Loughborough Building Society

Loughborough Building Society is a mutual building society, meaning it is owned by its members.

It was founded in 1867 and offers mortgages, home insurance and savings products.

Its insurance policies are underwritten by Royal & Sun Alliance.

Loughborough Building Society
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Home Emergency Cover

Loughborough Building Society

Home Emergency Assistance

3 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home insurance policy
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i 10 years
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i 10 years
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i RSA
Maximum Excess i £0.00
Alternative Accommodation Cover i £500.00
24/7 Claims Helpline i
Unoccupied period i 90

Home insurance (building and contents)

2 stars
Alternative accommodation cover limit for buildings i £40,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £2,000.00
Escape of water excess i £50.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £10,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £750.00
Keys/locks if lost or stolen (Buildings) i £750.00
Money in the home i £0.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £50.00
Compulsory excess (contents) i £50.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i £400,000.00
Contents cover limit i £50,000.00
Underwriter RSA
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £0.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £2,500.00
Visitor's possessions £500.00
Out in open cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £500.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £5,000.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit Not Offered
Special events (weddings and civil ceremonies) - days Not Offered
Special events (births) - limit Not Offered
Special events (births) - days Not Offered
Special events (anniversaries and birthdays) - limit Not Offered
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit Not Offered
Special events (religious events) - days Not Offered
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Buildings insurance

3 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i £750.00
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £40,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft £2,000.00
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £50.00
Buildings compulsory excess i £50.00
Escape of water excess i £50.00
Flood excess i £50.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £2,000,000.00

Contents insurance

1 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i £750.00
Theft from outbuildings cover limit i £2,000.00
Credit cards i £500.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £50,000.00
Music, film, or electronic downloads i
Documents i £2,500.00
Frozen Food Cover i £1,000.00
Business equipment i 5,000.00
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £500.00
Temporary freezer storage
Money in the home i £0.00
Theft from bogus officials
Garden plants
Garden protection 0
Out in open cover
Alternative accommodation cover limit for contents i £10,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £50.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter RSA
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: Not Offered /Days limit: Not Offered
Births - limit/days Cover Limit: Not Offered /Days limit: Not Offered
Anniversaries - Limits/days Cover Limit: Not Offered /Days limit: Not Offered
Religious events -Limits/days Cover Limit: Not Offered /Days limit: Not Offered
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional

Notice Savings Accounts

Up to 180 Day Notice Accounts

Loughborough Building Society

120 Day Notice Account

Interest Rate (AER) i 3.15%
Part of FSCS i
Notice Period 120 days
Minimum Opening Balance i £1,000.00
Maximum Balance i £250,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Early withdrawals allowed? i
Withdrawal Penalty i

Up to 60 Day Notice Accounts

Loughborough Building Society

50 Day Notice Account Issue 3

Interest Rate (AER) i 2.25%
Part of FSCS i
Notice Period 50 days
Minimum Opening Balance i £1,000.00
Maximum Balance i £250,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Early withdrawals allowed? i
Withdrawal Penalty i Earlier access costs 50 days interest

Up to 90 Day Notice Accounts

Loughborough Building Society

90 Day Notice Account Issue 2

Interest Rate (AER) i 2.5%
Part of FSCS i
Notice Period 90 days
Minimum Opening Balance i £10,000.00
Maximum Balance i £350,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Early withdrawals allowed? i
Withdrawal Penalty i Earlier access costs 90 days interest

Savings Accounts

2 Year Fixed Rate Accounts

Loughborough Building Society

Two Year Fixed Rate Bond - Issue 120

Interest Rate (AER) i 4%
Minimum Opening Balance i £2,500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £250,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

3 Year Fixed Rate Accounts

Loughborough Building Society

Three Year Monthly Interest Fixed Rate Bond - 117

Interest Rate (AER) i 4.15%
Minimum Opening Balance i £20,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be paid into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £250,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

Interest Rate (AER) i 1%
Maximum Balance i £750,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £10.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Interest Rate (AER) i 1.25%
Maximum Balance i £250,000.00
Part of FSCS i
Withdrawal Penalty i 4 withdrawals per calendar year are allowed
Additional Information i
Minimum Opening Balance i £1,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Regular Savers

Loughborough Building Society

Regular Saver - Issue 1

Interest Rate (AER) i 2.5%
Additional Information i
Maximum Balance i £85,000.00
Withdrawal Penalty i No Penalty
Minimum Monthly Investment i £0.00
Maximum Monthly Investment i £1,000.00
Penalty free withdrawals? i
Minimum Opening Balance i £10.00
Minimum Age to Open Account i 16
Sharia Account i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Notice Period i
Fixed Term Length i
Additional Information i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Loughborough Building Society

Fixed Rate Cash ISA - Issue 22

Interest Rate (AER) i 3.55%
Minimum Opening Balance i £5,000.00
What happens at maturity? i Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access on closure only subject to 90 day loss of interest.
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

Loughborough Building Society

Fixed Rate Cash ISA - Issue 23

Interest Rate (AER) i 3.9%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Loughborough Building Society

Instant Access Cash ISA 5

Interest Rate (AER) i 2%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Loughborough Building Society

Access x3 Cash ISA

Interest Rate (AER) i 2.75%
Part of FSCS i
Withdrawal Penalty i 3 withdrawals per calendar year are allowed.
Minimum Opening Balance i £10.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Junior ISAs

Interest Rate (AER) i 3.5%
Part of FSCS i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 0
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Are early withdrawals allowed? i
Conditions of early withdrawal i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Notice ISAs

Loughborough Building Society

120 Day Notice Cash ISA

Interest Rate (AER) i 3.05%
Part of FSCS i
Notice Period 120 days
Can you transfer in funds from a stocks and shares ISA?
Minimum Opening Balance i £3,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Early withdrawals allowed? i
Withdrawal Penalty i
Can you transfer in funds from another cash ISA?