FAQs

Contact us and we will send you a certificate of interest for the tax year.

You’ll need to speak to an independent financial adviser to discuss the right option for you. If your mortgage is on the Standard Variable Rate (SVR), you can refix your interest rate at any time, as long as you have a minimum of two years remaining on your mortgage term.

Find out more here.

We’re committed to providing you with the best possible service. If you don’t think we’ve done that and would like to make a complaint, you can do so over the phone, by email or in writing. Find out more.

A Standard Variable Rate (SVR) mortgage means your payments can go up or down according to changes in interest rates which is determined by us. You won’t have any early repayment charges and you can overpay or redeem without penalty.

You can find the current Standard Variable Rate here.

Annual statements are produced on the anniversary of the start of your mortgage and sent to you by post.

You’ll need to contact us to change your details. You can email [email protected] or call our customer services team on 0800 731 4076. Our lines are open Monday – Friday 9am – 5pm.

There may be circumstances when you need to add or remove a borrower on your mortgage.

This is called a transfer of equity, and you must take advice to do this from a financial adviser or broker. They will be able to talk you through your options in detail and submit an application for you.

Your new mortgage deal takes effect as soon as the existing rate ends, as long as we receive a signed offer before the deadline outlined on your rate switch letter. If you’re currently on a Standard Variable Rate (SVR), we will switch the rates the month after we receive the signed offer, providing it’s returned before the deadline outlined. For more information, please call 0800 7314 076.

If you know what mortgage deal you want and are confident you don’t need financial advice, you can complete and return the form yourself.

If you don’t understand the details of your new mortgage deal, or you’re not sure which mortgage deal would be suitable for you, you can return to your original Independent Financial Adviser (IFA) or visit Find 27,000 IFAs, Financial Advisers, Mortgage Brokers, Accountants & Bookkeepers | Unbiased to find a new one.

An Independent Financial Adviser will look in detail at your current needs and circumstances to find the most suitable option for you.

By choosing to use an independent Financial Adviser you’ll be protected by the Financial Conduct Authority (FCA). If you choose not to take financial advice, you won’t get the same Financial Conduct Authority (FCA) protection you would get with an advised service.

We’ll write to you 90 days before your current mortgage deal comes to an end.

This will include an application form that you’ll need to sign and return. We’ll then issue a mortgage offer confirming details of your new mortgage deal and mortgage payments.

You’ll need to return the signed mortgage offer for the new mortgage deal to take effect. Alternatively, you can talk to your independent financial adviser to do this on your behalf.

You need to choose a mortgage deal from the same product family. This means that if you have a Resi Retire or Residential Interest Only mortgage with us, you need to choose another Resi Retire or Residential Interest Only mortgage.

There aren’t any legal or valuation fees and we don’t need to complete any credit or affordability checks. However, you’ll need to pay any product fee associated with the new deal and, once in place, new early repayment charges may apply.

If you don’t switch your mortgage to another fixed rate at the end of your previous fixed rate period, you’ll move onto our Standard Variable Rate (SVR). Your payments will increase and decrease in line with the changes to the Standard Variable Rate.

Find out more here.

Your bank or building society may make another attempt to collect the direct debit payment if the first one has failed to collect your mortgage payment. If this payment is collected you don’t need to do anything.

If the payment remains outstanding you can make a make a payment to us by bank transfer to the following details:

Payee Name: Hodge Bank
Sort Code: 30-67-64
Account number: 16607460
Payment ref: Your mortgage reference and surname

We’re not currently able to take payments over the phone.

If you or a loved one are moving into long term care, there’s a few things you’ll need to know if you hold a mortgage with Hodge. You can find all the information you need here.

No matter how prepared we are, dealing with death is anything but easy. We are here to help and support you, all the information you need can be found here.

All the information you need can be found here.

