Savings
Monument Bank – 60 Day Notice Account
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Monument Bank has re-launched its range of notice accounts, including a 60 Day Notice Account. Paying 4.90% gross / 5.01% AER, the deal takes a competitive place in our top rate tables when compared against other notice accounts and accounts offering monthly interest. This may be an enticing option for savers who don’t mind giving prior notification to accessing their cash or for those wishing to boost their income each month. However, savers will need to invest a substantial amount of £25,000 and the account must be funded within 14 days from account opening, otherwise it will automatically close, which may need to be considered. The account secures an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.90% gross / 5.01% AER payable monthly
- Notice / term: 60 days
- Minimum opening amount: £25,000
- Maximum investment amount: £2 million
- Access: Not permitted unless 60 days’ notice is given
- Further additions: Permitted, via a nominated account
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18. Initial deposit must be made within 14 days from account opening or account will automatically close.
Beehive Money – 1 Year Fixed Rate Cash ISA 5
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Beehive Money has launched a new one-year fixed rate cash ISA. It takes a prominent position in the market for its term paying 4.66% until 14 October 2025. Savers will only need to deposit a minimum of £500 and they may be pleased to see that further additions can be paid in for 14 days from the account opening. It would be wise for investors to carefully consider earlier access on transfers out as they are subject to 90 days’ loss of interest penalty. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.66% gross / 4.66% AER payable yearly
- Notice / term: 14.10.25
- Minimum opening amount: £500
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to transfers out only on 90-day loss of interest penalty
- Further additions: Permitted, for 14 days from account opening
- Transfers in: Permitted, full transfers in within 28 days from account opening. Accepts Cash ISAs
- Transfers out: Permitted, subject to 90-day loss of interest penalty
- Opening account: Online and via mobile app
- Managing account: Online and via mobile app
- Other information: Minimum applicant age 18.
Nottingham Building Society – 2 Year Fixed Rate Cash ISA Issue 199
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Nottingham Building Society has launched a new two-year fixed rate cash ISA. It pays a competitive rate when compared to its peers, savers will be able to receive the 4.56% rate on investments as little as £500 until 14 October 2026. Furthermore, they may be pleased to see that further additions can be paid in for 14 days from the account opening. It would be sensible for investors to carefully consider accessing their cash early as transfers out are subject to 180 days’ loss of interest penalty. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.56% gross / 4.56% AER payable yearly
- Notice / term: 14.10.26
- Minimum opening amount: £500
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to transfers out only on 180-day loss of interest penalty
- Further additions: Permitted, for 14 days from account opening
- Transfers in: Permitted, full transfers in within 28 days from account opening. Accepts Cash and Stocks & Shares ISAs
- Transfers out: Permitted, subject to 180-day loss of interest penalty
- Opening account: In branch
- Managing account: In branch
- Other information: Minimum applicant age 16.
Mortgages
Skipton Building Society – Five-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Skipton Building Society has reduced both two- and five-year fixed rates across selected loan-to-values. Its five-year option at 95% loan-to-value fares best. Seeing a drop of 0.11%, it now charges an appealing 5.19% until 30 November 2029. Borrowers will be glad to find that this deal comes with no arrangement fee but has an attractive incentive package carrying a free valuation, making it an ideal option for those with a limited deposit. On assessment, taking into consideration the reduction in rate, lack of fee and incentive package, the deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- 5.19% fixed rate to 30.11.29
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments and payment holidays after six months, maximum six months holiday per year subject to sufficient overpayments, approval and 14 days’ notice
- Lending area: Great Britain.
Buy-to-Let
Virgin Money – Five-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Virgin Money has reduced selected fixed rates across its buy-to-let mortgage range this week. Seeing a cut of 0.10% is the five-year fixed rate deal at 75% loan-to-value. The deal is now priced at 4.57% until 1 December 2029. It continues to carry a reasonable fee of £995 along with incentives of £500 cashback for those purchasing, or for those remortgaging, a free valuation as well as either £300 cashback or free legal fees. As such this enters the Moneyfacts 'Best Buys'. The reduction, along with its fee and incentive package, enhances its position and earns it an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.57% fixed rate to 1.12.29
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: Second-time buyers and remortgage borrowers
- Incentives: £500 cashback for house purchases. For remortgage borrowers a free valuation, and either £300 cashback or free legal fees
- Flexible features: Allows overpayments and payment holidays
- Lending area: Great Britain and Northern Ireland.
