Savings
SmartSave – 2 Year Fixed Rate Saver
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“SmartSave has launched new Fixed Rate Savers this week, including a two-year fixed rate bond option which may tempt those who are happy to lock their nest egg away in order to receive a guaranteed return. Open to those with at least £10,000 to invest, this account pays 4.54% on maturity which sees it take the lead position in our top rate tables when compared against other bonds with similar terms currently on the market. As may be expected, earlier access to funds is not permitted, so savers need to be happy to commit their cash for the term of the account, but there is a little flexibility to make further additions for 14 days from account opening, which could be a plus for some investors. Overall, this account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.54% gross / 4.54% AER, payable on maturity (compounded annually)
- Notice / term: Two years
- Minimum opening amount: £10,000
- Maximum investment amount: £85,000
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
Hinckley & Rugby Building Society – 30 Month Fixed Rate Bond Issue 3
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Hinckley & Rugby Building Society has launched a new 30 Month Fixed Rate Bond this week. This new account, paying 4.50% yearly, takes a place in the top 10 when compared to other bonds with similar terms. This may be an attractive choice for savers happy to secure their savings pot away for the term of the account and who have the required £5,000 minimum investment. As is common with many fixed accounts, neither earlier access to funds nor further additions are permitted, so savers need to be happy to secure their nest egg away at the outset. Overall, this account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.50% gross / 4.50% AER, payable yearly
- Notice / term: 30 months
- Minimum opening amount: £5,000
- Maximum investment amount: £300,000
- Access: Not permitted
- Further additions: Not permitted
- Opening account: By post and in branch
- Managing account: By post and in branch
- Other information: No minimum applicant age, operated by an adult nominee for under-13s. Joint account option available.
Bank of London and the Middle East – 90 Day Notice Account (Issue 5)
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“This week the Bank of London and the Middle East has increased the expected profit rate paid on its 90 Day Notice account. Rising to now pay 3.20% gross quarterly, this account improves its position in the top 10 when compared against other notice products currently on the market. Savers who are happy to give some advance notice in order to access their cash may well find this an appealing option, but should note that all withdrawals must be a minimum of £1,000. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 3.20% gross / 3.24% AER payable quarterly
- Notice / term: 90 days
- Minimum opening amount: £10,000
- Maximum investment amount: £1 million
- Access: Permitted, subject to 90 days’ notice, minimum withdrawal amount £1,000
- Further additions: Permitted
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18. Joint account option available. Shari’ah compliant account – rates shown are an expected profit rate.
Skipton Building Society – Triple Access Saver Issue 6
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Skipton Building Society has launched a new Triple Access Saver to its product range this week. Paying a return of 2.65%, this account may suit those who are happy to limit their access to their savings cash as only up to three withdrawals are possible per year. There is also a monthly interest option available on the account, which might further tempt those who are looking to supplement their regular income. Overall, the deal takes a place in the top 10 compared to other similar easy access accounts, and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 2.65% gross / 2.65% AER payable on anniversary / monthly interest rate option of rate 2.62% gross / 2.65% AER also available
- Notice / term: Instant
- Minimum opening amount: £5,000
- Maximum investment amount: £1 million
- Access: Permitted, up to three withdrawals per calendar year
- Further additions: Permitted
- Opening account: Online, by phone, by post and in branch
- Managing account: Online, by phone, by post and in branch
- Other information: Minimum applicant age 16. Joint account option available.
Mortgages
Newcastle Building Society – Five-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“This week Newcastle Building Society has reduced a couple of its mid-term fixed rate products. One of these deals which sees a significant cut of 0.70% is a five-year fixed rate option at 80% loan-to-value. Available to all borrower types, this is now priced at 4.70% until 31 March 2028. Not only is this now a competitive initial rate for its sector, but when considered as a package the appeal of this product is boosted further as there is no fee to pay, and borrowers can benefit from the incentive of a free valuation. This means that those looking to keep any mortgage set-up costs to a minimum may find this a tempting option. On assessment, this deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.70% fixed rate to 31.3.28
- Product fee: None
- Maximum loan-to-value: 80%
- Available to: All borrower types
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Skipton Building Society – Three-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Skipton Building Society has made various amendments to its three-year fixed rate products this week. The 95% loan-to-value offering with no fee payable is now offered at a fixed rate of 5.59% until 28 February 2026. This product is available to both first- and second-time buyers and on rate alone is now the lowest available within its sector of the market. Additionally, those who have limited funds to cover mortgage set-up costs will be further pleased to note that not only is there no product fee to pay, but also a free valuation incentive available. Assessed as a whole, this mortgage earns a position in our top rate tables for first-time buyers and an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.59% fixed rate to 28.2.26
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments. Payment holidays considered after six months, subject to approval and with notice required.
