Savings
Aldermore – 3 Year Fixed Rate Account
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Savers who are happy to lock their nest egg away for a period may be tempted by the 3 Year Fixed Rate Account from Aldermore. Following a rate increase this week, this now pays 3.25% on anniversary and improves its position in the top 10 when compared against similar bonds currently available. As may be expected, earlier access is not permitted, but there is some flexibility to make further additions for 14 days from account opening. Also, this account offers a monthly interest option, which may be a plus for those looking to supplement their income. Overall, this account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 3.25% gross / 3.25% AER payable on anniversary / monthly interest option of 3.20% gross / 3.25% AER also available
- Notice / term: Three years
- Minimum opening amount: £1,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18. Joint account option available.
Close Brothers Savings – 2 Year Fixed Rate Bond
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“One of the accounts to receive a rate increase from Close Brothers Savings this week is the 2 Year Fixed Rate Bond. Rising from 3.07% to now pay 3.15% yearly, this could be an enticing choice for savers with at least £10,000 to invest and who are happy to lock their savings pot away for the term of the account. Following the update, this account takes a place in the top tables and receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 3.15% gross / 3.15% AER payable yearly
- Notice / term: Two years
- Minimum opening amount: £10,000
- Maximum investment amount: £2 million
- Access: Not permitted
- Further additions: Not permitted
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18. Joint account option available.
United Trust Bank – UTB 15 Month Bond
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“This week United Trust Bank has increased selected rates across some products in its fixed rate savings range, including its 15-month option. Now paying a rate of 2.95% on anniversary, the UTB 15 Month Bond takes a position within the top 10 of its sector and may well entice savers who are comfortable with securing their cash away for a short period in order to achieve a competitive return. As neither earlier access nor further additions are permitted, savers must be happy that they can commit their funds for the term from the outset. The account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 2.95% gross / 2.95% AER payable on anniversary
- Notice / term: 15 months
- Minimum opening amount: £5,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Not permitted
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18. Joint account option available.
Allica Bank – 95-Day Notice Personal Savings Account (Issue 1)
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Savers looking to strike a balance between earning a competitive return, but who also want to ensure they have some flexibility to access their savings pot if needed, might be pleased to see that Allica Bank has increased the rate on its 95-Day Notice Personal Savings Account. Rising to pay 2.20% gross, this secures a market-leading position when compared to other notice accounts on offer at the moment and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 2.20% gross / 2.20% AER payable on anniversary
- Notice / term: 95 days
- Minimum opening amount: £10,000
- Maximum investment amount: £250,000
- Access: Permitted, subject to 95 days’ notice
- Further additions: Permitted via a nominated account
- Opening account: Online
- Managing account: Online, by phone and via its mobile app
- Other information: Minimum applicant age 18.
Shawbrook Bank – Easy Access Cash ISA – Issue 20
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Savers who want to take advantage of their ISA allowance and who also want to ensure they maintain flexible access to their cash may be pleased to see that among the accounts to receive a rate rise from Shawbrook Bank this week is the Easy Access Cash ISA. Now paying 1.50%, this ISA takes a position within the top 10 when compared to similar accounts within its sector of the market. Additionally, there is a monthly interest option available, which may further tempt those looking to boost their regular income. On assessment, this ISA receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 1.50% gross / 1.50% AER payable on anniversary / monthly interest option of 1.49% gross / 1.50% AER
- Notice / term: None
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Permitted via nominated account. Minimum withdrawal £500
- Further additions: Permitted
- Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
- Transfers out: Permitted
- Opening account: Online
- Managing account: Online and by phone
- Other information: Minimum applicant age 18.
