Financial Services

Chesterton Grant

Chesterton Grant

Navigating the world of mortgages can appear overwhelming and as a POA Member who works long hours with varying shift patterns, you may have certain questions around eligibility.

At Chesterton Grant, our friendly team of independent mortgage advisors are here to give the best advice possible whilst guiding you through the application process.

We do not charge any fees for any mortgage recommended and arranged

Coming soon - New website under construction



Navigating the world of pensions and investments can be overwhelming, where do you go for advice?

At Chesterton Grant, our friendly team of advisers are here to give you the best advice possible.


If you are nearing retirement and want advice please do not hesitate to contact us.

If you have pension pots with previous employers and are wondering what your options are please contact us and we will be able to help.


Wondering how to invest your pension lump sum efficiency? Are you happy with how your existing investments are performing?

Chesterton Grant can provide you with advice around all types of investments and can offer a full review of your existing portfolio.

Estate Planning

Do you need advice in relation to protecting your estate? We work on your behalf and, where applicable, utilise the expertise of our strategic partners in the legal, tax and accountancy sectors to provide bespoke estate planning solutions.

  • Legal advice
  • Wills and will writing
  • Trust planning
  • Inheritance tax planning
  • Long term care
  • Gifting
  • Specialist tax planning advice

Serve and Protect Credit Union

Serve and Protect are a free employee benefit available to Prison Officers and their family members – helping them to save, but also there if they need to borrow throughout their career – with flexible repayments straight from their HMPPS salary.

As a not-for-profit financial cooperative, they are owned by and run for our members – offering an ethical alternative to other financial providers.

Here to help you save:

  • Join today for FREE
  • Save a minimum of £10 per month
  • Deductions straight from your salary
  • Change your saving deduction or deposit lump sums at any time
  • Withdraw at any time – online or via our mobile app
  • Earn a return on your savings in the form of an annual dividend
  • Life cover at no extra cost

There if you need to borrow:

  • Affordable loans of up to £25,000
  • Repayments straight from your salary
  • No early repayment penalties
  • Interest calculated on the reducing balance
  • Life cover at no extra cost

Visit the Discount page in the members area to access this benefit




Get your card today & earn up to 6% cashback

Not a credit card or a debit card, the Union Prepaid Plus Card is a new kind of payment card.
Here’s how it works:

  1. Top-up: Top-up your card with money before you shop. You can only spend the money on your card, so there’s less chance of getting carried away.
  2. Shop: You can use your card at over 31 million retailers and outlets worldwide. Plus earn cashback when you spend at your favourite stores: * Sainsbury’s I M&S I Boots I Argos I B&Q I Domino’s Pizza And many more!
  3. Earn cashback: Your cashback is paid to your prepaid account each time you top-up. It’s that easy!

*Range of brands, levels of discounts and cashback are subject to change.
** The Union Prepaid Plus Card is free to apply, you simply pay a monthly fee of £1.95. The first fee will be charged within 30 days of successful application. You must be a POA member to apply.

This card is issued by Clydesdale Bank PLC pursuant to license by MasterCard International Incorporated. This card is an electronic money product. The electronic money associated with this card is provided by PrePay Technologies Ltd, a company regulated by the Financial Services Authority for the issuance of electronic money. PrePay Technologies Ltd is a registered Service Provider of Clydesdale Bank PLC. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

The Union Prepaid Plus card has been arranged for you by Union Income and Union Prepaid Plus. Union Prepaid Plus is a trading name of Union Income Limited (‘UI’). UI is registered in England and Wales. No. 06595562. Registered office: 5th Floor, 7/10 Chandos Street, London W1G 9DQ.


Visit the Discount page in the members area to access this benefit


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The POA is working with the UK's leading debt management charity, StepChange Debt Charity, to provide practical help and support for members who may be experiencing financial difficulties in the current economic climate.

StepChange Debt Charity provides free debt help to over half a million people each year, they provide free, impartial and confidential debt advice, debt management plans (DMPs), welfare benefit checks, bankruptcy advice & support, IVA's, mortgage arrears support, equity release advice and debt relief order (DRO) applications.


The unique StepChange Debt Charity helpline number for POA members is 0800 1381111 available Monday to Friday 8am to 8pm, and Saturday 9am to 3pm. Or by using the Free online debt advice service StepChange Debt Remedy which is available 24 hours a day. The online process only take about 20 minutes to complete and is free and anonymous.

Visit the Discount page in the members area to access this benefit

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Dear Member

You may be entitled to a tax refund

As a member of The Prison Officers Association you are eligible to have your tax code checked by professional tax experts at The Tax Refund Company.

Very few members think they are owed a refund before they fill in the form. Most of those getting a refund were pleasantly surprised when a cheque arrived in the post.

As a member, we would like to give you the opportunity to take advantage of this excellent service.

If you wish to use the service, the main facts you need to know are:

  • If there is no tax refund you pay no fee. The service is entirely free of charge
  • For every £1 refunded, you keep 62p (minimum fee £38*)
  • YOU keep 100% of any future savings you make from a new tax code


Visit the Discount page in the members area to access this benefit

This is your hard earned money. Why let The Revenue keep it?

* Where your refund is under £38, the fee will be reduced to the amount of the refund so you have nothing more to pay.



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Representing over 30,000 Prison, Correctional and Secure Psychiatric Workers, the POA is the largest UK Union in this sector, able to trace its roots back more than 100 years.