- Lending area: Great Britain.
Buy-to-let
Accord Mortgages – Five-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“This week sees Accord Mortgages make reductions to a selection of its fixed rate buy-to-let products. One of the deals to see a rate cut is available to landlords who are purchasing a property with a 25% deposit. Following a reduction of 0.07%, this is now priced at 5.24% until 30 April 2028. This product may be an attractive package for landlords looking for a reasonable initial rate, and who also wish to benefit from keeping any set-up costs associated with taking on a new mortgage to a minimum, as the £995 fee can be added to the mortgage advance, and there is a very generous incentive package available which includes not only cashback, but also free valuation and free legal fees. Overall, this deal receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.24% fixed rate to 30.4.28
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: Second-time buyers
- Incentives: £500 cashback and free valuation
- Flexible features: Allows overpayments.
Furness Building Society – Five-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Landlords who have either 20% equity or deposit available may be interested to note the updates from Furness Building Society this week. The provider has made reductions of up to 0.30% across five-year fixed rates in its buy-to-let range. One deal which may tempt landlords looking for a mid-term fixed rate is the offering at 80% loan-to-value. Following a rate cut of 0.30%, this option is now priced at 5.89% for five years. The appeal of this deal is further boosted by the fact that the reasonable £995 fee is slightly offset by a generous incentive package which includes both cashback and, for those remortgaging, a free valuation. Assessed as a whole, this product earns a place in our top tables and an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.89% fixed rate for five years
- Product fee: £995
- Maximum loan-to-value: 80%
- Available to: Second-time buyers and remortgage borrowers
- Incentives: £250 cashback and, for remortgage borrowers, free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Savings
SmartSave – 2 Year Fixed Rate Saver
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“SmartSave has launched new Fixed Rate Savers this week, including a two-year fixed rate bond option which may tempt those who are happy to lock their nest egg away in order to receive a guaranteed return. Open to those with at least £10,000 to invest, this account pays 4.54% on maturity which sees it take the lead position in our top rate tables when compared against other bonds with similar terms currently on the market. As may be expected, earlier access to funds is not permitted, so savers need to be happy to commit their cash for the term of the account, but there is a little flexibility to make further additions for 14 days from account opening, which could be a plus for some investors. Overall, this account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.54% gross / 4.54% AER, payable on maturity (compounded annually)
- Notice / term: Two years
- Minimum opening amount: £10,000
- Maximum investment amount: £85,000
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
Hinckley & Rugby Building Society – 30 Month Fixed Rate Bond Issue 3
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Hinckley & Rugby Building Society has launched a new 30 Month Fixed Rate Bond this week. This new account, paying 4.50% yearly, takes a place in the top 10 when compared to other bonds with similar terms. This may be an attractive choice for savers happy to secure their savings pot away for the term of the account and who have the required £5,000 minimum investment. As is common with many fixed accounts, neither earlier access to funds nor further additions are permitted, so savers need to be happy to secure their nest egg away at the outset. Overall, this account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.50% gross / 4.50% AER, payable yearly
- Notice / term: 30 months
- Minimum opening amount: £5,000
- Maximum investment amount: £300,000
- Access: Not permitted
- Further additions: Not permitted
- Opening account: By post and in branch
- Managing account: By post and in branch
- Other information: No minimum applicant age, operated by an adult nominee for under-13s. Joint account option available.
Bank of London and the Middle East – 90 Day Notice Account (Issue 5)
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“This week the Bank of London and the Middle East has increased the expected profit rate paid on its 90 Day Notice account. Rising to now pay 3.20% gross quarterly, this account improves its position in the top 10 when compared against other notice products currently on the market. Savers who are happy to give some advance notice in order to access their cash may well find this an appealing option, but should note that all withdrawals must be a minimum of £1,000. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 3.20% gross / 3.24% AER payable quarterly
- Notice / term: 90 days
- Minimum opening amount: £10,000
- Maximum investment amount: £1 million
- Access: Permitted, subject to 90 days’ notice, minimum withdrawal amount £1,000
- Further additions: Permitted
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18. Joint account option available. Shari’ah compliant account – rates shown are an expected profit rate.
