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Annual charges

Annual charges are what you pay each year for holding different investments with HL. Here's how they’re calculated.

Annual charges explained

Your annual charge is how much you pay us to hold investments in each account. The investments you choose may have their own separate charges, which can be found on the investment's factsheet.

Your annual charge is a percentage of the value of your investments, calculated and collected each month.   

What you pay may be different each month as your investments change in value.   

This charge applies to each account separately. 

Stocks and Shares ISA

Funds 

What you pay is based on the value of your investments. Charges are calculated in bands: 0.45% each year on the first £250,000 of funds, 0.25% each year on the value of funds between £250,000 and £1m, 0.1% each year for funds between £1m and £2m, and no charge on the value of funds over £2m.  

Value bandCharge

£0 - £250,000

0.45% 

£250,000 - £1m

0.25%  

£1m - £2m

0.1% 

Over £2m

No charge

Other Investments

ValueCharge

Any

0.45% (capped at £45 per year) 

Fund and Share account

Funds 

What you pay is based on the value of your investments. Charges are calculated in bands: 0.45% each year on the first £250,000 of funds, 0.25% each year on the value of funds between £250,000 and £1m, 0.1% each year for funds between £1m and £2m, and no charge on the value of funds over £2m.   

Value bandCharge

£0 - £250,000

0.45% 

£250,000 - £1m

0.25%  

£1m - £2m

0.1% 

Over £2m

No charge

Other Investments

ValueCharge

Any

No charge

SIPP

Funds

What you pay is based on the value of your investments. Charges are calculated in bands: 0.45% each year on the first £250,000 of funds, 0.25% each year on the value of funds between £250,000 and £1m, 0.1% each year for funds between £1m and £2m, and no charge on the value of funds over £2m.   

Value bandCharge

£0 - £250,000

0.45% 

£250,000 - £1m

0.25%  

£1m - £2m

0.1% 

Over £2m

No charge

Other Investments

ValueCharge

Any

0.45% (capped at £200 per year) 

Lifetime ISA

Funds 

What you pay is based on the value of your investments. Charges are calculated in bands: 0.25% each year on the first £1m of funds, 0.1% each year on the value of funds between £1m and £2m, and no charge on the value of funds over £2m.  

Value bandCharge

£0 - £1m

0.25% 

£1m - £2m

0.1% 

Over £2m

No charge

Other Investments

ValueCharge

Any

0.25% (capped at £45 per year) 

Junior SIPP

Funds

What you pay is based on the value of your investments. Charges are calculated in bands: 0.45% each year on the first £250,000 of funds, 0.25% each year on the value of funds between £250,000 and £1m, 0.1% each year for funds between £1m and £2m, and no charge on the value of funds over £2m.  

Value bandCharge

£0 - £250,000

0.45% 

£250,000 - £1m

0.25%  

£1m - £2m

0.1% 

Over £2m

No charge

Other Investments

ValueCharge

Any

0.45% (capped at £200 per year)

Junior Stocks and Shares ISA

There is no annual charge for holding investments in a Junior ISA.

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