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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


Yorkshire Bank

Yorkshire Bank continue to have a market leading mortgage campaign with rates as low as 1.79% for re-mortgages and they will pay your legal and valuation fees if you use their Panel Solicitors and Valuers. They feature within the top lenders in the mortgage best buys with their very competitive rates e.g Their 5 Year fixed rate ( Re- mortgage Special) presently at 2.34% which has a loan to value of up to 75%. There is currently a First Time Buyers Package from 2.49%.

We feature within the top lenders in the mortgage best buys with very competitive rates and some selected products have no arrangement fees. All Rates and Incentives are subject to the relevant Terms & Conditions at that time which can change.

A £500 cashback incentive will be available to customers who are buying a property, Re-mortgaging from another lender or releasing equity, with a minimum new borrowing requirement of £75,000 and will be available on a range of products across both the Retail and Private mortgage ranges in September through to November 2019.

To book an appointment with Heidi and have a personalised indicative quotation she is attending our Federation Office on Monday 30th September from 10am until 3pm. Please contact The Federation Office on 01772 412520 if you would like to make an appointment Alternatively, please contact Heidi Colman directly by either email at heidi.colman@cybg.com or you can phone her on 07767 870283 .






Police Mutual is a mutual: here to deliver financial products, services and support to the Police and their families.

Our profit is given back to our Members, either through investing to improve the products we offer, providing free financial education or being there when you need us.

It's about keeping all the benefits within the Police family.


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No1 CopperPot Credit Union offers savings, loans and mortgages exclusively for the Police Family.

  •  Save between £5 and £1,000 per month through LancashirePolice payroll
  • Withdraw your savings at any time with no penalty
  • Apply to borrow up to £25,000 unsecured as soon as you join
  • Earn your share of our profits in the form of an annual dividend ( Click here to view our previous rates )
  • Life Protection is included on your savings and loans ( Click here to view our previous rates )

For more information or to join please visit: http://www.no1copperpot.com/

No 1 Copperpot - Mortgages



No1 CopperPot Credit Union offers mortgages exclusively for the Police Family. We have payroll deduction available with Lancashire Police, allowing you to repay your mortgage directly from your wage.

  • 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 Advisors
  • Personal service from start to finish

You can arrange to speak to one of our Mortgage Advisors you can request a call back

Alternatively you can visit our website by clicking here

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


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.


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 based on an analysis of a number 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