Metfriendly

Join 1,000s of your colleagues who are saving with us.

Metfriendly has offered financial solutions and much more to support the Police and their families for over 130 years.

Start saving today

  • You don’t need to be a financial expert – we’ll do it all for you.
  • Choice of simple savings solutions that provide a steady return.
  • You’ll be joining a Mutual Friendly Society, so all profits will be invested for the benefit our Members.
  • Available to all UK Police services and their extended families, including those that have left the service or are retired.
  • Access to financial guidance with face-to-face or virtual meetings available, and FREE educational seminars on a wide range of financial topics.

Find out more today.

Alternatively, if you have any questions or would like more information, call Member Services on 01689 891454 (Monday to Thursday, 8:30 to 17:00, Friday, 8:30 to 16:30)

As well as providing a more financially secure future for Officers, Staff and their family members, we also support a wide range of Police initiatives, charities and events, both practically and financially.

Handy Police relevant information at your fingertips

UK Police pay scales guide.

Particularly popular with Officers is our Police Pay Scales Guide

Events and seminars with experts to offer you a helping hand.

We offer FREE educational seminars covering a range of finance-related topics whatever you’re planning for in life.

Sponsorship and support for our Police Family.

We support a range of associated organisations, charities and initiatives across the service.

We’re a safe pair of hands and your money is protected!

We’re with you from day one of your Police journey – from passing out to retirement and beyond.

From maximising your tax-free allowance with our comprehensive range of ISAs to competitive fixed-term savings plans and protection solutions – there’s something for everyone.

All our plans are protected by the Financial Services Compensation Scheme (FCSC), so everything you save with us is 100% protected.

Saving with Metfriendly – at a glance

From just £20 a month.

  • 10 Year Savings Plans – from £25 per month with rolling options, so that you could receive a pay-out every year!
  • Lifetime ISAs – Up to £1,000 of FREE Government money each tax year to help 18–39-year-olds get on the property ladder, or as an additional tax-free pay-out from aged 60. As much as £32,000 is available if the full £4,000 Lifetime ISA allowance is saved each tax year
  • 5 Year Savings Plans – Starting from just £20 a month, with the option of rolling plans each year
  • Childrens’ Savings – Junior ISAs from £30 and/or £25 a month in a tax-exempt Friendly Society plan.

Available for UK Police Services and extended family members, too!

Metropolitan Police Friendly Society Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

(Firm ref No. 110026).

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 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

Free Mortgage Advice From Uniform Mortgages

Next FREE mortgage advice session: 13th September 2024, 10:30-15:30

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

CopperPot

We offer savings, loans and mortgages, exclusively to the Police Family.

Helping you to save

Our main purpose is to encourage you to start saving. Whether it’s putting money aside for a holiday, starting to save for Christmas, or being prepared for an unexpected bill, having savings is important. You can start saving with us today from as little as £5 a month!

  • Join today by saving between £5 – £1,000 per month
  • Manage your account online or through our app
  • Access your savings instantly with no fees
  • Surplus profits are paid back to savers as an annual dividend
  • Your savings are covered by Life Protection

Start saving now!

Helping you to borrow

Whether you are looking to complete some home improvements, purchase a new car or consolidate existing debt, we could help you to finance it.

  • Loan calculator available on our website
  • Loan applications are based on affordability, not your credit score alone
  • No representative rates, the rate you see is the rate you get
  • Repay your loan fully or partially at any time with no fees

All loans are subject to affordability and our lending criteria.

Find a loan to suit you

Helping you with your home
Are you looking to buy your first home, move home, or remortgage? We could help you as we offer up to 95% Loan to Value mortgages.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Get in touch

You can visit www.no1copperpot.com, phone 0161 741 3160, or email us at info@no1copperpot.com.