Police Friendly

Finance

Police Friendly: helping the entire Police family plan for the future

After 132 years of proudly standing with the policing community, Metfriendly is excited to introduce Police Friendly – a powerful new chapter in our mission to bring trusted, straightforward financial support to the whole UK Police family.

From serving Officers to Police Staff, a Special, retired, or part of the extended police
family, Police Friendly is built for you.

Whether you’re saving for the future, protecting your family, or looking for trustworthy
financial guidance, Police Friendly is here to make that simple and stress-free.

Why Police Friendly?

Annette Petchey, CEO says: “We’ve always been there for London’s Officers,
now we’re here for all of UK policing.

“Our new identity makes one thing clear: wherever you serve, Police Friendly is here
to support you.

While Metfriendly continues to serve London forces and our current Members,
Police Friendly opens the door for officers and their families across the nation to
access the same trusted support.”

Why Police Friendly?

We are a not-for-profit organisation, operated for the benefit of the Members and the wider police family
Driven by your needs, and committed to providing a service with the police family in mind.
Built to serve the wider police family across the UK – and that includes extended family.

Annette added: “We recognise that policing isn’t like other jobs – it comes with
pressures most people don’t see.

“That’s why Police Friendly offers more than just financial products – we provide
peace of mind.”

Our police-centred services include:

Flexible savings and investment options.
Life protection plans built around policing risks.
Expert-led financial education and webinars.
Compassionate, knowledgeable member support.
Ongoing investment in wellbeing and community initiatives.

Our services are open to current and former Officers, Staff, Specials and their
extended families.

Annette ended: “Police Friendly is an exciting step forward for us. We have built this
new brand with you, and for you – both current and future members played a key role
in shaping it.

“Police Friendly reflects who we are today and where we’re going tomorrow.”

If you are a current Metfriendly member, there is no need to change how you contact
us – everything remains the same.

Find out more about Police Friendly by visiting policefriendly.org.uk

Website

PayPlan

Finance

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 Bedfordshire 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.

See more here

Take Control after Christmas

Now the fun and festivities of Christmas are behind us, it’s time to set ourselves up for the upcoming year financially.

Many people turn to credit in order to get through the festive season, and if you’re one of them – there are things you can do to get yourself back on track as soon as possible;

Get out the calculator and work out exactly what you owe

Shying away from the issues won’t help!

What do you have spare each month?

Whatever it is, dedicate as much as you can to paying off those credit card bills.

Be realistic in what you plan to pay every month

Missing your target can be demoralising and you may not feel like you’re getting anywhere.

Keep away from the cards and don’t be tempted to use them

Even the odd purchase here and there can set you back more than you’d think.

Give yourself the peace of mind that getting your credit card bills paid does for you

You can’t put a price on knowing you’re up to date (or getting there) paying what you owe!

Uniform Mortgages

Finance

Free Mortgage Advice From Uniform Mortgages

Next FREE mortgage advice session: 13th June

In conjunction with Bedfordshire Police Federation, Uniform Mortgages Ltd will provide you with a professional, friendly and co-ordinated mortgage service.

Part of our commitment to you means we will not charge you a fee for the advice we provide.

For Police Officers and staff, we do not charge a fee for our service as we are paid by the lender. If you prefer you can pay us a broker fee of up to 0.5% of the loan and receive the lender fee yourself.

Our Independent Mortgage Advisor, Mustafa Nurettin, will arrange a no-obligation mortgage appraisal for you, which can be conducted in your own home.

Once you have decided on your chosen mortgage product we continue to assist you by co-ordinating the mortgage process from aplication to completion. We will liaise with both lenders and solicitors on a regular basis to obtain updates on the progress of your application to ensure we keep you fully informed.

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

Uniform Mortgages 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 on the below details to speak to a Mortgage Advisor today.

To book an appointment please call 01767 316626 or email info@uniformmortgages.co.uk with your requested date, time and best contact number (PLEASE QUOTE Beds1).

If you are interested but unable to attend the surgery you can also arrange an appointment at a mutually agreeable time with the Uniform Mortgages team.

Important Update – February 2024

The first base rate meeting of 2024, interest rates are staying at 5.25%.

We are now seeing mortgage lenders move their interest rates independent of changes to the Bank Of England base rate

Much of this is down to the lender’s cost of borrowing and where they see interest rates longer term.

The learning point here is that if you are looking at fixed rate borrowing then don’t assume it is all about what the Bank of England do, rates are moving all the time.

If you are 6 months or less away from your Fixed rate expiring or you are looking to buy your new home or home improvements then please contact us on the below details to speak to a Mortgage Advisor today.

Suite 6
Baystrait House
Station Road
Biggleswade
Beds
SG18 8AL

Tel: 01767 316626

Email: info@uniformmortgages.co.uk

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Serve and Protect

Finance

Serve and Protect Fixed Cash ISA | Guaranteed Tax-Free Return of 4%

Serve and Protect Credit Union have launched a Fixed Cash ISA for the 2025/26 tax year giving employees within the Police, Prison, Military, Fire and Health Services the opportunity to earn a guaranteed tax-free return of 4% AER (Annual Equivalent Rate).

Minimum effort, maximum return: Start depositing from as little as £5 and up to a maximum of £20,000 for the 2025/26 tax year.
Attractive returns: Enjoy a guaranteed tax-free return of 4% AER, allowing you to earn more from your savings effortlessly.
Safety assured: Rest easy knowing your savings are protected up to £85,000 by the FSCS (Financial Services Compensation Scheme).

For people, not profit.

Serve and Protect Credit Union prides itself on being more than just a financial institution. As a not-for-profit, by opening an account, you can make a real impact to the lives of those who serve and protect our nation. Your support provides crucial funds to help fellow colleagues seeking affordable credit.

For more information or to apply please visit: https://serveandprotectcu.co.uk/save/cash-isa/

Fixed-Rate Savings Account – Now Available

A quick update: a new issue of the fixed-rate savings account from Serve and Protect Credit Union is now available. This is part of the financial wellbeing benefits you have access to as an employee. 4% AER fixed for 12 months No fees or surprises This is simply for your awareness—it’s not a recommendation. Please take a look and decide if it’s right for you. The account is available to apply for until 26 June 2025 and you need to become a member first – which is free.

You can learn more here: Https://sandpcu.co.uk/bedsp-fs

Terms and eligibility criteria apply.

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CopperPot

Finance

A convenient place for coppers to save their coppers

Our aim is to build a community bank for the Police Family to regularly save, affordably borrow and increase financial education.

Keep your finances in check with our Member Account. No charges, no fuss! Exclusively for the police family, saving with us is as reassuring as a cuppa after a long shift. Here’s why you’ll love saving with us:

Start saving from just £5 a month
Save and repay direct from payroll
Withdraw anytime without penalties

Once you’re a member of No1 CopperPot Credit Union you are welcome to apply for loans and mortgages. Whether you’re looking to finance your new car or need help when your boiler unexpectedly breaks down, our Member Loan could help you. Or you may want to consider ways to readjust your existing debts and read more about our Consolidation Loan.

Visit our website to read more: www.no1copperpot.com

Missed loan repayments could have a negative impact on your credit file.

All loans are subject to affordability and our lending criteria.

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