Retirement products

Not eligible for a Workplace pension or want to supplement your pensions savings?

A Personal Pension is a flexible, tax-efficient way of saving for your long-term future. Open with £100 or transfer one or more of your pension pots. Learn more about personal pensions and how they can support you.

Already in a workplace pension or received an enrolment notification?

Learn how to make the most of your workplace pension and the benefits of saving now.

Use your pension pot to buy a guaranteed, regular income for life.

Peace of mind knowing exactly how much you’ll receive and when.

Take up to 25% of your pension pot as a tax-free lump sum.

Use your pension pot to buy a regular income for up to 25 years

Could be a tax-efficient way to take cash or use as a bridge to a future date when another source of income starts.

Take up to 25% of your pension pot as a tax-free lump sum.

Use your pension pot to buy a regular income for up to 25 years, with a lump sum at the end.

Security of regular income for a set period, and various options on what to do with your lump sum once the plan has matured.

Take up to 25% of your pension pot as a tax-free lump sum.

Take up to 25% of your pension pot as a tax-free lump sum.

Invest the rest with the flexibility to access the remainder of your pot when you want.

Pension planning advice from our team of expert financial advisers.

Our advisers are regulated by the Financial Conduct Authority (FCA) to give pension advice on an impartial basis. That means they won’t just include our products in the recommendation they give you – if there’s a better option available, they’ll let you know.

A form of equity release for over 55s. The amount borrowed plus interest doesn’t need to be repaid until you die or move into long-term care.

You can use the money to repay an existing mortgage or spend it on something else.

The amount you can borrow is determined by your age and property value and there’s no affordability assessment. You have the option to pay all, some or none of the interest

A form of equity release for ages 50 and over and in employment. The amount borrowed plus any unpaid interest doesn't need to be repaid until you die or move into long-term care.

You can use the money to repay an existing mortgage or spend it on something else.

The amount you can borrow is determined by your age, property value and affordability assessment. You have to pay all of the monthly interest for an agreed Payment Term which cannot exceed your retirement age or your 75th birthday. As a last resort, your home may be repossessed if you do not keep up payments.

A type of residential mortgage for over 55s, the amount borrowed doesn’t need to be repaid until you die or move into long-term care.

You can use the money to repay an existing mortgage or spend it on something else.

You can borrow up to 60% of the value of your home and need to be able to afford the monthly interest payments. As a last resort, your home may be repossessed if you do not keep up payments.