Mortgages
Barclays Mortgage – Ten-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Barclays Mortgage has made several increases to fixed rates in its range this week, including a rise of 0.20% on its 10-year fixed rate deal at 80% loan-to-value. Available both to those remortgaging and those purchasing a home, this deal could be a tempting choice for those who are considering the stability of a longer-term fixed rate mortgage. The fee of £999 remains unchanged and there is also an incentive package attached to the deal. Despite the increase in rate, when considered as a whole package and compared to similar offerings, this deal retains its position in our top tables for intermediaries and earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.76% fixed rate to 30.11.32
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: All borrowers
- Incentives: Free valuation and, for those remortgaging, free legal fees
- Flexible features: Allows overpayments.
- Lending area: Great Britain and Northern Ireland.
Virgin Money – Three-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“This week Virgin Money has cut up to a noteworthy 0.55% from selected rates in its range. Its three-year fixed 95% loan-to-value for first-time buyers saw a reduction of 0.25% and is now priced at 4.09% until 1 December 2025. This may well attract those hoping to save on any upfront costs associated with a new mortgage, as not only is there no fee, but there is also a generous cashback incentive available. On assessment, the deal takes a place in our top tables and receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.09% fixed rate to 1.12.25
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: First-time buyers (rate also available to alternative borrower types but incentives vary)
- Incentives: £500 cashback
- Flexible features: Allows overpayments. Payment holidays considered by arrangement
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let Mortgages
HSBC – Five-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“HSBC has increased selected five-year rates across its buy-to-let range by up to 0.13% this week. The product at 60% loan-to-value was one which received this rate uplift and is now fixed at 3.67% until 31 October 2027. Landlords looking to purchase a rental property and who wish to lock into the stability of a mid-term fixed rate may find this deal of interest, particularly if they are hoping to keep any set-up costs for their new buy-to-let mortgage to a minimum, as this product continues to carry no fee. Furthermore, there is an attractive incentive package attached to the deal which includes a free valuation and cashback. Therefore, in spite of the rate rise, this product retains a position in the top tables and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 3.67% fixed rate to 31.10.27
- Product fee: None
- Maximum loan-to-value: 60%
- Available to: Second-time buyers
- Incentives: Free valuation and £500 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Savings
Aldermore – 3 Year Fixed Rate Account
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Savers who are happy to lock their nest egg away for a period may be tempted by the 3 Year Fixed Rate Account from Aldermore. Following a rate increase this week, this now pays 3.25% on anniversary and improves its position in the top 10 when compared against similar bonds currently available. As may be expected, earlier access is not permitted, but there is some flexibility to make further additions for 14 days from account opening. Also, this account offers a monthly interest option, which may be a plus for those looking to supplement their income. Overall, this account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 3.25% gross / 3.25% AER payable on anniversary / monthly interest option of 3.20% gross / 3.25% AER also available
- Notice / term: Three years
- Minimum opening amount: £1,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18. Joint account option available.
Close Brothers Savings – 2 Year Fixed Rate Bond
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“One of the accounts to receive a rate increase from Close Brothers Savings this week is the 2 Year Fixed Rate Bond. Rising from 3.07% to now pay 3.15% yearly, this could be an enticing choice for savers with at least £10,000 to invest and who are happy to lock their savings pot away for the term of the account. Following the update, this account takes a place in the top tables and receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 3.15% gross / 3.15% AER payable yearly
- Notice / term: Two years
- Minimum opening amount: £10,000
- Maximum investment amount: £2 million
- Access: Not permitted
- Further additions: Not permitted
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18. Joint account option available.
United Trust Bank – UTB 15 Month Bond
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“This week United Trust Bank has increased selected rates across some products in its fixed rate savings range, including its 15-month option. Now paying a rate of 2.95% on anniversary, the UTB 15 Month Bond takes a position within the top 10 of its sector and may well entice savers who are comfortable with securing their cash away for a short period in order to achieve a competitive return. As neither earlier access nor further additions are permitted, savers must be happy that they can commit their funds for the term from the outset. The account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 2.95% gross / 2.95% AER payable on anniversary
- Notice / term: 15 months
- Minimum opening amount: £5,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Not permitted
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18. Joint account option available.
