Financial Advice

Only available to serving and retired Police Officers

The Police Federation mortgage team has been provided with a fund of up to £10 million by one of the top UK building Societies. This money is only to be lent to serving or retired police officers who want a mortgage or remortgage of up to 85% loan to value.

The deal is for a market leading tracker mortgage and is at only 2.29% above Bank of England base. (This is only half what borrowers on a typical standard variable rate are paying).

For full details contact Police Federation Mortgages on 0845 459 6390 or email them on with your contact details.

Letter to send to HMRC to claim tax relief on JBB subscriptions and Uniform

Click here to download the letter.

March 2011 Financial Newsletter
Forces Financial's bespoke credit card for police officers







StepChange Debt Charity

We work in partnership with StepChange Debt Charity to give you access to free, impartial debt help when you need it most.

Who are they?

StepChange Debt Charity are the UK’s leading free debt organisation. They have been providing free advice for over 20 years to anyone with money problems.

What do they offer?

They offer a range of services such as:

  • Budgeting advice to manage priorities like mortgage, rent and household bills.
  • Expert help to deal with payday loans or debt collectors.
  • Fee-free debt management plans (DMP)
  • Expert bankruptcy help, free of charge

Get debt help now

StepChange offer help either online or over the phone. You’ll get a personal action plan with clear advice on how to deal with your debts.

    • Use the 60 second debt check – answer a few quick questions for straightforward next steps advice and recommendations.
    • Call freephone (including mobiles) 0800 138 1111. Opening hours are 8am to 8pm Monday to Friday and Saturday 9am to 4pm.


StepChange Debt Charity

Payday loans

Debt management plans

60 second debt check


Payplan has been working with Her Majesty’s Forces for 17 years, giving us the expertise to help your debt problems.

Why Payplan?
Payplan was formed in 1992 to offer people in Her Majesty’s Forces and the Police a favourable alternative to bankruptcy. Since then we have grown to help people with all kinds of financial problems, and offer a comprehensive range of solutions under one roof. We are specialists in arranging free Debt Management Plans (DMPs) and Individual Voluntary Arrangements (IVAs). Everyone who contacts us receives advice to help keep their home, repay their unsecured debts and reduce their everyday expenditure. So, once someone becomes a client, we can give them the very best chance of becoming debt-free – and staying that way.

We understand how crucial debt help can be during the current economic crisis. Payplan is a trusted partner for free expert money advice and debt solutions.

      • Do you have over £8,000 of unsecured debt?
      • Do you owe the money to two or more creditors?
      • Can you afford £100 or more to put towards your debts each month, after paying your essential living costs?

If the answer is 'yes' we will help with a debt solution today.

To get immediate assistance or for further information about the services Payplan offers, please call our helpline on 0800 716239. Clients will receive a full assessment within 24-48 hours with best advice from our expert money advisers.







No1 CopperPot Credit Union is the biggest credit union in England and Wales, and the biggest Police credit union in the UK. We offer a range of savings, loans and mortgages.  Whether you’re a saver or a borrower, we have something to suit you.

  • Save between £5 and £1,000 per month through your payroll
  • Withdraw your savings at any time with no penalty
  • Borrow up to £25,000 unsecured
  • Mortgages of up to 90% Loan to Value
  • Earn your share of our profits in the form of an annual dividend
  • Life Protection is included on your savings and loans (subject to terms and conditions)
  • Once a member always a member, even if you leave the Police force.

For more information or to join please visit

Health Scheme Offers

Health Scheme

The Federation Medical Scheme is not an ‘insured scheme’. The scheme is open to serving officers of all ranks, members of support staff and their husband / wife and children under 21..

+ details
Utilities Offers


The latest utilities offers.

+ details
Financial Advice Offers

Financial Advice

The Police Federation mortgage team has been provided with a fund of up to £10 million by one of the top UK building Societies.

+ details

Group Insurance Scheme

The Federation runs a Group Insurance Scheme in conjunction with Philip Williams & Co. + details