Why people choose HL
Helping people save, invest and retire with confidence since 1981
Best Customer Service
Boring Money Best Buys 2024
Best Online Stockbroker
The Personal Finance Awards 2023/2024
Supporting your goals
Expert information and tools to help you make the most of your money.
The average waiting time to speak with our Bristol-based helpdesk is just 59 seconds.
Flexible financial advice available when you need it.
Everything you need
One home for your ISAs, pensions, savings and investments.
Accounts and investments for every life stage and goals.
Choose ready-made investments or build your own portfolio.
Easy to setup and manage
Open an account online in 5 mins.
Invest with a £100 lump sum or a £25 monthly direct debit.
View and manage your account online or via our award-winning app.
The number 1 UK investment platform for private investors
1.9 million
clients trust us with their money and future
516,000+
clients who have used us for over 10 years
1 in 5
UK investors use HL to invest
£130bn+
in assets
200+
Awards won
£155bn+
in assets
200+
Awards won
What we offer
At HL, we pride ourselves on being able to support people at every stage of their saving and investing journey. That's why you won't find such a wide range of services anywhere else.
Important: Choosing what to do with your money and selecting the right account will depend on your goals and personal circumstances. Unlike cash, investments can fall and rise in value, so you could get back less than you put in.
ISA accounts
There's an HL ISA for all the family. Choose from our Stocks and Shares ISA, Lifetime ISA, Junior ISA or Cash ISA.
Our Stocks and Shares ISA won a Best Buy ISA 2023 Boring Money Award.
Trading and investing
Select one of our Ready-Made Portfolios or choose from over 4,000 funds, UK and overseas shares, investment trusts, ETFs or gilts.
Our expert insight and research helps you make the right decisions.
Manage your investments with our award-winning app and stockbroking services.
Pensions and retirement
Track your readiness for retirement using our expert-written guides and tools.
You have the freedom of how and when to access your pension, using drawdown, annuities or lump sum withdrawals.
Compare annuity rates to see what guaranteed income you could earn in retirement.
Cash savings
Access consistently competitive savings rates from a wide selection of banks.
Choose easy access savings or fixed-term rates from 3 months to over 5 years.
Control all your savings and Cash ISAs in one place, with one set of passwords.
Financial advice
Flexible one-off or ongoing advice available whenever you need it.
Our team of over 80 advisers, located across the UK, can provide advice face-to-face or remotely.
Our advisory helpdesk are here to ensure you'll see value from taking advice before committing.
Choose how you invest
Build your own portfolio
Choose from over 4,000 funds, UK and overseas shares, investment trusts, ETFs or bonds and gilts.
Search for an investment
Leave it to the experts
Pick the investment most suited to you, from four all-in-one portfolio funds.
Discover HL's ready-made investments
Financial advice
An investment portfolio built by an expert financial adviser to match your objectives.
Learn more about investment adviceOpen an HL account
Start your financial journey with HL today by opening a savings or investing account.
HL's service stands out for me because of their patience, knowledge, reliability, and efficiency. Being able to reach someone when needed is crucial, and HL excels in these aspects.
Andrew
What you'll pay
Simple investing charges
Max 0.45% per year for investment accounts and up to £11.95 per deal when trading shares online. Investments may have their own charges.
No fee savings accounts
Use our Active Savings and Cash ISA accounts without paying a charge.
Investment Times
Subscribe for free to the UK's largest investment magazine.
17.1%
Average discount on fund manager charges for the 100 largest funds held by HL clients (as of June 2024).
Investment Times
Subscribe for free to the UK's largest investment magazine.
17.1%
Average discount on fund manager charges for the 100 largest funds held by HL clients (as of June 2024).