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Blues and Twos Credit Union celebrated 25 years during February 2017. Offering simple savings and accessible loans at great rates to present & retired police employees and their families.

"Employees and their families are encouraged to SAVE as You Borrow"


Saving a minimum of £10 each month puts by something for a rainy day or emergency. Loans up to £7,500 in the first six months of membership and up to £25,000 thereafter are available online using the straight forward online application. Check out the Loans Calculator at www.bluesandtwos.org.uk to help you decide on a loan to best suit your needs and finances. A portion of the interest charged on loans goes towards credit union running costs and the remainder is returned to you in the form of an Annual Dividend. All profits stay within the membership.

Helping members Save easily with salary deduction & borrow at affordable rates, is our job!

All savings are 100% safe, covered by the Financial Services Compensation scheme (FSCS). Free Life cover was recently extended to age 75 covering your savings up to £3000 and your100% of your loan (T&C's apply)

FREE to join / FREE life cover /Borrow up to £7,500 in first 6 mths of membership
Deductions direct from your pay or pension
Visit www.bluesandtwos.org.uk or Tel 01772-618833
Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority


Payplan

Yorkshire Bank

Yorkshire Bank has announced a market leading mortgage campaign with rates as low as 1.69% for re - mortgages and they will pay your legal and valuation fees if your use their panel solicitors and valuers. They feature top of the mortgage best buys with their very competitive rates e.g Their 5 year fixed rate at 2.79%. Also, they have selected products with no arrangement fees and a First Time Buyers Private Exclusive package from 3.19%.

In addition, they also have a current account switching incentive offer of £150.00 for a limited period.

For further information or a personalised comparative quote please contact Lorraine Sutter at Yorkshire Bank by either email at lorraine.sutter@eu.nabgroup.com or you can phone her on 07793 516297.


Payplan


Free and Confidential Debt Advice For The Police Service

Money worries are constantly on the minds of many, and the stress of having to cope with this - coupled with the effect it can have on work, family life, health and relationships - can be all consuming. Sharing these concerns with the people closest to you isn't always an option for everyone, but ignoring these worries can make things worse.

PayPlan have been working with Lancashire Police Federation to provide free comprehensive advice, guidance and support for anyone struggling with their finances. Our purpose is to help you take back control of your money.

For over 20 years, PayPlan have been helping Police Officers in difficult financial situations and during that time have developed a wide range of practical, long-term solutions that can not only help to manage your money, but also enable you to live your life. We believe that you can, and should, live a happy life whilst repaying your debt.

For free, confidential and impartial money advice, you can call PayPlan on 0800 009 4146 or visit payplan.com/police. You'll find our team of trained advisers understanding of your situation and always on hand to help you find a solution that fits your life. They will never tell you what to do, but they will offer you best advice, share their experience and help you every step of the way.


The Money Advice Service

Dear Customer,

Almost a quarter of Brits are determined to take a holiday at least once a year, says a new report from Mintel. But everyone wants to get the best deal on fun in the sun (or snow, or city), and there are lots of ways to get your trip for less. Find out how to cut costs on your travel, currency and insurance cover.


Police Mutual

Free Mortgage Clinic 16 March 2017

Police Mutual Exclusive New Mortgage Deal





No1 CopperPot Credit Union is the biggest credit union in England and Wales, and the biggest Police credit union in the UK. We offer a range of savings, loans and mortgages. Whether you're a saver or a borrower, we have something to suit you.

  • Save between £5 and £1,000 per month through Sussex Police payroll
  • Withdraw your savings at any time with no penalty
  • Borrow up to £25,000 unsecured
  • Mortgages of up to 90% Loan to Value
  • Earn your share of our profits in the form of an annual dividend
  • Life Protection is included on your savings and loans (subject to terms and conditions)
  • Once a member always a member, even if you leave the Police force.



No 1 Copperpot - Mortgages

No1 CopperPot Credit Union offer mortgages exclusively to the Police family. A huge benefit of getting a mortgage with No1 CopperPot Credit Union is that you can repay your mortgage through your payroll, making repayments even easier. We have payroll deduction available with Lancashire Police, allowing you to save or repay any debts directly from your wage.

Why No1 CopperPot Credit Union…
  • You can buy your first home, move home or remortgage
  • Repay direct from your wage
  • No application or arrangement fees
  • Loan to Value of up to 90%
  • Borrow from £25,000 - £500,000
  • In-house Mortgage Specialists
  • Personal service from start to finish

You can arrange to speak to one of our Mortgage Specialists by requesting a call back here: https://www.no1copperpot.com/mortgages/request-a-call-back/

Alternatively you can visit our website for more information: www.no1copperpot.com

Your home may be repossessed if you do not keep up repayments on your mortgage.


Barron Financial Solutions - Free no Obligation Mortgage & Insurance review surgery

Would you like to benefit from a free no obligation professional consultation for your new mortgage?

At Barron Financial Solutions, we can steer you through the mortgage minefield to ensure that you emerge with a deal that is tailored to your individual needs and circumstances. For first charge regulated mortgages we offer a comprehensive range from across the market and with access to the latest technology, we are able to source a new mortgage whatever your requirements.

Your dedicated adviser, Stephen Brown, has years of experience in this field and is on hand to help with any queries or advice required 24/7.

Call us now on 0800 5870140 or 07977 133743 or drop us an email on office@barronfs.co.uk and see what we can do to help. Visit their website www.barronfs.co.uk.

As part of our service, we can also review any existing insurance policies to see if they still fit in with your requirements, to ensure you are fully covered and paying the right premium for the right cover.

This initial no obligation review is designed to streamline your cover and save you money by arranging cheaper cover.

We conduct monthly surgeries for all police officers and staff, so please speak to your Federation Office to find out when the next surgery is taking place. However, for your convenience, we can also come to see you at your home address, during the day, evening or weekends, at a time that is suitable to you.

Give us a call now - what have you got to lose!

Your home may be repossessed if you do not keep up repayments on your mortgage.

We do not usually charge for administering your mortgage application as we receive commission from the lender. Alternatively, you can opt to pay 0.4% of the value of the loan and receive a refund of the commission from the lender on completion.

For protection insurance we offer products from a range of insurers.


Inland Revenue - Tax Relief on subs

As a police officer, you are entitled to claim back your tax on professional subscriptions and for uniform cleaning expenses - download the pro forma letter (below) to enable you to make this claim.

We do recommend however, that if you have any other business interests it may be wise to contact a Tax Advice company, such as The Tax Refund Co on 0845 058 2228, who will look into this for you prior to submitting it to the Inland Revenue - there will only be a charge if your claim is successful.

Tax pro forma letter