Useful Links

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Below is a list of organisations who offer a range of independent advice to help address any financial concerns.

The Money Advice Service

This organisation provides a raft of impartial information and tools to help you manage your money.
www.moneyadviceservice.org.uk
Contact Number: 0300 500 5000

The Money Charity – previously Credit Action

Its website offers a range of resources, tools and training.
www.themoneycharity.org.uk
Contact Number: 020 7062 8933

Citizens Advice Bureau 

The Citizens Advice service helps people resolve their legal, money and other problems by providing free independent and confidential advice. There are over 400 Citizens Advice Bureau offices across England and Wales and more than 20 in Northern Ireland. 
Look on the Citizens Advice website for details of your local bureau.
www.citizensadvice.org.uk

StepChange Debt Charity (previously CCCS) 

The purpose of StepChange Debt Charity is to assist people in financial difficulty by providing credit counselling together with free, independent and impartial advice.
www.stepchange.org
Contact Number: 0800 138 1111

National Debtline 

This is a helpline providing free, confidential and independent advice on how to deal with debt issues.
www.nationaldebtline.org
Contact Number: 0808 808 4000

The following sites may also be useful:

Shelter

Shelter can give confidential help to people with all kinds of housing problems.
www.shelter.org.uk
Contact Number: 0808 800 4444

DirectGov 

A government website providing a wide range of information on money, tax, employment, benefits and government mortgage rescue schemes.
www.gov.uk

Financial Conduct Authority

An independent body which regulates the financial services industry in the UK.
www.fca.org.uk
Consumer Helpline: 0800 111 6768

Financial Ombudsman Service 

The official independent expert set up by parliament to settle individual complaints between consumers and businesses providing financial services.
www.financial-ombudsman.org.uk
Consumer Helplines:
0800 0 234 567 - Free for people telephoning from a “fixed line” (for example, a landline at home)
0300 123 9 123 - Free for mobile-phone users who pay a monthly charge for calls to numbers beginning 01 or 02

We have signed up to the CML’s Statement of Practice for Buy to Let Lending, which requires intermediaries to provide landlords with information about the risks associated with buy to let investments and their responsibilities towards their tenants.

The rules and regulations around buy to let investments are updated regularly and we recommend that you direct landlords to a specialist organisation such as the National Landlords Association that can help them understand the implications of this type of investment.

National Landlords Association

www.landlords.org.uk
020 7840 8900
info@landlords.org.uk

New Street Mortgage – Lender Base Rate Setting Policy

Your mortgage interest rate affects the amount you have to pay each month. If you have a fixed rate mortgage, your interest rate will not change for the duration of the fixed term. If you have a variable interest rate mortgage, or your fixed term has come to an end, your interest rate may change from time to time. You can find out what type of interest rate applies to your mortgage, and how long any fixed term will last, in your mortgage offer letter.

Our Lender Base Rate is set using the 90 Day London Interbank Offered Rate known as 90 Day LIBOR (this is the rate at which banks will lend money to each other) with reference to our operating and funding costs. You can check 90 Day LIBOR here:

90 Day Libor 

Our current Lender Base Rate is 0.96% with effect from 13 August 2018.


Historic Lender Base Rates
11 May 2018 to 12 August 2018 - 0.83%
13 February 2018 to 10 May 2018 - 0.69%
11 August 2017 to 12 February 2018 - 0.47%
11 May 2017 to 10 August 2017 - 0.47%
13 February 2017 to 10 May 2017 - 0.52%
11 November 2016 to 12 February 2017 - 0.56%
11 August 2016 to 10 November 2016 - 0.54% 
4 February 2016 to 10 August 2016 - 0.75% 

You can find more information about how we calculate interest and when we can change our Lender Base Rate in your Mortgage Conditions.