Zero Charge For Mortgage Advice
Virtual event on 6th February 2026 at 10:30 – 15:30 With Uniform Mortgages
Uniform Mortgages are running an independent, no obligation mortgage advice clinic to help you secure a competitive rate. We can also secure a rate up to 6 months in advance – so if you have a mortgage now and your fixed rate will be expiring within 6-7 months then please contact us to speak to a Mortgage Advisor today with your requested date, time and best contact number.
If you are interested but unable to attend you can also arrange an appointment at a mutually agreeable time with the Uniform Mortgages team.
To book an appointment please call 01767 316626 or email info@uniformmortgages.co.uk with your requested date, time and best contact number.
If you are interested but unable to attend the clinic you can also arrange an appointment at a mutually agreeable time with the Uniform Mortgages team.
When to seek debt advice and what you can expect from PayPlan
January can be a tough month financially. You may have overspent at Christmas, be catching up on bills or finding that everyday costs are higher than expected.
When money feels tight, the pressure can build quickly – and worrying about debt can feel overwhelming.
Confidential debt advice is available and reaching out early can make a real difference.
When should I get debt advice?
Getting advice sooner rather than later can help prevent your situation from becoming harder to manage. It may be time to seek support if:
- You’re missing or delaying payments, or your budget isn’t stretching to the end of the month
- You’re relying on credit to cover essentials like food or utilities
- You’re worried about creditors contacting you or chasing payments
- Your mental health is being affected by financial pressure
- Your income has changed and you’re struggling to keep up with bills
- You’re feeling overwhelmed and unsure what to do next
Even if you’re not in arrears, early debt advice can help you understand your options and prevent things from worsening.
You don’t need to be in crisis to get support – debt advice is there for anyone who feels unsure or unsettled about their finances.
What you can expect when you contact PayPlan
Whether you come to us directly or are referred by one of our partners, you‘ll speak with a trained advisor who will take time to understand your income, bills, debts and personal circumstances. This helps us provide advice that reflects your situation and what you’re experiencing.
We can support you by phone, WhatsApp, email or Live Chat – whichever feels most comfortable for you. There’s no rush; you can pause and return to the conversation whenever you need time and space.
Your first conversation will usually include:
- A simple income and expenditure budget
This helps you see your full financial picture and may highlight costs you haven’t considered, such as gifts or clothing. - A discussion about your debts and circumstances
This ensures any advice you receive is tailored to your needs. - Clear information about the options available
We’ll explain each debt solution, answer your questions and help you understand what feels right for you.
What you can do next
If you are struggling with debts call us on 0800 072 1206. We’re open from 8am – 8pm Monday to Friday and 9am – 3pm on Saturdays.
Alternatively, you can visit our www.payplan.com/police to speak to us via live chat or more information
How to talk to your partner about money worries
Money can be one of the most emotionally loaded topics in any relationship. If you’re worried about rising bills, overspending after special occasions or an unexpected expense, talking about money can feel stressful or awkward. Avoiding the conversation doesn’t make the problem go away though.
Here are some tips on how to start an open, supportive conversation with your partner to help you get back on track with your finances.
Pick the right moment
Avoid bringing it up in the middle of an argument or an already stressful situation. Try to choose a neutral time when you’re both well rested.
Be honest and avoid blame
Share your feelings on the subject rather than pointing fingers It’s a shared challenge you’re facing together. Instead of saying “we spend too much and we’re in trouble”, try “I’m worried about our finances, could we have a look together and make a plan?”
Focus on shared goals rather than the past
Conversations often go wrong when they turn into a review of who did what. Set joint goals such as paying off debt, creating a budget or building an emergency fund and work together as a team.
Be open about what’s worrying you
Don’t hold back details that affect the bigger picture. Sharing things like “our credit card balance is growing” or “I can’t manage the bills on my own.” helps you both understand what needs attention.
Create a plan together
a simple, actionable plan may reduce money worry. We recommend:
- Creating a monthly budget
- List all your debts and noting the payments that are due
- You may want to speak to your creditors if you’re worried about repayments
- Reviewing your subscriptions and cancelling any you don’t need
- Agreeing to check in on your finances regularly
- Reaching out for debt advice if needed
Keep talking
One conversation probably won’t solve everything, so keep checking in with each other. The aim is to make money a topic you can talk about openly without anxiety.
If it doesn’t feel safe to talk
If discussing money feels unsafe, or you’re worried about how your partner may react, support is available You can contact the National Domestic Abuse Helpline on 0808 2000 247 for confidential advice at any time.
What you can do next
If you are struggling with debts call us on 0800 072 1206. We’re open from 8am – 8pm Monday to Friday and 9am – 3pm on Saturdays.
