps of buying a house in Scotland.

First time buyer mortgages
When you’re ready to buy your first home, this handy guide can help you with every step.

More from your mortgage
If you already have a Halifax or a Bank of Scotland mortgage, you may be able to borrow more for home improvements. Conditions apply.

Remortgage with us
Thinking of remortgaging? Use our simple tool to find the right option for you.
Mortgage calculator
See how much you could borrow and calculate your monthly repayments.

Life Insurance
Life Insurance offers you peace of mind. A lump sum could help pay off your mortgage and any loans or bills. Provided by Scottish Widows.
Expert financial advice
Getting the right advice can make all the difference. That’s why we’ve partnered with Schroders Personal Wealth to give you access to their expert advisers.

Investment management
Schroders Personal Wealth has the expertise to help you make the most of your money, tailored to your needs.

Inheritance
Help to pass on your wealth to your family, or other beneficiaries, in a tax-efficient way.

Protect you and your family
Protection for peace of mind. Schroders Personal Wealth won’t take a commission for getting you and your family protected.