Business Details
Your Trusted Mortgage and Savings Partner in Stoke-on-Trent
Established in 1854, we have built a legacy of providing accessible financial solutions to our members. Our expertise lies in offering innovative mortgage products, including 100% mortgages with no deposit required, alongside a range of savings accounts tailored to individual needs. As a member-focused institution, we prioritise financial empowerment through transparent services and community engagement. Our team delivers personalised support via multiple branches and digital platforms, ensuring accessibility for all customers. Regulated by the Financial Conduct Authority and Prudential Regulation Authority, we maintain rigorous standards of financial integrity.Our leadership transition in 2025 reflects our commitment to evolving with member needs while preserving core values. Through initiatives like children's savings programs and financial literacy campaigns, we reinforce our social responsibility. Our operational efficiency is demonstrated through clear underwriting timelines and intermediary support services. With physical locations in Stoke-on-Trent and surrounding areas, we combine local presence with national regulatory compliance. Our digital infrastructure enables secure online banking, maintaining modern convenience without compromising traditional service principles.
Services
Mortgages
Savings Accounts
Online Banking
Rent to Own Mortgages
Member Support
Highlights and features
- We offer 100% mortgages with no deposit requirements since 1854
- Our team provides personalised financial support through 6 local branches
- We maintain FCA and PRA regulatory compliance for financial security
- Our digital platforms enable secure 24/7 online banking access
- We deliver transparent mortgage advice with clear underwriting timelines
Associations and certifications
- Financial Conduct Authority
- Prudential Regulation Authority
Services
Mortgages
We provide a range of mortgage products including 100% loans with no deposit required. Our expert team offers personalised advice to help customers find suitable home financing solutions. With competitive rates and flexible terms, we support both first-time buyers and experienced property investors.
Savings Accounts
Our savings accounts offer secure options for customers to grow their money. From easy-access accounts to fixed-rate bonds, we provide competitive interest rates with varying terms. We also offer children's savings accounts to promote early financial education.
Online Banking
Our secure online platform enables 24/7 account management. Customers can monitor balances, transfer funds, and manage mortgage accounts through an intuitive interface. The system incorporates advanced security measures to protect financial transactions.
Rent to Own Mortgages
This innovative product allows customers to rent a property while saving for a deposit. We structure agreements that combine rental payments with mortgage preparation, providing a pathway to homeownership for those needing additional time to accumulate funds.
Member Support
Our dedicated support team assists members through multiple channels including phone, online chat, and branch visits. We provide financial guidance, account management assistance, and mortgage application support during extended weekday hours.
Questions
What mortgage options are available for first-time buyers?
We offer 100% mortgages with no deposit required, alongside traditional loan products with competitive rates for first-time buyers.
How can I access my savings accounts?
Savings accounts can be managed through our online banking platform, mobile app, or by visiting any of our six local branches.
Are there special accounts for children's savings?
Yes, we provide dedicated children's savings accounts with features designed to encourage financial literacy from an early age.
What are your branch opening hours?
Our branches operate Monday to Friday from 9:00 to 17:00, with temporary adjustments during special events like our annual communication day.