We understand it can be very difficult to talk to someone if you’re struggling to pay your mortgage but we’re here to help. If you’re struggling to pay your mortgage, please let us know as soon as possible, our friendly and experienced team can help you understand what options are available to you.
You can call us on 0800 138 9129 or email us at [email protected]. We’re here Monday – Friday 9am – 5pm (excluding Bank Holidays).

If your family member has passed away, please let us know as soon as possible. We’ll guide you through the next steps and exactly what we need to make the necessary changes to the account. Our team will take some details, ask for a copy of the death certificate and let you know what you need to do next. You can email us at [email protected] or call 0800 731 4076.

If you’ve got an existing mortgage with us and are thinking of selling your home, check your Mortgage Offer Document or your Mortgage Terms and Conditions or get in touch with us to check if the Early Repayment Promise applies to you. You can email us at [email protected] or call 0800 731 4076..

Stamp duty is a tax the buyer pays for acquiring or selling a UK property or land, and is based on percentages. The amount you pay on stamp duty will depend on the value of the property you buy, whether it’s your first time on the property ladder and whether you intend to live in the property or rent it out. Stamp duty thresholds differ across the UK and are dependent on the tax band of the property. Your financial adviser can advise on stamp duty thresholds and guide you on how much you’re expected to pay based on the number of properties you have and the value of them.

Securing a mortgage with us will depend on your personal circumstances and the property you want to mortgage. We recommend you speak to a financial adviser to get specialist mortgage advice and to discuss your options if you have bad credit.

There are things you can do to improve your credit rating such as reviewing your credit reports, making sure you don’t miss any payments and keeping balances low on credit cards. Visit Money Helper to find out more.

Yes, it’s essential to obtain financial advice before applying as it’s important to consider all options on the market. You should also consider any benefits and grants which may be available to you.

Paying interest on your mortgage could impact the income needed to fund your retirement. We encourage you to discuss retirement plans with your independent financial adviser to make sure you can still afford your mortgage, even if your circumstances change.

Hodge is a responsible mortgage lender, so if your circumstances change then please contact us to find out the best way forward. Our mortgages for over 50s are portable, which means they can be transferred with a house move if you wish to move or downsize. As the borrower, you’ll be responsible for the cost of transferring your mortgage, and your new home must form suitable security for the loan.

If your marital status changes, we can accommodate this too.

We review the Standard Variable Rate regularly. The standard variable rate may change to reflect changes in the Bank of England base rate or due to our funding or administration costs, economic effects and the impact of new laws or regulations. If it changes, we’ll always give you reasonable notice as to how this will affect your repayments, if at all.

Borrowing up to 85% is available on repayment or 75% on interest only subject to affordability.

The final amount we’ll lend is based on our assessment of your ability to afford the loan. We’ll look at employment income (including self-employed) and retirement income that’s currently being paid or is forecast to be paid upon retirement. We’ll also look at outgoings including any loans or financial commitments already in place.

As a responsible lender, we provide mortgages that are affordable now and in the future. For the Resi Retire mortgage, it’s essential the repayment strategy offers you sufficient funds to repay the loan at the end of the term. This is why consulting with an independent financial adviser is important before deciding which mortgage product is best for your circumstances.

Yes. If you have one of our residential mortgages, Resi Retire, RIO or Holiday Let, you will make monthly payments to pay the interest each month. As you are only paying off the interest and not the capital balance you will have to repay the full mortgage amount at the end of your term. If you are a RIO customer, your mortgage term ends when you pass away or go into long term care.

The Resi Retire product is a mortgage that runs either, into, or during retirement.  You determine the length of the loan and the repayment method. This can be repayment or interest only. The RIO mortgage is also an interest only residential mortgage, available from age 50, but it has no end date. The mortgage is repaid when the last surviving customer moves into long term care or passes away.

We transfer funds to your solicitor the day before completion in readiness for completion the following day. Your solicitor should provide 5 days’ notice for completion and 10 days if a new build property and a reinspection applies.

