Mortgage Rates to Brag About

Your home may be repossessed if you do not keep up with repayments on your mortgage.
Bank of England Base Rate Change

The Bank of England Base Rate increased on 16th December 2021, 3rd February 2022, 17th March 2022 and on 5th May 2022, the fourth consecutive increase saw Base Rate move from 0.75% to 1.00%, its highest level since 2009.

Having considered the impact of the December and February changes, we increased savings rates from 1st April 2022 and at the same time increased the Standard Variable Rate (SVR) on our mortgage products.

We are currently reviewing the implications of this latest movement alongside the March increase, and will update our website in due course.


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Helping Borrowers and Savers Since 1924


Buy for Uni

Where the student becomes the landlord

Instead of paying rent to a landlord, the student buys the house and receives rent from their housemates to help cover mortgage payments.

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Perfect for first-time buyers

95% 5 Year Fixed Rate Mortgage

3.24% Initial Rate

Put down a minimum 5% deposit and borrow up to 95% of the purchase price of the property.

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Start positive saving habits early

Young Saver Easy Access

1.50% Gross AER*

Exclusively for under 18's, within a 25 mile radius of Stockport. With instant access to funds.

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Our members are in safe hands

Our Customers Love Us

Our Customers Love Us

Smart Money People

4.92 stars (out of 5)

We're Award Winning

We're Award Winning

British Bank Awards 2020

Best Savings Provider

Your Savings Are Protected

Your Savings Are Protected



Visit us in branch

Branch information and opening hours

Community Stars

Say hello to our new way of giving back to the community. Community Stars will recognise and celebrate the wonderful work being done by local not-for-profits and will help more good causes than ever before.


Greener Campaign

A Greener Society, Together

  • We're trying to do our bit to be more sustainable.
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Homes for Ukraine Scheme

  • Information for mortgage customers.
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AGM 2022

AGM 2022 Results

  • Find out about the Vernon's 2022 AGM.
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Protect against fraud

Protect yourself against fraud

  • Get fraud savvy - Five top tips.
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*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.