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THE MORTGAGE WILL BE SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Bank of England Base Rate decreased by 0.25% to 3.75% on 18 December 2025
Savings: Interest rates for Windfall Bond will decrease by 0.25% from 1 January 2026. We will write to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 January 2026 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.
Important update to the Financial Services Compensation Scheme (FSCS) deposit protection limit
From 1 December 2025, the FSCS deposit protection limit for your savings will increase to £120,000, up from £85,000. Read more.
Payment Difficulties
If you are suffering from financial hardship, or expect to do so in the near future, please get in touch with us so we can try and find a solution for you. This may include rearrangement of a repayment mortgage to Interest-Only (or part repayment, part Interest-Only), term extension or a combination of these. More details are available here.
Secure messaging
As the security of your data is of paramount importance to us, National Counties Building Society has chosen to provide customers with an additional, secure method of communication via our Secure Messaging portal. Powered by Mimecast, the Secure Messaging portal offers a safe and straightforward way for us to discuss account specific information with you, securely send you electronic files, or securely receive electronic files from you. For more information, click here.