Unfortunately, we can’t take payments online, but you can pay by bank transfer or cheque. Please contact us by email at [email protected] or call us on 0800 731 407 and we’ll confirm our account details for you.

The length of time it takes for your mortgage application to complete will depend on your individual circumstances. The average application takes 12 weeks from start to finish but this can change depending on the work involved. Your independent financial adviser will be able to keep you up to date through the process.

Porting your mortgage to a new home takes 12 weeks on average from start to finish. This will vary depending on your circumstances.

Yes, you must apply to borrow more money through an Independent Financial Adviser. It doesn’t need to be the same adviser who set up your original mortgage. You can find an adviser at www.unbiased.com

You may be able to move your mortgage to your new home (this is known as porting). You’ll need to complete our moving home application form. Our Property Underwriters will then review the new property (meaning you’ll need another survey on it) to check that it’s acceptable. If you have any questions about moving home email [email protected] or call us on 0800 731 4076.

We will apply the payment to your mortgage account 24 hours after we receive it, and we will contact you to tell you we’ve received the payment.

If you’ve repaid your mortgage in full, we will contact the Land Registry to discharge our interest in your property.

You’re able to pay an additional 10% of your mortgage balance each year without penalty using the flexible repayment option. You can make up to 12 overpayments each year as long as you stay within the maximum overpayment limit. If you choose to use this option, then you can make payments by bank transfer.

You’re not able to increase your direct debit to use your flexible repayment option but you can set up your own standing order for us to receive this additional payment on the same day as your direct debit mortgage payment. It’s important to note that if you choose to set up a standing order the total amount paid in a 12-month period can’t exceed your 10% allowance or more than 12 payments each year.

Your first payment will be taken on your chosen payment day of the following month. You’ll notice an increase in the first payment as it will include charges for the period between the completion of the plan and the first payment date.

This varies depending on what part of the month your mortgage completes as we need time to set up your direct debit. If you complete early in the month, then your first payment is likely to be due the following month. If you complete in the latter half of the month, then your first payment may not be collected the following month but the month after that. It’s important to note that your first payment will be higher as an element of this payment will include accrued interest. You’ll receive a welcome letter shortly after completion which will explain how accrual works and when your first payment is due.

Yes. To change your bank details you’ll need to complete a new direct debit mandate. You can download this here. We’re unable to change bank details until the first payment has been taken following completion of your mortgage.

We’ll need more than 10 working days’ notice before your next payment date to make changes to your bank details.

We can’t accept monthly payments from business bank accounts, that includes Limited Company or Sole Trader accounts.

Residential and Holiday Let mortgage release and lifetime mortgage redemption statements are valid for until the end of the month in which they were produced. 14 days from the date generated. Residential and holiday let mortgage redemption statements are valid for one month. Any payments received between the date the statement is created and redemption occurring may will not be taken into account on your statement.

You can contact us anytime for a redemption quote. Depending on the type of mortgage you have and how long you’ve held it you maybe subject to early repayment fees.

We’re not currently able to take payments over the phone. You can make payments by bank transfer. Please email [email protected] or call us on 0800 731 4076 and we’ll confirm the details. Alternatively, you can send a cheque to Customer Services, Hodge, One Central Square, Cardiff, CF10 1FS. Please include your reference number.

If you’d like to make additional payments, such as direct debit and overpayments. You can do so by bank transfer to the following details:

Payee Name: Hodge Bank
Sort Code: 30-67-64
Account number: 19155360
Payment ref: Your mortgage reference and surname

We’re not currently able to take payments over the phone.

You’re able to pay an additional 10% of your mortgage balance each year without penalty using the flexible repayment option. You can make up to 12 overpayments each year as long as you stay within the maximum overpayment limit. If you choose to use this option, then you can make payments by bank transfer.

When making overpayments, we may ask you to evidence the source of funds in order to comply with anti-money laundering regulations. This may be in the form of a bank statement that will help us identify where the money has come from.

