Guides

We’ve been around for 160 years! Learn about our journey from a room in Huddersfield to a national building society, with stories and photos from our history.

Want to withdraw money from your Cash ISA? Learn how a flexible Cash ISA works and how it can affect your ISA allowance.

A building society is a company that lends money and helps people to save money. They are owned by their members, instead of shareholders.

Easy access savings accounts offer you flexibility around withdrawing money. There may be rules about how often you can withdraw.

If the interest from your savings goes above a set amount, you may need to pay tax. But not with an ISA. Find out how tax and ISAs work.

Whether or not you fix your mortgage will depend on your circumstances and your preference. Find out how fixing a mortgage works.

Saving for a car can be daunting. Find out more about the cost of running a car, how a car costs and how to save money!

Worried about crypto or bitcoin scams? Find out how to spot a cryptocurrency scam and how to keep your money safe.

Thinking about a getting a mortgage deal with a high loan to value ratio? Understand the risks and benefits of taking out a low deposit mortgage.

Looking to buy a home but not sure if you want a leasehold or a freehold? Find out what both mean and the differences between them here.

After the survey has been completed, it may have brought up issues that affect how much you’re prepared to pay for the property. Find out what your options are here.

You’ve received a mortgage offer from a lender – what next? Find out what happens after your mortgage offer has been accepted, how long it takes and what’s next.

Buy It For Life is a concept of buying better quality items that you only need to buy once. Find out the pros and cons and if BIFL is really worth it.

This scam looks to trick people into sending money by pretending to be their child. Find out how to avoid this scam and stay safe.

Keeping your home in top condition can be done all year round. We’ve put together a handy checklist sorted by season, to help you keep on top of home repairs.

Buying your own home is a goal for many people. But what are the best ways to get on the ladder? Start your mortgage journey here.

A variable rate mortgage is where you pay different amounts each month based on the Bank of England base rate. Find out how these types of mortgage work.

Want to know if an interest only mortgage may be right for you? Find out how an interest only mortgage works here.

When you get a mortgage, knowing about interest rates is important. It can help you compare deals and decide which one is right for you.

When your deal is coming to an end, you may be looking to remortgage. Find out how changes to the value of your home can affect remortgaging.

Getting a mortgage can be complex. There’s lots to know, so we’ve put together a step by step guide to what you can expect.

Moving home and want to take your mortgage with you? Porting your mortgage is where you buy a new home, but keep the same deal or rate. Learn more.

Coming to the end of your mortgage deal and not sure whether you move or stick with your lender? Find out what a product transfer is here.

Every lender has a standard variable rate mortgage. Find out what that are, how they work and why you can do if you find yourself on one.

AER stands for Annual Equivalent Rate. Find out more about the meaning of AER including how and why it is used.

Heard about negative equity but not sure what it means? Discover what it is, how it works and how you may be able to avoid it.

You may use both a current and savings account. Find out what each one is used for and why they are different.

The APRC (Annual Percentage Rate of Charge) shows you how much you should expect to pay during your full mortgage term. Find out more here.

Curious about what happens when you "complete" on a mortgage? Find out what it is, who sets the date and what you'll need to do.

Curious about offset mortgages? Find out how they work and if they could help to reduce your monthly repayments here.

If you’re a freelancer or own a small business, you might be curious about how this affects getting a mortgage. Find out how it works here.

A tracker mortgage is a type of variable rate mortgage. The interest rate you pay can go up or down depending on the Bank of England Base Rate.

Are you wondering how to save money this Christmas? Read our money saving tips to help make the festive period easier on your pockets.

Want to know what a regular savings account is? Find out how they work and what situations they may be good for here.

A gifted deposit is a sum of money that could help you buy a property. But how do gifted deposits work and do you have to declare it? Read our guide.

Put money aside for an unexpected expense? If you have a rainy day fund in a low interest account, you could be missing out.

Saving for a deposit on a house is easier said than done, but we’ve put together some tips to help you reduce spending and save up.

You’ve come into a large amount of money. Find out your saving options and other ways to use your lump sum.

If you have a little one on the way, you may want to know how much raising a child is likely to cost. Learn about the cost of childcare and how to save money as a parent.

Find it hard to save and not sure where to start? Try a savings challenges to make planning for the future a little more interesting.

A property chain can make the process of buying a home take a little longer. Find out how a property chain works, why they break down and what a chain-free property is.

Getting a Decision in Principle is often one of the first steps to getting a mortgage. Find out what it is, why it can be useful and how to apply for one here.

Getting ready for the big day? Use our checklist for moving house to make sure you don’t forget the important stuff among all the excitement.

What is a loan to value ratio when buying a home? To give you a clearer picture of your mortgage options, we explain how to calculate an LTV ratio.

Had an offer accepted? You may not be out of the woods yet. Find out what gazumping means and ways you might be able to avoid it.

Thinking about getting a mortgage but not sure which is the best for you? Find out what a fixed rate mortgage is and how one works.

Want the most out of your holidays? We share our best money saving tips to make your trip as stress free as possible.

Fixed rate bonds are a type of savings account that locks in a fixed interest rate over a fixed period. Learn more about how fixed rate bonds work.

Want to know how transferring a Cash ISA works? Find out the process how long it takes and if it affects your allowance here.

Want to know how much you pay into an ISA this tax year? Find out what the ISA allowance is and how it works with our guide.

Thinking about opening an ISA but not sure the rules? Find out many ISAs you can open in a tax year and how your allowance works here.

Want to know more about Cash ISAs? Find out how they work here and how much you can deposit per tax year.

Parcel delivery scams can try to catch you out by pretending to be from a legitimate delivery service. Find out how they work and how to spot one here.

As energy bills rise, many people are worried about their ability to pay their bills. Criminals are targeting this worry, fraudulently offering money to try and collect banking details.

Want to start saving forwards your future, or want a safety net just in case? Building your savings up may be easier than you think – find out how to open an account and tips for starting your saving journey.

To create a budget for your wedding, you need to know what you'll pay for. Find out the average cost of a wedding, including the dress, venue and flowers.

Knowing what questions to ask when buying a house can help save you time, money and potential heartache when you think you’ve found ‘the one’.

5 ways to reduce your monthly mortgage payments from switching deal to extending your mortgage term

Start a good habit and find ways to save money, build up your reserves and make sure you have something put away for a rainy day.

If your current deal is coming to an end soon, perhaps it’s time to think about remortgaging. Find out more about what to think about before switching lenders.

Cybercrime statistics can be scary but a few simple actions can help to protect you. Follow the tips in our guide to help keep you safe and take control online.

Want to save money but don’t know where to start? We share our best money saving and budgeting tips to get you started.

Found the home of your dreams? In this guide we’ll take a look at how to make an offer on a house and some of the things you should watch out for.