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At the Manchester, we have been providing sound financial products since 1922. We are committed to mutuality because we believe it enables us to offer not only higher levels of service than many banks, but also a comprehensive range of attractive investment and mortgage products. We operate a streamlined organisation, based in the heart of Manchester with a national network of agencies. Because of this we are able to keep our costs to a minimum and pass on the benefits The regular appearance of our products in the Best Buy tables of the national press is testimony to our efforts. Manchester Building Society is authorised and regulated by the Financial Services Authority and is a member of the Building Societies Association, Council of Mortgage Lenders and the Financial Ombudsman Scheme. The Society also subscribes to the Banking Code and the Mortgage Code, copies of which are available on request.