Before you make any overpayments, please call us on 0800 138 9129 or email us at [email protected]. We’re here Monday – Friday 9am – 5pm (excluding Bank Holidays).

In any one year, starting from the day your mortgage started, you can pay up to 10% of the capital borrowed (up to a maximum of 12 payments) on top of your normal monthly payments.

If you’d like to pay off your mortgage early, your early repayment charges will depend on your circumstances.

If you’ve got an existing mortgage with us and are thinking of selling your home, check your Mortgage Offer Document or your Mortgage Terms and Conditions or get in touch with us to check if the Early Repayment Promise applies to you. You can email us at [email protected] or call 0800 731 4076.

If your mortgage qualifies for the our Early Repayment Promise, if you sell your home, pay off your mortgage completely and move out, we’ll waive your early repayment charges – giving you one less thing to worry about. You might be buying a bigger property, moving in with someone else or retiring abroad – it doesn’t matter. As long as you’re paying off your mortgage in full and moving out of your home, you won’t pay any early repayment charges.

If Early Repayment Promise applies to your mortgage, you don’t have to be downsizing to benefit from the Hodge Early Repayment Promise. You might be buying a bigger property, moving in with someone else, or retiring abroad – it doesn’t matter. As long as you’re paying off your mortgage in full and moving out of your home, you won’t pay any Early Repayment Charges.

If you’re worried that decisions aren’t being made in the best interest of the donor please get in touch with the Office of the Public Guardian. They’ll look at the case and review whether they are able to investigate. See the gov website for further information

There are a number of ways a lasting power of attorney (LPA) can be brought to an end. The person who made the power of attorney (known as the donor) can cancel it if they still have capacity.

If the attorney is no longer able, or no longer wants to be an attorney, there’s guidance on the Gov.uk website on how to do this.

A lasting Power of Attorney will also come to an end when the donor passes away.

An enduring power of attorney (EPA) can also be brought to an end by the donor cancelling it if they still have capacity, or an attorney wishes no longer to act. It can also be cancelled with a court order or the Court of Protection can end if they believe the attorney has abused their position, or if the EPA was made as a result of fraud or pressure.

If you hold power of attorney or deputyship through the Court of Protection, you may be able to apply for new or additional borrowing. This has to be through an independent financial advisor (IFA). If you don’t have an independent financial adviser (IFA) the website www.unbiased.co.uk can help you find one.

If you hold third party authority, you cannot apply for additional borrowing on behalf of the customer.

All the information you may need, can be found here.

For mortgage customers, the account will need to be redeemed which means that the mortgage will need to be repaid. For savings customers, the money in the account will be sent to the customers’ estate which then closes the account.

For power of attorney or deputyship, once we receive the documents from you it can take up to a month. We’ll ask the Office of Public Guardian to verify the attorney(s) named on the power of attorney document.

For third party authority, once we receive the application form from you, it can take up to a week.

You can contact us by phone, email, or letter to manage the account.

You can open an account on the donors behalf. Please contact our savings team on 0800 7314076, they’ll be able to help you with your application.

All the information you require, can be found here.

There’ll be a no negative equity guarantee in place. This means,  provided you’ve complied with the terms of this guarantee.

• When you move into long term care or pass away, if the value of your home isn’t enough to repay in full the amount you borrowed, you won’t be liable for the difference.
• If you’ve exercised the Interest Roll-up  Option then move into long term care or pass away, if the value of your home isn’t enough to repay the mortgage and rolled-up interest you won’t be liable for the difference.

The No Negative Equity Guarantee doesn’t apply if you repay your mortgage early, if your home hasn’t been kept in a good state of repair or if it wasn’t sold at its fair market price.
Hodge may instruct an independent valuation of your home at the time of sale to determine if this is the case. The full terms of this guarantee are set out in our Terms and Conditions. There’s no charge for this guarantee.