Allica Bank – 95-Day Notice Personal Savings Account (Issue 1)
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Savers looking to strike a balance between earning a competitive return, but who also want to ensure they have some flexibility to access their savings pot if needed, might be pleased to see that Allica Bank has increased the rate on its 95-Day Notice Personal Savings Account. Rising to pay 2.20% gross, this secures a market-leading position when compared to other notice accounts on offer at the moment and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 2.20% gross / 2.20% AER payable on anniversary
- Notice / term: 95 days
- Minimum opening amount: £10,000
- Maximum investment amount: £250,000
- Access: Permitted, subject to 95 days’ notice
- Further additions: Permitted via a nominated account
- Opening account: Online
- Managing account: Online, by phone and via its mobile app
- Other information: Minimum applicant age 18.
Shawbrook Bank – Easy Access Cash ISA – Issue 20
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Savers who want to take advantage of their ISA allowance and who also want to ensure they maintain flexible access to their cash may be pleased to see that among the accounts to receive a rate rise from Shawbrook Bank this week is the Easy Access Cash ISA. Now paying 1.50%, this ISA takes a position within the top 10 when compared to similar accounts within its sector of the market. Additionally, there is a monthly interest option available, which may further tempt those looking to boost their regular income. On assessment, this ISA receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 1.50% gross / 1.50% AER payable on anniversary / monthly interest option of 1.49% gross / 1.50% AER
- Notice / term: None
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Permitted via nominated account. Minimum withdrawal £500
- Further additions: Permitted
- Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
- Transfers out: Permitted
- Opening account: Online
- Managing account: Online and by phone
- Other information: Minimum applicant age 18.
Mortgages
Barclays Mortgage – Ten-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“Barclays Mortgage has made several increases to fixed rates in its range this week, including a rise of 0.20% on its 10-year fixed rate deal at 80% loan-to-value. Available both to those remortgaging and those purchasing a home, this deal could be a tempting choice for those who are considering the stability of a longer-term fixed rate mortgage. The fee of £999 remains unchanged and there is also an incentive package attached to the deal. Despite the increase in rate, when considered as a whole package and compared to similar offerings, this deal retains its position in our top tables for intermediaries and earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.76% fixed rate to 30.11.32
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: All borrowers
- Incentives: Free valuation and, for those remortgaging, free legal fees
- Flexible features: Allows overpayments.
- Lending area: Great Britain and Northern Ireland.
Virgin Money – Three-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“This week Virgin Money has cut up to a noteworthy 0.55% from selected rates in its range. Its three-year fixed 95% loan-to-value for first-time buyers saw a reduction of 0.25% and is now priced at 4.09% until 1 December 2025. This may well attract those hoping to save on any upfront costs associated with a new mortgage, as not only is there no fee, but there is also a generous cashback incentive available. On assessment, the deal takes a place in our top tables and receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.09% fixed rate to 1.12.25
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: First-time buyers (rate also available to alternative borrower types but incentives vary)
- Incentives: £500 cashback
- Flexible features: Allows overpayments. Payment holidays considered by arrangement
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let Mortgages
HSBC – Five-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Eleanor Williams, Finance Expert at Moneyfacts.co.uk, said:
“HSBC has increased selected five-year rates across its buy-to-let range by up to 0.13% this week. The product at 60% loan-to-value was one which received this rate uplift and is now fixed at 3.67% until 31 October 2027. Landlords looking to purchase a rental property and who wish to lock into the stability of a mid-term fixed rate may find this deal of interest, particularly if they are hoping to keep any set-up costs for their new buy-to-let mortgage to a minimum, as this product continues to carry no fee. Furthermore, there is an attractive incentive package attached to the deal which includes a free valuation and cashback. Therefore, in spite of the rate rise, this product retains a position in the top tables and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 3.67% fixed rate to 31.10.27
- Product fee: None
- Maximum loan-to-value: 60%
- Available to: Second-time buyers
- Incentives: Free valuation and £500 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
