Services

Achieve Your Goals With Our Services

Achieve your goals with our dedicated services, tailored from financial planning to strategic guidance.

Savings options

We’ve been in touch with more than 15 million customers in the last year to inform them of their options for savings to show how they could benefit from changing their savings product to receive better rates.

Subscription checker

More than 6 million unwanted third-party subscriptions have been directly cancelled or blocked through our mobile banking apps, since we launched the service in June 2021, to help with budgeting.

Credit Score

More than 8.8 million customers have registered for Your Credit Score to help them understand their credit score and improve it, since its launch in September 2021

Market Analysis

Providing valuable insights into current market trends, competition analysis, and strategic opportunities for informed and strategic decision-making.

Audit Support

Helping with audit preparation to ensure precise, compliant, and thorough financial evaluations for enhanced organizational transparency and accountability.

Persistent Debt

We regularly write to repeat overdraft users and customers in persistent debt to help them understand how small changes to their repayment habits, such as fixing their monthly payments, can help them to pay down their balance quicker and save money on interest.

Access to Information

Making sure that our customers have easy access to information that will help them to make good decisions is important. We’ve lots of brand-new tools available in our Lloyds Bank, Bank of Scotland and Halifax apps as well as on our Money Worries and Money Management banking webpages such as the Support Tool and Budget Calculator.

Compliance Advisory

Expert guidance and proactive support to ensure regulatory compliance, fostering ethical business practices, and maintaining operational integrity.

Our Process

Steps to Ensure Success

As 2023 progressed, businesses continued to face into high inflation and increasing interest rates. Their focus on growth and their ability to innovate in a more challenging economic environment means that businesses remain able to survive and thrive.

Analysis and Consultation

Our role, as it was in prior years, has been to be by the side of our business customers to support their ambitions and to help them seize opportunities for growth wherever possible.

Strategic Planning

Despite a less benign economic environment, 2023 remained a year when many businesses were able to fulfil their growth ambitions.

Monitoring and Optimization

We helped over 105,000 small businesses and charities with new banking during the year and want to help these scale-up into larger businesses in the years ahead. We continuously monitor results and optimize our approach to ensure sustained growth and success.

Our Pricing

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Personal Loan

Sometimes you just need a little extra money or a way to build credit so you can better plan for your future. Check out our solutions to help you cover expenses in your checking account, make a purchase or build credit.

ACR 16.50% ¹ (variable)

Rate Type fixed

Maximum Loan Amount $5000

Quarterly financial check-ins

Terms Revolving

Debt management advice

Fixed rate 13.75% ²

$500/minimum

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Mortgage Loan

Buying, refinancing or building a home is one of the most important financial decisions you make. And like every home, every person’s needs take a different shape. We can help. Not only do we have standard fixed rate programs, we also have adjustable rate portfolio programs that can accommodate customers with unique situations.

Everything in Basic Plan , plus:

Rate Type Competitive

Maximum Loan Amount $10000

Annual tax planning session

Personal attention from a local bank

Phone and email support

Retirement savings analysis

$750/minimum

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Equity Loan

Put your home to work for you. When you have a specific need in mind – say, a big home improvement project – an equity loan is ideal. You’ll get a fixed monthly payment for a specific term, from 5 years to 20 years. Just what you need for as long as you need it, and it’s easy to fit into your budget.

Everything in Standard Plan, plus:

Rate Type Low

Maximum Loan Amount $50000

Estate & finance planning consultation

Unlimited financial consultations

Priority phone and email support

Tax optimization strategies