If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

Plan your financial future. Today.

Dreaming of a brighter future? Make the most of your money with our wide range of products, services, tools and more. Our Financial Planning Centre helps by bringing your options into one place. So it’s easy to find just what you need.

It's never too early to start planning the future you want.

Tailor your search

Our handy tools and information can help you plan your finances. Expand the section below and refine your search based on your individual needs.

Planning ahead:

Retirement tips for the over 50s



Retirement and Pensions

It’s easy to lose focus on future plans when your life’s busy, but there’s no better time than the present to think about your future. Whether you’re close to retiring, far from it, or already there, together with our pensions expert Scottish Widows we could help you.

Ready to retire?

Whatever the future holds, take steps now to make sure you’re retirement ready. We’ve got a checklist to help you think about your pension, before you make any big decisions.

Over 50s pension tips

Pensions in one place

Most of us have quite a few different jobs over our working life which means different pension pots in different places. Bringing your pensions together can make them easy to manage. You could also save money.

Show me how

Pension Calculators & Tools

Check overpayments and tax options with handy tools from our pensions expert Scottish Widows.  

Use tools

Coronavirus and your pension

If you’re worried coronavirus may have impacted your pensions or investments, our pensions experts Scottish Widows can explain more. 

Watch our expert sessions

Changing futures

To help get the UK planning for a changing future, our pensions expert Scottish Widows has partnered with Channel 4 for Pension Awareness Day 2020.  

Learn more

Meet your future self

Take a look at your future self and find out what age you could retire with this fun tool from our pensions expert Scottish Widows.  

Get started

Plan for your future

For over 200 years our pensions expert Scottish Widows has guided people through good times and bad, take a look at their videos and articles on how to plan for your future.  

Taking on your future

Savings and Investments

Savings accounts are an easy way to keep your money safe. Although they’re low risk, your returns can be affected by changing interest rates. So you might want to think about investing your money as an option instead. Investments carry a higher level of risk, but could help your money to grow faster.

Remember: When investing, your capital is at risk. If you are unsure about investing, seek independent advice. Tax treatment is subject to your individual circumstances and is subject to change in the future.

Ways to invest

Manage your own investment portfolio or select a risk level and let us do it for you. We have a wide range of options to suit all levels of investment experience.

Investment options

Investing in a volatile market

Research is key and when the stock market is volatile, it’s essential. Our handy checklist of things to ask yourself before investing can help.

Go to Checklist

New to investing?

Do you think you’re nearly ready to invest? Our 5 step guide can help you get going on your investment plans and goals.

Read our beginners guide

Understanding risk

Being an informed investor means understanding risk. Take time to read about what the different types of risk are.

Read our helpful guide

Home Ownership and Mortgages

If you’re looking to own your first home, moving to your next, want to remortgage, have a property portfolio or are renting, we’re here to help you. 

You could lose your home if you do not keep up mortgage repayments.

Renovate and Remortgage

If you’re thinking about extending or renovating your home you might want to remortgage or take Additional Borrowing. Get started today and see your options.

Mortgage options

Buy to let

If it’s your first buy to let or you’re adding to your property portfolio – we have a range of buy to let offers.

Find out more

Wealth Management

Expert advice for you, every step of the way. We’ve partnered with Schroders Personal Wealth, to give more of our customers access to wealth management and financial advice. A Schroders Personal Wealth Adviser will learn about your personal circumstances and aspirations, and develop a plan you can have confidence in.

Are you eligible?

To benefit from Schroders Personal Wealth management services, you’ll need to have at least: £100,000 of sole/joint savings, investments and/or personal pensions, and/or £100,000 of sole annual income.

Check conditions

Invest in your future

Access investment management services and financial products to suit your needs with a Schroders Personal Wealth Adviser. And choose the level of risk you’re comfortable with.

Expert advice

Pass your wealth on

Give yourself peace of mind by arranging to pass your wealth on in a tax-efficient way with the help of our expert wealth advisers.

Plan to pass wealth on

Protect your family’s future

From life insurance to critical illness cover and more, Schroders Personal Wealth can help you look at what’s right for you.

Ways to protect

Plan your retirement

Schroders Personal Wealth Advisers will check your pension now and help you plan ahead for the savings and retirement income you’d like.

Planning help

Wealth Management costs

Schroders Personal Wealth will always be clear about any fees for advice and charges for third party products.

Check fees and charges

How to talk to an expert

Speak to a Schroders Personal Wealth Adviser, from the comfort of your own home. It’s easy to do via our video online chat or by phone. Book your free, no obligation appointment today.

Book an appointment

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.