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The Vantage Service

Opening an account

Make your investments easier to manage with our range of low-cost, easy-to-manage accounts

Remember, tax rules can change and the reliefs depend on your personal circumstances. Furthermore you will not have access to monies in a SIPP until you take your retirement benefits, typically after the age of 55 (rising to 57 in 2028). The value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If you are unsure of the suitability of an investment please seek advice.

Whether you are opening a single account, or bringing all your holdings under one roof to save time and money, opening an HL account is quick and easy. You can apply online, download an application form or request that one be sent to you by post.

Before you invest, please read the key features, terms & conditions and important investment notes.

Stocks and Shares ISA

The first port of call for investors looking to save tax.

  • Shelter up to £20,000 this tax year
  • No capital gains tax and no UK tax on income
  • Wide investment choice
  • Access your money at any time

Open a Stocks and Shares ISA

Transfer a Stocks and Shares ISA to HL

Fund and Share Account

Low cost share dealing with a wide investment choice.

  • Deal from just £5.95 - £11.95 per trade online
  • No investment limit
  • No inactivity fees
  • Set limit orders and stop-loss

Open a Fund and Share Account

Transfer funds and shares to HL


A tax-efficient and low-cost way to save for your retirement.

  • Up to 45% tax relief on your contributions
  • Wide investment choice
  • Manage your pension online
  • Free to start and transfer existing pensions

Open a SIPP

Transfer a pension to HL

Lifetime ISA

A flexible way for adults under 40 to invest for a first home or retirement.

  • Contribute up to £4,000 a year
  • Gain a 25% bonus up to £1,000 each year
  • Access your money when you buy your first home or at age 60
  • Early withdrawals usually subject to a 25% charge

Open a Lifetime ISA

Transfer to the HL Lifetime ISA

Junior ISA

Tax-efficient investing for a child or grandchild.

  • Shelter up to £9,000 this tax year
  • Same tax benefits as 'adult' ISAs
  • Invest from as little as £25 per month or £100 lump sum
  • Initial savings of up to 5.5% with a wide investment choice

Open a Junior ISA

Find out if a child is eligible

Unsure which account is right for you?

Try our interactive account selector