US404280DT33
HSBC Bank PLC
Availability: Available
8.00%gross p.a.
- Term
- 12 – 36 months
- Minimum
- £100,000
- Interest paid
- Quarterly
- Quarterly return
- £2,000
- Annual return
- £8,000
- Total return
- £88,000
Fixed Income
Fixed Rate Bonds.
A curated selection of fixed income investments from established UK institutions. Defined returns, transparent terms, and a simple application process.
2026 Investment Series
Rates shown are gross p.a. based on a single investment. Returns shown are indicative for the minimum investment.
XS3016221981
NatWest Bank PLC
Availability: Available
7.50%gross p.a.
- Term
- 6 – 36 months
- Minimum
- £75,000
- Interest paid
- Quarterly
- Quarterly return
- £1,406.25
- Annual return
- £5,625.00
- Total return
- £80,625.00
XS0060837068
Santander UK PLC
Availability: Limited
6.69%gross p.a.
- Term
- 3 – 36 months
- Minimum
- £50,000
- Interest paid
- Quarterly
- Quarterly return
- £836.25
- Annual return
- £3,345.00
- Total return
- £53,345.00
GB0001905362
Lloyds Bank PLC
Availability: Available
6.53%gross p.a.
- Term
- 12 – 36 months
- Minimum
- £50,000
- Interest paid
- Quarterly
- Quarterly return
- £816.25
- Annual return
- £3,265.00
- Total return
- £53,265.00
XS0306772699
BT PLC
Availability: Available
6.21%gross p.a.
- Term
- 6 – 36 months
- Minimum
- £50,000
- Interest paid
- Quarterly
- Quarterly return
- £776.25
- Annual return
- £3,105.00
- Total return
- £53,105.00
XS0105244585
Tesco PLC
Availability: Available
5.82%gross p.a.
- Term
- 3 – 36 months
- Minimum
- £20,000
- Interest paid
- Quarterly
- Quarterly return
- £291.00
- Annual return
- £1,164.00
- Total return
- £21,164.00
What you are buying
Capital security & risk
All bonds shown on this page are after-market bonds. They are sold on par, which means you pay the face value of the bond and receive it back at maturity. The bonds are capital secure in the ordinary sense that the issuer is contractually bound to repay your capital at the end of the term, provided the issuer does not default.
How your money is held
Your purchase money is paid directly to the bond issuer. We do not hold client money. We act solely as the broker arranging the purchase and, when required, the sale of the bond on your behalf.
Interest payments
All interest payments are made by the bond issuer to the bank account you designate during the application process. Payments are not routed through us.
Our role as broker
We handle the purchase and sale of the bond for you. We are not the issuer. The contractual obligation to repay capital and pay interest rests with the issuer named on each bond.
Capital risk
The main risk is that the bond issuer defaults on its obligations. If that happens, you may not receive your interest payments and you could lose some or all of the capital you invested.
Optional protection
Credit Default Swap (CDS) insurance
For an additional fee of 0.2% per annum, you can add CDS insurance to your bond. A Credit Default Swap (CDS) is a financial contract that pays you out if the bond issuer defaults on its debt. In simple terms, it works like insurance on your bond: if the issuer fails to repay capital or interest, the CDS counterparty steps in to compensate you for the loss, up to the agreed cover limit.
- Protects against the risk of the bond issuer defaulting.
- Covers both missed interest payments and loss of capital.
- Maximum coverage: £2,500,000 per investor.
- Cost is fixed at 0.2% per annum of the insured amount, deducted from the bond interest.
CDS insurance is arranged through a third-party counterparty and is subject to its own terms and eligibility. Please ask your adviser for full details and the applicable documentation.
How it works
Becoming a client
Our sign-up process is straightforward and fully compliant. You will be guided through each step by a dedicated adviser.
- 1. AML check
Provide a passport or driving licence plus a recent bank statement or utility bill dated within the last 90 days.
- 2. Documentation approval
Documents are reviewed within 2–24 hours and your investment account is opened immediately on approval.
- 3. Bond Purchase Agreement (BPA)
We review the agreement together, covering bond information and full terms and conditions, before you proceed.
- 4. Funding
Once the BPA is signed, our accounts team will assist you with funding your bond purchase.
- 5. Statements & schedule
You receive your brokerage account statement, contract note receipt and a dividend payment schedule.
- 6. Interest payments
Interest is paid directly into your bank account on the dates shown in your payment schedule.
Important information
Terms & conditions
End of term agreement
At maturity, the full capital plus any outstanding interest is returned within 10 working days. The bond term starts on the date full payment is received.
Fees & charges
A fee of 0.15% off the interest rate (minimum £7) plus a £49.99 administration fee applies. Early release carries a further 0.15% charge. No annual fees or hidden costs.
Capital protection
Fixed-rate investments preserve your principal. It will not fall below the amount originally invested.
FSCS protection
Your account may be protected by the Financial Services Compensation Scheme up to £120,000 should obligations not be met.
Right to amend
We may amend these terms with 30 days’ notice. If you disagree, you may withdraw your investment with no penalty.
Data protection
Client data is held in compliance with current legislation for six years from the last transaction. Calls are recorded for security and training.
This opportunity is presented without consideration for your specific objectives or circumstances. Please assess suitability carefully before investing. Past performance is not a guide to future performance.
How to apply
Interested in applying?
Applications are handled personally by our fixed income team. If you would like to apply, please contact us using the details below and one of our advisers will be in touch.
Capital at risk. Past performance is not a guide to future performance. Fixed rate bonds may not be covered by the Financial Services Compensation Scheme in all circumstances.