Yes. You will make payments on the remaining part you haven’t rolled up. To find out more about this option please email [email protected] or call us on 0800 731 4076.

The mortgage is lifetime mortgage which means it’s repaid when the last named person on the mortgage either goes into long term care or passes away.

Yes, you can repay your mortgage, in part or in full, at any time. As the roll up will be on standard variable rate no early repayment charges will apply.

You can’t revert back to payments once you’ve opted to roll up.

No, but if your circumstances have changed then there may be more suitable products available where advice would be a more suitable option. You can find an adviser at unbiased.co.uk

You must be age 80 or over. If it’s a joint mortgage then the youngest applicant must be age 80 or over. You must also have held your mortgage for a minimum of five years. Both elements have to apply for you to be able to roll up.

You can find all details of our savings accounts on our savings pages by clicking the links below.

• Fixed rate bonds
• ISAs
• Easy Access

We offer a range of Savings accounts to suit all types of savers. You can find details here.

A variable rate offers you a rate of interest that can go up and down. With a fixed rate, you know in advance what your interest rate will be over your selected account term.

Visit your local Government website to find out about available financial support and any possible cost of living payments: www.gov.uk/cost-of-living

Beware of scams from fraudsters pretending to be from a Government agency or support scheme – visit our scams and fraud hub for more information on staying safe in the cost of living crisis.

Visit your local Government website to find out if you’re entitled to any financial support.

Our support hub has information and resources for those who need help with the cost of living, and you can visit our blog for the latest tips on budgeting, saving and more.

If you’re a Hodge customer and you’re struggling financially, we’re here to help. Find out more here.

There are lots of steps you can take to get through these tough financial times.

Consider reviewing your own finances and start to budgeting for the rising cost of living, you can also work toward saving on your energy bills or start saving for an emergency pot – visit our cost of living blogs page for our top tips on surviving the cost of living crisis.

If you’re a Hodge customer and you’re struggling financially, we’re here to help. Find out more here.

The cost of living in the UK is rising faster than people’s wages are, add in a strong demand for everyday goods and problems with supply chains, and it causes a cost of living crisis.

Inflation causes the price of things to rise over time. If the inflation rate goes up, so does the cost of every day items. Things like the rising cost of energy, the aftermath of the Covid pandemic, the war in Ukraine and the availability of every day goods are all influencing inflation at the moment.

The cost of living is derived from adding up the total costs of everyday essentials. This includes food, utilities, and entertainment. These costs are recorded by local governments in the hopes of tracking changes over time.

Unfortunately, there’s no real way of predicting how long the cost of living crisis will last.

The good news is that, over the past 12 months, the UK’s economy has started to recover from the downturn it witnessed in 2021-2022. As previously mentioned, inflation has been cut by more than half between 2022 and 2023, and employment rates are steadily growing.

All of this leads to the possibility that the cost of living crisis has already hit its peak, meaning that it’s likely to improve well into 2024 and beyond.

You can contact us by post if you need to, but the best and quickest way to get in touch or send us documents is via email at [email protected].

The quickest and best way for us to get in touch with you is via email.

If you haven’t given us your email address, or you need to update the one we have for you, you can do this through our online banking platform, or by calling us so that we can update our records.

If you don’t have an email address, we will get in touch with you via post, but it might take a little longer

The easiest way to contact us is by email at [email protected].

You can also call our team on 0800 028 3746 between the hours of 9am and 5pm.

We don’t accept deposits by cheque or banker’s draft. Please add money to your account by electronic Bank Transfer.

You can apply for an account on behalf of somebody else as Power of Attorney or as Court of Protection. To do this, please click here.

Yes, you can. To do this please call our Customer Service team on 0800 028 3746 (Available Monday – Friday 9AM – 5PM) and they’ll talk you through the process.

If you haven’t heard back from us within 10 days after applying for an account or sending us information, it’s worth getting in touch to check we received your information safely. The best way to do this is to email us on [email protected].

