Savings
Hampshire Trust Bank – Online Easy Access Account (Issue 14)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Hampshire Trust Bank has increased the rate on its online easy access account by 0.54% this week. Now paying 5.09% gross / 5.09% AER, the product is available with a minimum investment of just £1. Withdrawals can be made to a nominated account at any time. Savers can open the account online, and manage it online, by post or via telephone.”
Key product details:
- Rate: 5.09% gross / 5.09% AER payable on anniversary
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: £250,000
- Access: Permitted via nominated account
- Further additions: Permitted via nominated account
- Opening account: Online
- Managing account: Online, by post and by phone
- Other information: Minimum applicant age 18. Joint account option available.
Paragon Bank – Double Access Cash ISA – Issue 2
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Paragon Bank has launched a new Double Access Cash ISA (Issue 2). Paying a rate of 4.95% gross / 4.95% AER, making more than two withdrawals in a 12-month period will mean a lower interest rate is paid thereafter. The account must be opened and managed online and is available with a minimum investment of £1,000.”
Key product details:
- Rate: 4.95% gross / 4.95% AER payable on anniversary / monthly interest option of 4.84% gross / 4.95% AER also available
- Notice / term: None
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Two withdrawals permitted in a 12-month period, any more will result in lower rate being paid
- Further additions: Permitted
- Transfers in: Cash and Stocks & Shares ISAs
- Transfers out: Permitted
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18. Flexible ISA rules apply.
Ford Money – Fixed Saver 2 Year
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Ford Money has reduced the rates on its Fixed Savers by 0.10%. Despite this, its Fixed Saver 2 Year retains a place in the top 10 compared with other fixed bonds of a similar term. The account now pays 5.95% and can be opened and managed online. With a minimum investment level of just £500 and a maximum of £2 million, this may be an attractive prospect for a variety of savers. Further additions are also permitted for 21 days from account opening. The product is open to those aged 16 or over and is available as a joint account.
Key product details:
- Rate: 5.95% gross / 5.95% AER payable on anniversary / monthly interest option of 5.79% gross / 5.95% AER also available
- Notice / term: Two years
- Minimum opening amount: £500
- Maximum investment amount: £2 million
- Access: None
- Further additions: Permitted for 21 days from account opening
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 16. Joint account option available.
Close Brothers Savings – 2 Year Fixed Rate Bond
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Close Brothers Savings has launched a new 2 Year Fixed Rate Bond, which pays 5.90% gross / 5.90% AER. It can be opened with a minimum investment of £10,000, and further additions are permitted for 10 days from account opening. The product can only be opened online, though it can be managed online, or via post or telephone.”
Key product details:
- Rate: 5.90% gross / 5.90% AER paid yearly
- Notice / term: Two years
- Minimum opening amount: £10,000
- Maximum investment amount: £2 million
- Access: None
- Further additions: Permitted for 10 days from account opening
- Opening account: Online
- Managing account: Online, by post and by phone
- Other information: Minimum applicant age 18. Joint account option available.
Mortgages
Nationwide Building Society – Three-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Nationwide has reduced various fixed rate products this week, by up to 0.45% including its three-year fixed deal. The 60% loan-to-value offering for second-time buyers is now priced at a highly competitive 4.99% for three years, which sees this deal become the lowest offering on rate alone. It carries a fair fee of £999, which borrowers have the option to add to the advance. This deal offers a range of incentives, including a free valuation and green rewards for qualifying properties. Borrowers may also note that this deal offers both overpayments and underpayments, subject to approval and previous overpayments being made. On assessment, this deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.99% fixed rate for three years
- Product fee: £999
- Maximum loan-to-value: 60%
- Available to: Second-time buyers
- Incentives: Free valuation and Green Reward for properties with an EPC score of 86 to 91, £250, or Green Reward for properties with an EPC score of 92+, £500
- Flexible features: Allows overpayments. Underpayments considered subject to approval and overpayments having been made previously
- Lending area: Great Britain and Northern Ireland (excluding Scilly Isles).
first direct – Two-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, first direct has reduced selected fixed rates in its range, including its two-year fixed offer at 60% loan-to-value. Now priced at 5.36%, the deal may appeal to borrowers looking to save on the upfront cost of their mortgage. A free valuation for all borrowers is part of its incentive package, with free legal fees for those remortgaging, plus the deal charges a reasonable £490 product fee. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.36% fixed rate for two years
- Product fee: £490
- Maximum loan-to-value: 60%
- Available to: All borrowers
- Incentives: Free valuation for all borrowers and free legal fees for those remortgaging
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
West Brom Building Society – Three-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“West Brom Building Society has reduced its three-year fixed deals this week, including its 95% loan-to-value until 31 January 2027. Priced at 6.19%, this deal offers borrowers a free valuation incentive and carries an affordable fee of £499, which can be added to the advance of the mortgage. Those borrowers who are looking to save on the upfront cost of their deal may then find this an attractive choice. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 6.19% fixed rate to 31.1.27
- Product fee: £499
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: England and Wales.
Buy-to-Let
Bath Building Society – Two-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Bath Building Society has made several cuts across its range this week, including its two-year fixed rate at 80% loan-to-value. This deal offers a competitive rate of 6.24%, which may appeal to landlords looking to secure their monthly repayments over the next two years. Although this deal does not have an incentive package, it instead offers a reasonable product fee of £999 which can be added to the mortgage advance. Landlords may also want to consider that this deal offers the option of a payment holiday, subject to approval. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 6.24% fixed rate for five years
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: Second-time buyers and remortgage customers
- Incentives: None
- Flexible features: Allows overpayments and payment holidays, subject to approval
- Lending area: England and Wales.