Savings
Monument Bank – 60 Day Notice Account
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Monument Bank has re-launched its range of notice accounts, including a 60 Day Notice Account. Paying 4.90% gross / 5.01% AER, the deal takes a competitive place in our top rate tables when compared against other notice accounts and accounts offering monthly interest. This may be an enticing option for savers who don’t mind giving prior notification to accessing their cash or for those wishing to boost their income each month. However, savers will need to invest a substantial amount of £25,000 and the account must be funded within 14 days from account opening, otherwise it will automatically close, which may need to be considered. The account secures an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.90% gross / 5.01% AER payable monthly
- Notice / term: 60 days
- Minimum opening amount: £25,000
- Maximum investment amount: £2 million
- Access: Not permitted unless 60 days’ notice is given
- Further additions: Permitted, via a nominated account
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18. Initial deposit must be made within 14 days from account opening or account will automatically close.
Beehive Money – 1 Year Fixed Rate Cash ISA 5
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Beehive Money has launched a new one-year fixed rate cash ISA. It takes a prominent position in the market for its term paying 4.66% until 14 October 2025. Savers will only need to deposit a minimum of £500 and they may be pleased to see that further additions can be paid in for 14 days from the account opening. It would be wise for investors to carefully consider earlier access on transfers out as they are subject to 90 days’ loss of interest penalty. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.66% gross / 4.66% AER payable yearly
- Notice / term: 14.10.25
- Minimum opening amount: £500
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to transfers out only on 90-day loss of interest penalty
- Further additions: Permitted, for 14 days from account opening
- Transfers in: Permitted, full transfers in within 28 days from account opening. Accepts Cash ISAs
- Transfers out: Permitted, subject to 90-day loss of interest penalty
- Opening account: Online and via mobile app
- Managing account: Online and via mobile app
- Other information: Minimum applicant age 18.
Nottingham Building Society – 2 Year Fixed Rate Cash ISA Issue 199
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Nottingham Building Society has launched a new two-year fixed rate cash ISA. It pays a competitive rate when compared to its peers, savers will be able to receive the 4.56% rate on investments as little as £500 until 14 October 2026. Furthermore, they may be pleased to see that further additions can be paid in for 14 days from the account opening. It would be sensible for investors to carefully consider accessing their cash early as transfers out are subject to 180 days’ loss of interest penalty. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.56% gross / 4.56% AER payable yearly
- Notice / term: 14.10.26
- Minimum opening amount: £500
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to transfers out only on 180-day loss of interest penalty
- Further additions: Permitted, for 14 days from account opening
- Transfers in: Permitted, full transfers in within 28 days from account opening. Accepts Cash and Stocks & Shares ISAs
- Transfers out: Permitted, subject to 180-day loss of interest penalty
- Opening account: In branch
- Managing account: In branch
- Other information: Minimum applicant age 16.
Mortgages
Skipton Building Society – Five-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Skipton Building Society has reduced both two- and five-year fixed rates across selected loan-to-values. Its five-year option at 95% loan-to-value fares best. Seeing a drop of 0.11%, it now charges an appealing 5.19% until 30 November 2029. Borrowers will be glad to find that this deal comes with no arrangement fee but has an attractive incentive package carrying a free valuation, making it an ideal option for those with a limited deposit. On assessment, taking into consideration the reduction in rate, lack of fee and incentive package, the deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- 5.19% fixed rate to 30.11.29
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments and payment holidays after six months, maximum six months holiday per year subject to sufficient overpayments, approval and 14 days’ notice
- Lending area: Great Britain.
Buy-to-Let
Virgin Money – Five-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Virgin Money has reduced selected fixed rates across its buy-to-let mortgage range this week. Seeing a cut of 0.10% is the five-year fixed rate deal at 75% loan-to-value. The deal is now priced at 4.57% until 1 December 2029. It continues to carry a reasonable fee of £995 along with incentives of £500 cashback for those purchasing, or for those remortgaging, a free valuation as well as either £300 cashback or free legal fees. As such this enters the Moneyfacts 'Best Buys'. The reduction, along with its fee and incentive package, enhances its position and earns it an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.57% fixed rate to 1.12.29
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: Second-time buyers and remortgage borrowers
- Incentives: £500 cashback for house purchases. For remortgage borrowers a free valuation, and either £300 cashback or free legal fees
- Flexible features: Allows overpayments and payment holidays
- Lending area: Great Britain and Northern Ireland.
