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Do not be taken in by the "cheaper" charges. The site has been down for over 10 days with interim sporadic access. On the off chance your telephone call gets answered suggestions such as "switch your computer off and reboot", indeed "switch your router off and reboot" are mentioned. HL's failure has cost me money trading within my SIPP and Private fund. Hence I am switching everything away from them. Generally the service is poor - emails are not responded to (X4), Stock Prices are generally more expensive (hence lower trading charges). Beware please and don't get fooled. Time to transfer and set up funds is slow. Why do they hold onto my Pension Contributions for over 6 days before crediting my SIPP Account?