Website disclaimer | London Mutual Credit Union

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Savings
Easy ways to start saving
About saving with us
- Save from your salary
  We’ll help you set up automatic savings straight from your salary each month — no apps, no hassle.
- Save from benefits
  Set aside a small amount regularly from Universal Credit or other benefits — simple and consistent.
- Save as you repay loans
  Repay your loan while putting a bit aside each month, so savings grow without extra effort.
Why open a savings account with London Mutual?
FSCS protected
Support affordable community lending
Start small and build a habit
A dividend if the credit union does well
Save-as-you-repay loans
Manage your money via your app
Tips & ideas
Why we overspend at Christmas and how to take control
Could you be missing out on £2,700 a year? check what support you’re entitled to
What we really spend on christmas (and why we lie about it)
Loans
Borrowing options
See all Loans
About you:
Employed
Unemployed
Christmas Loan £100-£5,000
A low-cost alternative to credit cards, overdrafts and online lenders this festive season
Small Loan £100-£4,999
Flexible borrowing for life’s everyday plans
Personal Loan £5,000-£15,000
Making your plans possible, one step at a time
Saver Loan £100 – up to the value of your savings
Keep your savings safe while borrowing at our lowest rate
Child Benefit Loan £100-£1,200
Helping families borrow safely — and save along the way
Consolidation Loan £2,500-£15,000
Simplify your borrowing. Take back control.
Home Owner Loan £15,000-£25,000
Borrow bigger. Make it happen sooner.
Christmas Loan £100-£1,200
An affordable alternative to expensive online lenders and payday loans at Christmas
Unemployed and Retired Loan £100-£1,200
Fair, affordable loans — whatever your income
Saver Loan £100 – up to the value of your savings
Keep your savings safe while borrowing at our lowest rate
Child Benefit Loan £100-£1,200
Helping families borrow safely — and save along the way
Calculate my loan
How much do you want to borrow?
Over how many months?
Calculate my loan
Current accounts
Current account types Online banking and mobile app Help centre Helping someone else with their account
Open a current account
Our mobile app
Learn what you can do with our mobile app and how to download and register
London Mutual Visa Debit Card
Our newly-upgraded debit card comes with features that make your money easy to manage
Mortgages
Mortgage overview & our rates How much could I borrow?Why choose London Mutual?Book a call with a mortgage advisor
All about mortgages
We're here for
Why choose London Mutual for your mortgage
Market-leading rates from as low as 3.64% (variable)
Free mortgage advice
Borrow up to £450,000
No early repayment charges or arrangement fees
About us
Membership criteria Information for employers Community organisations & schools What is a credit union?Governance
All about London Mutual
Information for employers
Partner with us to boost colleague financial wellbeing with salary-deducted savings and loans
Our history
Founded by Southwark Council staff in 1982, find out where we've come from and the journey so far.

Website content

The information on this website is provided by London Mutual Credit Union for general information purposes only. While we make every effort to keep the information accurate and up to date, we cannot guarantee that all details are complete, correct or current.

Nothing on this website should be taken as financial advice or a recommendation to act. Any decisions about your finances should be made based on your own circumstances, and where necessary, with the support of a qualified adviser.

External links

We are not responsible for the content of external websites that we link to. Links are provided for your convenience only, and their inclusion does not imply endorsement.

While we try to keep our website available at all times, we cannot guarantee uninterrupted access or that the site will be free from errors, viruses, or other harmful components.

Use of this website is subject to our Terms and Conditions, along with our Privacy Policy, Cookie Policy, and Accessibility Statement, which you can also find linked from the footer of every page.