If you’ve had to send us original documents, we’ll send them back to you as soon as we’re finished with them.

If we’ve asked you for documents, please upload a scanned image to the ‘Document Management’ section of your secure online banking portal. We may also request documents by email.

As long as it’s clear and complete, we should be able to accept it. We’ll get in touch if not.

We’ll carry out electronic searches to verify you as part of your application, so you shouldn’t need to send us any ID.

If we do need any more information from you, we’ll let you know as soon as possible.

Your nominated bank account is the account you register with us when you open your savings account, and is the one you’ll use to send money into your new Hodge account.

To help keep your money safe and protect against fraud, we’ll only accept deposits from this account, and we’ll always transfer money back to it too – whether that’s interest payments, withdrawals, or maturity. If your nominated bank account changes because you switch banks, let us know as soon as possible.

It’s quick and easy to apply for an account online – and takes about 10 minutes.

It’s quick and easy to open a new savings account with us. You can find more information about all our savings accounts by clicking the link below.

Find our savings accounts here. Once you’ve chosen, just click to apply online – we’ll explain the next steps as you go.

No, you can’t do this. If you want to take advantage of a higher rate of interest your options are explained below. Both options will incur a penalty fee if you close your account before it reaches maturity.

You can:

1. Find another provider and complete an application with them, telling them you’d like to transfer your existing Hodge ISA to them. They’ll send us a Transfer Authority Form, notifying us of your request. We’ll then close your Hodge account and transfer the money to your new provider. This process means you’ll keep the ISA tax efficiencies against the full amount in your ISA account.
2. Close your existing Hodge ISA early and have your money repaid to your nominated account. You can then open a new ISA account with Hodge and fund it online. However, this will mean you’ll lose the ISA tax efficiencies against your money from previous tax years, and you’ll only be able to invest the remaining balance of your current tax year allowance.

Yes, you can close your ISA early if you need to access your money, however there will be a penalty fee.

To do this, you’ll need to contact us and we’ll calculate the penalty fee as shown in our Terms and Conditions. Once confirmed, we’ll start the process to transfer the funds to your new ISA provider or into your nominated bank account. This must be a full withdrawal and account closure, you cannot make a partial withdrawal from your ISA.

When you apply online, you’ll have 14 days from the account opening date to make as many deposits to your account as required. After that, you won’t be able to add any more money to the account.

If you’d like to take money out of your ISA account before the end of the fixed rate period, you’ll have to pay an exit fee. You’ll have to take the full amount out at once, and you can let us know that you’d like to do this at any time.

The tax year runs from 6th April to 5th April the following year. The current ISA allowance is £20,000 which can be saved in any combination of cash, stocks and shares and/or innovative finance ISA. Hodge only offers cash ISAs. If you close your account and withdraw your money, you will lose your tax wrapper on the funds.

No. If you don’t use your annual ISA allowance, you can’t roll it over into future years.

You can subscribe to multiple ISAs of the same type within the annual subscription limits, except investors with a LISA (Lifetime ISA) who are restricted to subscribing to one LISA a year, and investors with a JISA (Junior ISA) who are restricted to subscribing to one JISA a year. Those under 17 are not permitted to subscribe to more than one Cash ISA per year.

With Hodge, you can only have one Fixed Rate Cash ISA per tax year. We also don’t offer JISA, LISA or Cash ISAs to those under 18 years old.

To open an ISA, you must be over 18 and a resident of the UK (excluding the Channel Islands and Isle of Man).

Yes, you can make additional deposits to your Notice Account, as long as they come from your nominated bank account.

When you apply online, you’ll have 10 working days from the account opening date to make any additional deposits to your account. After that, you won’t be able to add any more money to the account.

We will make payments directly into your nominated bank account.

You can use online banking to put your account on notice to withdraw. If you don’t have online banking yet, you can register quickly and easily by clicking here.

If you need further support, you can email us at [email protected] or give us a call on 0800 028 3746 (9am – 5pm Monday – Friday).