Skipton Building Society – Triple Access Saver Issue 6
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Skipton Building Society has launched a new Triple Access Saver to its product range this week. Paying a return of 2.65%, this account may suit those who are happy to limit their access to their savings cash as only up to three withdrawals are possible per year. There is also a monthly interest option available on the account, which might further tempt those who are looking to supplement their regular income. Overall, the deal takes a place in the top 10 compared to other similar easy access accounts, and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 2.65% gross / 2.65% AER payable on anniversary / monthly interest rate option of rate 2.62% gross / 2.65% AER also available
- Notice / term: Instant
- Minimum opening amount: £5,000
- Maximum investment amount: £1 million
- Access: Permitted, up to three withdrawals per calendar year
- Further additions: Permitted
- Opening account: Online, by phone, by post and in branch
- Managing account: Online, by phone, by post and in branch
- Other information: Minimum applicant age 16. Joint account option available.
Mortgages
Newcastle Building Society – Five-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“This week Newcastle Building Society has reduced a couple of its mid-term fixed rate products. One of these deals which sees a significant cut of 0.70% is a five-year fixed rate option at 80% loan-to-value. Available to all borrower types, this is now priced at 4.70% until 31 March 2028. Not only is this now a competitive initial rate for its sector, but when considered as a package the appeal of this product is boosted further as there is no fee to pay, and borrowers can benefit from the incentive of a free valuation. This means that those looking to keep any mortgage set-up costs to a minimum may find this a tempting option. On assessment, this deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.70% fixed rate to 31.3.28
- Product fee: None
- Maximum loan-to-value: 80%
- Available to: All borrower types
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Skipton Building Society – Three-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Skipton Building Society has made various amendments to its three-year fixed rate products this week. The 95% loan-to-value offering with no fee payable is now offered at a fixed rate of 5.59% until 28 February 2026. This product is available to both first- and second-time buyers and on rate alone is now the lowest available within its sector of the market. Additionally, those who have limited funds to cover mortgage set-up costs will be further pleased to note that not only is there no product fee to pay, but also a free valuation incentive available. Assessed as a whole, this mortgage earns a position in our top rate tables for first-time buyers and an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.59% fixed rate to 28.2.26
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments. Payment holidays considered after six months, subject to approval and with notice required.
- Lending area: Great Britain.
Buy-to-let
Accord Mortgages – Five-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“This week sees Accord Mortgages make reductions to a selection of its fixed rate buy-to-let products. One of the deals to see a rate cut is available to landlords who are purchasing a property with a 25% deposit. Following a reduction of 0.07%, this is now priced at 5.24% until 30 April 2028. This product may be an attractive package for landlords looking for a reasonable initial rate, and who also wish to benefit from keeping any set-up costs associated with taking on a new mortgage to a minimum, as the £995 fee can be added to the mortgage advance, and there is a very generous incentive package available which includes not only cashback, but also free valuation and free legal fees. Overall, this deal receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.24% fixed rate to 30.4.28
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: Second-time buyers
- Incentives: £500 cashback and free valuation
- Flexible features: Allows overpayments.
Furness Building Society – Five-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Landlords who have either 20% equity or deposit available may be interested to note the updates from Furness Building Society this week. The provider has made reductions of up to 0.30% across five-year fixed rates in its buy-to-let range. One deal which may tempt landlords looking for a mid-term fixed rate is the offering at 80% loan-to-value. Following a rate cut of 0.30%, this option is now priced at 5.89% for five years. The appeal of this deal is further boosted by the fact that the reasonable £995 fee is slightly offset by a generous incentive package which includes both cashback and, for those remortgaging, a free valuation. Assessed as a whole, this product earns a place in our top tables and an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.89% fixed rate for five years
- Product fee: £995
- Maximum loan-to-value: 80%
- Available to: Second-time buyers and remortgage borrowers
- Incentives: £250 cashback and, for remortgage borrowers, free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
