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Saving regularly each month allows you to put money aside for something special or a rainy day.

Over the months and years, you can build up a deposit amount that you can use for a holiday, a new car, moving home and much more.

As a result of the current Coronavirus situation, we have temporarily withdrawn this range of products. Whilst we currently have no products available in this sector, we still have a wide range of products available for both savings customers and mortgage borrowers looking to remortgage an existing property. We will be expanding our range of products again as soon as we can.

If you are still interested in this product range, let us know by completing an online enquiry form and we will contact you as soon as products become available.

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1. AER

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. AERs on the Monthly Income account assume interest is added to the account each month although in practice the option to have interest added in this way is not available.

2. Gross Rate

The gross rate is the contractual rate of interest payable without tax taken off.
If separate AER/Gross rates are not quoted, both rates are identical.

^Tax Free

Tax free means exempt from UK income and capital gains tax in the hands of the investor.

Understanding Savings

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