If you have a Fixed Rate Bond or a Cash ISA, we’ll let you know before your savings account is due to mature, and you’ll need to let us know what you’d like to do next. You can do this by logging into your account online and submitting maturity instructions.

You can chose to withdraw, reinvest all or part of your funds. Visit our ‘account maturity’ web page for more information.

Easy Access accounts do not mature.

For Fixed Rate Bonds and Cash ISAs, you have 14 days from account opening to fund your account, then you can’t add any more money. With Easy Access, you can add money to your account any time.

If you’re paying in less than £100,000, you can make a faster payment through your nominated bank account using your Hodge savings account number and sort code, which you can find in your online account.

If you’re paying in more than £100,000, you can make a CHAPS payment into our account (sort code 30-91-63 and account number 00209271), using your name and savings account number as your reference. Your bank might charge you for doing a CHAPS payment.

If you have an online banking account, it’s quick and easy to update your details by logging in using the link at the top of the page.

If you’re not set up with online banking and you were a customer on or before 4th February 2024, you can register here to get started and update your details right away.

Your nominated bank account is the account you register with us when you open your savings account, and is the one you’ll use to send money into your new Hodge account.

To help keep your money safe and protect against fraud, we’ll only accept deposits from this account, and we’ll always transfer money back to it too – whether that’s interest payments, withdrawals, or maturity. If your nominated bank account changes because you switch banks, let us know as soon as possible.

We’ve made it as simple as possible for you to set up online banking. When you apply for your ISA, you’ll automatically register for an online account at the same time. You’ll then use those details to manage your account in future.

Tax-free savings: Cash ISA accounts help your money grow long term. The interest you’ll earn is free of tax which means you can make the most of your hard-earned cash.

You know how much you’ll earn: With a fixed rate cash ISA, you’ll always know where you stand. You can be confident your savings are growing and know exactly how much interest your money is earning and the total sum you’ll get at the end of the fixed term.

FSCS protection: By choosing our fixed-rate ISA account you’ll have peace of mind that your cash will be protected up to £85,000 by the Financial Services Compensation Scheme. The eligibility criteria can be found here

The ISA subscription limit is £20,000 for anyone eligible to invest. This can be saved in one ISA account, or across different Cash ISAs and Stocks and Shares ISAs, with different providers. You can only have one Cash ISA with Hodge, and we don’t offer other types of ISAs.

If you’re a UK resident aged 18 and over, and have some cash to save, then yes, you can apply for a Hodge personal cash ISA. There is a minimum deposit requirement of £1,000, so this might be the right account if you’re saving for a larger event or one off payment purchase, like a holiday or wedding. 

No, you cannot transfer your existing cash ISA into a Hodge account.

Yes, of course. Our teams are on hand to help if you have any further questions. Click here to contact us. 

Yes! Online banking is a safe and secure way to manage your money, with enhanced security measures to keep your money and information safe. If you’re worried about managing your money online, you can find more information on our ‘online banking page’ or in our ‘keeping safe’ hub.

Online banking, or internet banking, is a system that allows customers to manage their accounts and transactions over the internet using a computer, phone or tablet. 

You can learn more about inheritance tax and what to do if someone has passed away on the HMRC website

Usually, the executor or personal representative can access a bank account when someone dies. This person may need to obtain probate or letters of administration to be able to access the account, depending on the bank’s process and the account balance.

If you think the person held an account with Hodge and you’re the executor of their estate, you can get in touch with us and we’ll carry out some checks to find their information. You’ll need their death certificate, address, date of birth and National Insurance Number.

If their accounts weren’t with Hodge, you can use online services to try to find their accounts, such as My Lost Account or The Death Notification Service.

In most cases, the money from the joint bank account will go to the surviving joint account holder. They can take ownership of the bank account and the money in it. The surviving joint account holder will need to contact their bank to let them know what’s happened.