Savings
Hampshire Trust Bank – Online Easy Access Account (Issue 14)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Hampshire Trust Bank has increased the rate on its online easy access account by 0.54% this week. Now paying 5.09% gross / 5.09% AER, the product is available with a minimum investment of just £1. Withdrawals can be made to a nominated account at any time. Savers can open the account online, and manage it online, by post or via telephone.”
Key product details:
- Rate: 5.09% gross / 5.09% AER payable on anniversary
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: £250,000
- Access: Permitted via nominated account
- Further additions: Permitted via nominated account
- Opening account: Online
- Managing account: Online, by post and by phone
- Other information: Minimum applicant age 18. Joint account option available.
Paragon Bank – Double Access Cash ISA – Issue 2
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Paragon Bank has launched a new Double Access Cash ISA (Issue 2). Paying a rate of 4.95% gross / 4.95% AER, making more than two withdrawals in a 12-month period will mean a lower interest rate is paid thereafter. The account must be opened and managed online and is available with a minimum investment of £1,000.”
Key product details:
- Rate: 4.95% gross / 4.95% AER payable on anniversary / monthly interest option of 4.84% gross / 4.95% AER also available
- Notice / term: None
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Two withdrawals permitted in a 12-month period, any more will result in lower rate being paid
- Further additions: Permitted
- Transfers in: Cash and Stocks & Shares ISAs
- Transfers out: Permitted
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18. Flexible ISA rules apply.
Ford Money – Fixed Saver 2 Year
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Ford Money has reduced the rates on its Fixed Savers by 0.10%. Despite this, its Fixed Saver 2 Year retains a place in the top 10 compared with other fixed bonds of a similar term. The account now pays 5.95% and can be opened and managed online. With a minimum investment level of just £500 and a maximum of £2 million, this may be an attractive prospect for a variety of savers. Further additions are also permitted for 21 days from account opening. The product is open to those aged 16 or over and is available as a joint account.
Key product details:
- Rate: 5.95% gross / 5.95% AER payable on anniversary / monthly interest option of 5.79% gross / 5.95% AER also available
- Notice / term: Two years
- Minimum opening amount: £500
- Maximum investment amount: £2 million
- Access: None
- Further additions: Permitted for 21 days from account opening
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 16. Joint account option available.
Close Brothers Savings – 2 Year Fixed Rate Bond
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Close Brothers Savings has launched a new 2 Year Fixed Rate Bond, which pays 5.90% gross / 5.90% AER. It can be opened with a minimum investment of £10,000, and further additions are permitted for 10 days from account opening. The product can only be opened online, though it can be managed online, or via post or telephone.”
Key product details:
- Rate: 5.90% gross / 5.90% AER paid yearly
- Notice / term: Two years
- Minimum opening amount: £10,000
- Maximum investment amount: £2 million
- Access: None
- Further additions: Permitted for 10 days from account opening
- Opening account: Online
- Managing account: Online, by post and by phone
- Other information: Minimum applicant age 18. Joint account option available.
Mortgages
Nationwide Building Society – Three-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Nationwide has reduced various fixed rate products this week, by up to 0.45% including its three-year fixed deal. The 60% loan-to-value offering for second-time buyers is now priced at a highly competitive 4.99% for three years, which sees this deal become the lowest offering on rate alone. It carries a fair fee of £999, which borrowers have the option to add to the advance. This deal offers a range of incentives, including a free valuation and green rewards for qualifying properties. Borrowers may also note that this deal offers both overpayments and underpayments, subject to approval and previous overpayments being made. On assessment, this deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.99% fixed rate for three years
- Product fee: £999
- Maximum loan-to-value: 60%
- Available to: Second-time buyers
- Incentives: Free valuation and Green Reward for properties with an EPC score of 86 to 91, £250, or Green Reward for properties with an EPC score of 92+, £500
- Flexible features: Allows overpayments. Underpayments considered subject to approval and overpayments having been made previously
- Lending area: Great Britain and Northern Ireland (excluding Scilly Isles).
first direct – Two-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, first direct has reduced selected fixed rates in its range, including its two-year fixed offer at 60% loan-to-value. Now priced at 5.36%, the deal may appeal to borrowers looking to save on the upfront cost of their mortgage. A free valuation for all borrowers is part of its incentive package, with free legal fees for those remortgaging, plus the deal charges a reasonable £490 product fee. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.36% fixed rate for two years
- Product fee: £490
- Maximum loan-to-value: 60%
- Available to: All borrowers
- Incentives: Free valuation for all borrowers and free legal fees for those remortgaging
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
West Brom Building Society – Three-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“West Brom Building Society has reduced its three-year fixed deals this week, including its 95% loan-to-value until 31 January 2027. Priced at 6.19%, this deal offers borrowers a free valuation incentive and carries an affordable fee of £499, which can be added to the advance of the mortgage. Those borrowers who are looking to save on the upfront cost of their deal may then find this an attractive choice. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 6.19% fixed rate to 31.1.27
- Product fee: £499
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: England and Wales.
Buy-to-Let
Bath Building Society – Two-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Bath Building Society has made several cuts across its range this week, including its two-year fixed rate at 80% loan-to-value. This deal offers a competitive rate of 6.24%, which may appeal to landlords looking to secure their monthly repayments over the next two years. Although this deal does not have an incentive package, it instead offers a reasonable product fee of £999 which can be added to the mortgage advance. Landlords may also want to consider that this deal offers the option of a payment holiday, subject to approval. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 6.24% fixed rate for five years
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: Second-time buyers and remortgage customers
- Incentives: None
- Flexible features: Allows overpayments and payment holidays, subject to approval
- Lending area: England and Wales.