Alternatively, you can visit our www.payplan.com/police to speak to us via live chat or more information
Motor Source Group Offers – January 2026
Start 2026 the right way with a brand-new car. This January, we’re offering some fantastic savings across a range of popular models. Highlights include the smart #1 with £7,315 off, or the ever-popular Ford Kuga SUV with an impressive £9,590 discount.
Take a look at our latest special offers here: https://police.motorsourcegroup.com/special-offers/monthly-offers?partner=bedfordshirepf
Our dedicated team is on hand to guide you through your options and help you find the perfect car to suit your needs.
Police Mutual Q1 Prize Draw
It’s prize draw time!! Police Mutual are giving Police Officers, Staff, PCSOs, Special Constables and their families the chance to enter a FREE prize draw to win 1 of 4 £600 e-gift cards from a supermarket of their choice, choose from Asda, Marks & Spencer, Sainsbury’s or Tesco.
For prize draw details and to enter click here: https://bit.ly/484OUTO
Terms and conditions apply: https://bit.ly/4pN4dq9
Prize draw ends 31/03/2026.
Please be aware that the link may not work on job computers due to the Force firewall, therefore
please try personal devices as an alternative.
Important Information
The prize draw will take place on 01/04/2026. Prize will be delivered within 48 days of the draw. The prize draw is open to UK residents aged 18 and over. You must be eligible for Police Mutual products. No purchase necessary. One entry per person.
PMGI Limited, trading as Police Mutual is authorised and regulated by the Financial Conduct Authority. Financial Services Register No.114942. Registered in England & Wales No.1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB.
Changes to the Lifetime ISA could be on the horizon
At Police Friendly, we wanted to let you know about a key announcement in the recent Budget about the Lifetime ISA (LISA) – and what it could mean for members of the Police Family.
The Government plans to launch a consultation next year on a new ISA for first-time buyers. This new product may replace the current Lifetime ISA, meaning time could be running out to secure one under today’s broader rules.
Right now, you can save up to £4,000 in a LISA* each tax year and receive a 25% tax-free Government bonus of up to £1,000 annually. Family members can contribute, and you’ll get the 25% bonus on any payments they make too. Our LISA also offers additional tax-free bonuses.
The current Lifetime ISA can be used for your first home or for retirement from age 60. Under the new proposal, the 25% Government bonus may only be added when you buy a home, removing the yearly bonus boost that helps your savings grow even more.
If you are under 40 and don’t yet have a LISA, now could be the time to open one while you can still secure up to £1,000 tax-free from the Government each tax year.
If you already have a LISA, make sure you’re paying in the full £4,000 each tax year to receive the maximum £1,000 tax-free annual bonus.
Plus – we’ve extended our Lifetime ISA Offer for Federation Members! Open a new Lifetime ISA by 31/12/25 quoting AUTUMN25 and receive a £50 Amazon.co.uk Gift Card. T&Cs apply.
*Lifetime ISA qualifying rules apply. See our website for details
Need any help? Call 01689 891454 to talk to one of our friendly, UK-based team. Our lines are open Mon-Thurs 8:30-5:00pm and Fri 8:30-4:30pm.
Men’s Health Month: Check Yourself
We’ve teamed up with the National Police Healthcare Scheme to remind every man to: take a couple of minutes and check yourself.
Regular self-checks and acting early can save lives.
Testicular cancer is one of the most treatable cancers when caught early – so don’t wait, don’t guess, and definitely don’t ignore something that doesn’t feel right.
Check out our simple 4-step diagram to learn what ‘normal’ feels like.
If something feels off, unusual, or worrying? Get checked. No delay. No embarrassment. Just action.
Have a look at the National Police Healthcare Scheme’s latest blog to see what else you can do to protect and prioritise your health, not just this month – but always: https://bit.ly/49ExsXj
#MensHealthMonth #CheckYourself #TesticularCancerAwareness #MensHealth #PoliceFederation #NPHS
Serve and Protect 4% Fixed-Rate Saver
Serve and Protect Credit Union are pleased to announce their latest Fixed-Rate Savings Account.
It’s free to join the credit union and members can open a fixed-rate savings account and lock in a guaranteed rate of 4% AER.
Key details:
✅ 4% AER fixed for 12 months
✅ Balances between £1,000-£10,000
✅No fees or charges
✅Available between 1st to 29th December 2025
If you’d like to learn more about eligibility, terms, or how the account works, please visit: sandpcu.co.uk/fs11
For any questions, please contact Serve and Protect Credit Union
Accord – Free Wills for Police Officers and Staff
Accord Legal Services are offering free wills for all police officers and staff. To arrange your free consultation, call 01744 807048, or email police@accordwills.co.uk.
