2022 opportunities

Here are some simple changes that could give your year a real boost.

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Build a smart buffer

Life has its ups and downs, so it’s a good idea to tuck away enough money to cover your expenses for at least three months.

Find out how much is sensible for you to set aside now with our simple savings calculator.

Savings calculatorSavings calculator
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Boost your credit score

Want to borrow on better terms? As a rule, the higher your credit score, the lower the interest rates you’re likely to be offered – see what you can do today.

Credit score guideCredit score guide
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Balance your borrowing

Seeing the bigger picture could help you balance your borrowing more comfortably and give you extra control.

Find out what options are available to help you streamline your borrowing in 2022.

Borrowing optionsBorrowing options
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Own your first home

You’ve probably spent more time at home these last 18 months, so you may have thought about buying your own place.

We can give you advice on all kinds of mortgages, all in one place. 

Mortgage essentialsMortgage essentials
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Get a head start on 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. 



Under 50s pension tips

Over 50s pension tips

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Make the most of your home

If spending more time at home these last 18 months has made you think about making some improvements to it, then visit our Eco Home Hub.

There’s support to help your home become more sustainable with some tips on going greener. Our Eco Home Tool could help you improve the energy efficiency of your home to reduce your energy costs. 

Home improvementsHome improvements
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Protect yourself and your loved ones

Life insurance gives you and your family peace of mind that bills can be paid and loved ones taken care of, should that ever be necessary. We also offer options including power of attorney to help meet your needs, or someone that you know, as they change over time.

Discover what options are available to you. 

Life insurance

Power of attorney

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Put your savings to work

Investing isn't reserved for those with specialist expertise, and it’s never too late to invest wisely.

Why not discover ways you too can make your money work harder?

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Outsmart fraudsters

Keep a close eye on your account statements – balance and transactions – for unusual activity. And help protect your money by being aware of fake websites and phone, text or email scams.

To find out how to stay safe online and avoid the latest scams, visit our Fraud Hub.

Fraud HubFraud Hub

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000.  Registered Office: The Mound, Edinburgh EH1 1YZ.  Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

This information is correct as of November 2021 and is relevant to Halifax products and services only.