Unity Mutual

Unity Mutual Unity Mutual is a not-for-profit, mutual organisation that offers simple savings, investment products to help families plan for the future.

Could a stocks & shares ISA help your money work harder?With stocks & shares ISAs accounting for almost 60% of the UK's ...
01/09/2026

Could a stocks & shares ISA help your money work harder?

With stocks & shares ISAs accounting for almost 60% of the UK's £872 billion ISA market, many savers are looking beyond cash to help grow their money over the long term.

Our latest guide explores the potential benefits, risks and key considerations of investing through a stocks & shares ISA.

📖 Read more: https://www.unitymutual.co.uk/knowledge-hub/what-is-a-stocks-and-shares-isa/

Source: HMRC 2023/24

Capital at risk with investing. Terms and conditions.

24/08/2026

Open a Unity Mutual Lifetime ISA with just a £10 monthly Direct Debit or a £25 lump sum. You'll benefit from the 25% Government Bonus on your contributions, up to £1,000 each tax year, alongside our competitive 4% AER interest rate.

Find out more about our Lifetime ISA: https://www.unitymutual.co.uk/adult-products/our-isas/lifetime-isa/

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

What puts you off investing?📍 Not sure where to start🚧 Worried about risk💷 Don't have enough money❓ Don't understand the...
17/08/2026

What puts you off investing?

📍 Not sure where to start
🚧 Worried about risk
💷 Don't have enough money
❓ Don't understand the options

Tell us your worries in the comments ⬇️

A stocks & shares ISA can be a great way to invest tax-efficiently, but it's important to understand how it works before you begin.

If you’re unsure and don’t know where to start, read our guide here: https://www.unitymutual.co.uk/knowledge-hub/what-is-a-stocks-and-shares-isa/

Capital at risk with investing. Terms and conditions apply to all our products.

📚 It’s Financial Awareness Day!Money can sometimes feel complicated or overwhelming, but taking small steps to understan...
14/08/2026

📚 It’s Financial Awareness Day!

Money can sometimes feel complicated or overwhelming, but taking small steps to understand your finances can help you feel more confident and in control.

Whether you’re saving for a child’s future, planning for your own goals, learning about investing, or simply looking to make more informed decisions, understanding your options is a good place to start.

That’s why we’ve created a range of helpful guides, articles and resources in our Knowledge Hub, designed to support people at different stages of their savings journey.

Explore our Knowledge Hub and learn something new today:
https://www.unitymutual.co.uk/knowledge-hub/

10/08/2026

💡 What exactly is a stocks & shares ISA?

A stocks & shares ISA allows you to invest in assets such as shares, bonds and funds. Any income or capital gains generated by investments held within the ISA are free from UK Income Tax and Capital Gains Tax.

Interested in investing but not sure where to start? Read our guide to discover how stocks & shares ISAs work, the potential risks and benefits, and whether one could be right for you.

🔗 Read the guide: https://www.unitymutual.co.uk/knowledge-hub/what-is-a-stocks-and-shares-isa/

Capital at risk. The value of investments can fall as well as rise, and you could get back less than you invest.

T&Cs apply.

03/08/2026

⏳ Aged 18-39?

Lifetime ISAs could close to new applicants from April 2027.

If you haven't opened one, doing so before a replacement ISA is introduced could help secure access to the Lifetime ISAs 25% government bonus on eligible contributions.

Find out more about the Unity Mutual Lifetime ISA: https://www.unitymutual.co.uk/lisa/

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

⭐⭐⭐⭐⭐“Friendly teamQuick response and friendly people.”Thank you! We’re always delighted to receive such positive feedba...
28/07/2026

⭐⭐⭐⭐⭐

“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 confi...
24/07/2026

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.

20/07/2026

🏡 Saving for your first home? Here's what you need to know about Lifetime ISAs

You may have seen news about potential changes to first-time buyer savings products. While the Government is currently consulting on a new First Time Buyer ISA, the existing Lifetime ISA remains available.

So, if you're aged 18–39, you can still open a Lifetime ISA and benefit from the 25% Government bonus on your contributions, up to £1,000 each tax year.

Existing Lifetime ISA holders can also continue saving under the current rules.

Learn more about the Lifetime ISA in our guide:
https://www.unitymutual.co.uk/knowledge-hub/what-is-a-lifetime-isa/

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

How are Lifetime ISAs helping first-time buyers save for a home?As of 2024/25, 314,600 savers have used a Lifetime ISA t...
13/07/2026

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.

Address

Unity Mutual, Oddfellows House, 184-186 Deansgate
Manchester
M33WB

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+441612144650

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