Home Saver (minimum age 18 years) (13010 or 27010)

An instant access savings account designed for genuine first time buyers.

See below for additional benefits:

• Accounts can be opened from as little as £10.
• Maximum balance £50,000.
• Instant access to savings.
• A competitive variable rate of interest on the entire balance.
• Interest paid yearly and added to the account on 31st March.
• A passbook to keep track of how savings are growing.
• Providing a minimum balance of £1,000 has been maintained in the account for 3 years or, alternatively, you have maintained a minimum balance of £1,000 for 3 years in a previous Holmesdale Young Saver account (or a combination of both), we will pay your valuation fee up to £250 if you take out a mortgage with us.
• Providing you meet the balance and time requirements listed above, we will also give you a further 0.25% discount off any of the Society's discount mortgage products for the term of the discount period.

Rates from 1st February 2010 (Previous rates to 31/01/2010 are shown in brackets)

	GROSS AER	GROSS	NET
For investments of £10 to £ 50,000	1.20% (1.55%)	1.20% (1.55%)	0.96% (1.24%)
TERMS
See Above