Unity Mutual

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“Friendly team

Quick response and friendly people.”

Thank you! We’re always delighted to receive such positive feedback about our team. Providing friendly service and responding quickly to our customers' needs is something we take great pride in, so it's wonderful to hear when we've made a positive impression.

Want to learn more about the products Unity Mutual offers? Visit https://www.unitymutual.co.uk/

T&Cs apply.

New Government guidance has revealed more details on the ISA changes coming into effect on 6 April 2027.

Previously confirmed changes include:

👇 Cash ISA allowance for under 65s dropping to £12,000.
☝️ Cash ISA allowance for people aged 65 and over remaining at £20,000.

Total ISA allowance remains at £20,000 for everyone.

New guidance issued on 23 June 2026 offers further clarity on the changes that may affect savers from April 2027:

💷 A 22% charge will apply to interest earned on cash held within stocks and shares ISAs or innovative finance ISAs.

This 22% charge doesn’t apply to the balance of the account, only the interest earned.

✈️ Under-65s will no longer be able to transfer from non-cash ISAs (stocks and shares or innovative finance ISAs) into cash ISAs, and moving money into a cash ISA may count towards their annual allowance.

These rules are set to take effect from 6 April 2027.

There are additional changes coming into effect, read more on the GOV.UK website, and ask any questions in the comments.

The post is intended for general informational and educational purposes only and should not be considered advice.

We do our best to provide accurate and up-to-date information, but please keep in mind that rules and regulations can change.

How are Lifetime ISAs helping first-time buyers save for a home?

As of 2024/25, 314,600 savers have used a Lifetime ISA to buy their first home.

A Lifetime ISA could help boost your deposit savings if you’re planning to buy your first property:

✅ Save up to £4,000 each tax year
✅ Receive a 25% Government bonus up to £1,000 annually
✅ Designed to help first-time buyers build a home deposit
✅ Plus, with Unity Mutual, earn a 4% AER on top

Every contribution brings you one step closer to owning your own home.

With recent discussion around new savings options for first-time buyers, now could be a good time to learn more about how a Lifetime ISA works and whether it suits your plans.

Find out more and start your Lifetime ISA journey today:
https://www.unitymutual.co.uk/lisa

T&Cs apply. Lifetime ISA rules and withdrawal restrictions apply.

If you were born between 1 September 2002 and 2 January 2011, you may have a Child Trust Fund in your name.

But what is a Child Trust Fund?

There are some key differences between a Child Trust Fund and other Children’s savings accounts, including:

🏦 They were a government-backed scheme
👶 They were opened for all eligible children
🔒 They can’t be opened anymore
💷 You can contribute up to £9,000 birthday to birthday up to age 18

If you think you might have a Child Trust Fund in your name and want to learn more, read our helpful guide: https://www.unitymutual.co.uk/knowledge-hub/what-is-a-child-trust-fund/

HMRC figures show more than 750,000 18-23 year olds have yet to claim their matured Child Trust Fund.

Here are some of the reasons you might not know you have one:

📋 Your details aren’t up to date
🏬 Your provider has changed
🤖 The account was opened automatically

Top tip: ❌NEVER❌ pay someone to help you find your Child Trust Fund

Finding a lost Child Trust Fund is straightforward and free!

Our guide outlines the process, issues you may encounter, and how to overcome them. Read it now and find out if you have a lost Child Trust Fund: https://www.unitymutual.co.uk/knowledge-hub/how-to-find-lost-child-trust-funds/

We love celebrating colleagues who make a difference in their communities.

This Pride Month, we’re shining the spotlight on our Marketing Executive, Zoe, who has been volunteering with Salford Pride over this last year. We caught up with her to hear about her experience and what Pride means to her.

What made you decide to get involved?

“I saw the hard work of all the volunteers at Salford Pride to put on events each year for the LGBTQIA+ community and wanted to be even just a small part of helping bring those spaces to our community.”

What does Pride mean to you?

“Pride is about ensuring the LGBTQIA+ community have safe spaces to celebrate and be their authentic themselves, whilst continuing to champion for equality.”

Thank you Zoe, for sharing your experience and for the time and dedication you give to supporting your local community.

We are incredibly proud of all our colleagues who volunteer their time to support causes that matter to them.

Happy Pride Month!

According to a 2025 report led by the London Foundation for Banking & Finance 39% of UK adults don’t feel confident managing money.

The first step to feeling comfortable with managing your money is always the hardest, but taking the time to educate yourself or a family member can really pay off.

Here are a few ideas of what you could try boost your confidence with money:

🖱️Read a finance blog
📕Buy a beginner’s finance book
🧹 Tidy up your finances

These are just a few suggestions to try out, and there are many more resources available to help increase your financial knowledge.

If you want to learn about different savings accounts, how investing works, and more, check out our knowledge hub: https://www.unitymutual.co.uk/knowledge-hub/