Financial Planning Centre
It’s never too early to start planning the future you want. The Financial Planning
Centre brings all your options into one place – so it’s easy to find what you need.
Start planning
Savings, home-buying, pensions and more. Expand the section below to find what you need.
Savings and Investments
Savings accounts are a low-risk and accessible way to look after your money. If you’re looking to make your money work harder, you might 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 financial advice. Tax treatment depends on personal circumstances and may be subject to change.
Savings tips
Top tips for saving money. Grow your savings and discover ideas to help you save more.
About ISAs
With an ISA (Individual Saving Account) you can save or invest tax efficiently.
Investment checklist
A handy checklist to help you invest in a volatile market.
Ways to save
Instant access, fixed term, children’s accounts and more. Compare savings accounts and find the right one for you.
Savings Calculator
Plan your savings and reach your goals with the help of our Savings Calculator.
Ways to invest
Manage your own portfolio or let us do it for you. We have a range of options to suit all levels of experience.
Boost your investment skills
Develop your investment skills with these easy-to-read articles.
Investment advice
Expert advice from our partners at Schroders Personal Wealth starts with a free, no obligation chat, then a financial plan that’s tailored to you.
Eligibility criteria applies. Fees and charges may apply.
Start investing
Ready to start investing? Read the beginner’s guide to get you started in five simple steps.
Risk explained
Understanding risk makes you an informed investor. Read about the different types of risk.
What kind of investor are you?
Take the interactive quiz to find out what type of investor you are.
Research the market
Our research centre has the latest market news and more.
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.
Plan ahead
It’s never too early to start putting money away in a pension pot. Start planning your goals for retirement.
Ready to retire
Get retirement ready. If you’re over 50, we’ve got the resources to help you prepare for the next stage of life.
Transfer your pensions
It's easy to lose track of different pensions pots. Consolidating your pensions and bringing them together can make them easy to manage, and save you time and charges.
Money in retirement
Read up on how to make the most of your money in retirement.
Courtesy of the pension experts at Scottish Widows.
Your future plans
Pension guidance and resources provided by Scottish Widows with over 200 years’ experience in helping people prepare for their later years.
Courtesy of the pension experts at Scottish Widows.
Pensions basics
Watch the pensions basics videos for handy tips to help you plan for retirement.
Courtesy of the pension experts at Scottish Widows.
Pension Calculators & Tools
Calculate and compare your pension options using these tools.
Courtesy of the pension experts at Scottish Widows.
Meet your future self
Read up on how to make the most of your money in retirement.
Courtesy of the pension experts at Scottish Widows.
Approaching Retirement
Find the “Approaching Retirement” brochure and read more about important topics such as what your retirement options are, accessing your pension, preparing for spending shifts and lots more.
Courtesy of the pension experts at Scottish Widows.
Retirement advice
Get expert advice on your pension from our wealth management partners at Schroders Personal Wealth.
They can help with a financial plan tailored to you and your needs
Eligibility criteria applies. Fees and charges may apply.
Home and Mortgages
Home has never been so important. Whether you’re renting, want to buy a property or make some improvements, we’re here to help.
You could lose your home if you don't keep up with mortgage repayments.
Want to pay off your mortgage sooner?
Find out how much you could save by overpaying on your mortgage.
Limits may apply.
How green is your home?
Find out how energy efficient your home is with our Home Energy Saving Tool.
Mortgage calculator
See how much you could borrow and what your monthly repayments could be.
Getting your first mortgage
Thinking about buying your first home? Read our first time buyer guide to help you with your mortgage.
Borrow more
If you already have a mortgage with us, you may be able to borrow more for home improvements.
Conditions apply.
Life insurance
Life insurance offers you peace of mind. A lump sum could help pay off your mortgage and any loans or bills, and could include critical illness cover. Provided by Scottish Widows.
Buy-to-let
Find the right buy-to-let mortgage – whether it’s your first or you’re adding to a portfolio.
How to remortgage
If you’re thinking of remortgaging, use our simple tool to find the right option for you.
Wealth Management
Expert advice for you, every step of the way. Wealth management and financial advice from our partners at Schroders Personal Wealth.
Am I eligible?
You need to have at least £100,000 of sole/joint savings, investments and/or personal pensions, and/or £100,000 of sole annual income.
How much does it cost?
It all starts with a free conversation with a member of the Schroders Personal Wealth team. You’ll only pay an agreed fee if you want to go ahead with the financial plan presented by your adviser.
Pension planning
Plan for your later years. Access expert advice to make the most of your pension.
Invest in your future
Schroders Personal Wealth has the expertise to help you make the most of your money, tailored to your needs.
Inheritance tax
Help to pass on your wealth to your family or other beneficiaries, in a tax-efficient way.
Protect your family’s future
Your protection options. Schroders Personal Wealth won't take commission for getting you and your family protected.
How to talk to an expert
Book an initial consultation with a member of the Schroders Personal Wealth team, who'll tell you more about the service, ask about your financial needs and goals, then match you to a specialist adviser.
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. Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited.