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Welcome to National Counties

A safe home for your savings

  • As a building society, National Counties is a mutual organisation, owned by its saving and borrowing members and thus not subject to Stock Market fluctuations

  • It is independent and not a subsidiary of any larger group

  • The majority of its borrowings (over 80%) are raised by deposits from individuals

  • Its financial strength, as measured by the capital ratio, is excellent and its conservative approach to lending means that it has very low mortgage arrears 

  • National Counties is a member of the Financial Services Compensation Scheme, providing protection for your savings.

National Counties Building Society is committed to its status as a mutual organisation, run for the benefit of its Members. It is the UK's largest single office building society and, from its headquarters in Epsom, Surrey, the Society provides a professional service to over 50,000 customers throughout England and Wales.
Our mortgage products are designed to meet the different needs of our customers and are underwritten by a dedicated team of underwriters who look at each case on an individual basis. This conservative approach to lending has resulted in the Society experiencing a low level of default on its mortgages.

The Society's experienced and qualified staff strive to maintain the highest standards of customer service. An internal complaints procedure exists with ultimate recourse for dissatisfied customers to the Financial Ombudsman Service.

National Counties’ Group Assets increased in 2015 to £1,569 million supported by reserves of £114 million. The Group’s Gross Capital ratio of 8.59% compares favourably with the average for our society peer group based on 2014 results of 7.16% (source: KPMG Building Societies Database 2015) and our Common Equity Tier 1 ratio, commonly used to compare financial institutions’ capital strength, at 22.3%, continues to provide much envied financial strength.

Financial Information
2015 Annual Report and Accounts
2015 Summary Financial Statement

2014 Annual Report and Accounts
2014 Summary Financial Statement

2013 Annual Report and Accounts
2013 Summary Financial Statement

Annual General Meeting 2015
Annual General Meeting Results

Capital Requirements Directive - Pillar 3 Disclosures
Publication of the attached document is required under the Capital Requirements Directive as described within the introduction section of the document.
Pillar 3 Disclosure

Country by Country Reporting
Country by Country Reporting 2015 - Please see Note 33, page 103 of the audited 2015 Annual Report & Accounts (link above) for this disclosure.

Country by Country Reporting 2014

Society Rules, 2014 Edition
Society Rules, 2014 Edition

Society Memorandum, 1998 Edition
Society Memorandum, 1998 Edition

National Counties launched the Family Building Society in July 2014, specifically to help all generations of families. The Family Building Society was set up to help tackle some of today's most pressing financial problems, by offering a wider set of financial solutions than a traditional building society. Please have a look at our Family Building Society website.

National Counties will continue to provide you with the same value for money savings accounts and mortgages, with traditional principles of personal service.

Useful information

Principal Office
Ebbisham House
30 Church Street, Epsom
Surrey KT17 4NL
Counter Services
Ashley Square
Surrey KT18 5DD
Fax: 01372 745607

Contact us

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Firm Reference No. 206080