Savings
DF Capital – 90 Day Notice Account (Issue 1)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“DF Capital has relaunched its 90 Day Notice Account (Issue 1). Paying 5.18% gross at investments worth £1,000, the account takes the market-leading position in the notice and monthly interest arenas. Earlier access is not permitted, so 90 days’ notice will need to be given for savers to access their cash, additionally they will need to withdraw a minimum of £1,000. Interest is paid monthly, which may be an enticing option for those looking to boost their income each month. Adding to its appeal, further additions are permitted via a nominated account. Overall, the deal earns an Excellent Moneyfacts Rating.”
Key product details:
- Rate: 5.18% gross 5.30% AER, payable monthly
- Notice / term: 90 days
- Minimum opening amount: £1,000
- Maximum investment amount: £250,000
- Access: Permitted, subject to 90 days’ notice
- Further additions: Permitted via nominated account
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
Trading 212 – Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Trading 212 increased the rate on its Cash ISA. Paying 4.97% gross, the deal takes the leading position in our top rate tables when compared against its peers. This may be an enticing option for savers who would like more flexibility with their tax-free savings. The deal may appeal to many as it does not require any minimum opening balance and additions can be as small as £1. On assessment, the account secures an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.97% gross / 5.10% AER payable daily
- Notice / term: None
- Minimum opening amount: None
- Maximum investment amount: ISA allowance
- Access: Permitted
- Further additions: Permitted
- Transfers in: Permitted. Accepts Cash and Stocks & Shares ISAs
- Transfers out: Permitted
- Opening account: Online and via mobile app
- Managing account: Online and via mobile app
- Other information: Minimum applicant age 18.
SmartSave – 1 Year Fixed Rate Saver
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week SmartSave has reduced the rate on its 1 Year Fixed Rate Saver. Despite this it maintains a competitive position within its sector. The account pays 4.82%, for those able to invest a minimum of £10,000. As is the case with many fixed bonds, savers cannot withdraw their cash before the term is completed, but they may be happy to see that further additions can be made for 14 days from the account opening. Overall, the account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.82% gross / 4.82% AER payable on maturity (compounded annually)
- Notice / term: One year
- 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.
Birmingham Bank – 3 Year Fixed Rate Bond - Issue 11
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Birmingham Bank has increased the rate on its 3 Year Fixed Rate Bond. The account pays 4.53% which is the market-leading rate for its sector, and it is available for investors able to contribute a minimum of £5,000. Careful planning will be required as earlier access is not permitted, although savers will be able to make further contributions for 14 days from the account opening via a nominated account, which may be more positive news. On assessment, the account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.53% gross / 4.53% AER payable on anniversary
- Notice / term: Three years
- Minimum opening amount: £5,000
- Maximum investment amount: £250,000
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening via nominated account
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18.
Hodge Bank – 2 Year Fixed Rate Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Hodge Bank has reduced the rate on its two-year fixed ISA to 4.32% gross/AER which is paid on the anniversary of the account opening. This may be great news for savers wishing to utilise their full ISA allowance and receive a guaranteed return as the deal takes a competitive position within its sector. There is also a monthly interest option available. Investors should note that earlier access is subject to 180 days’ loss of interest so careful planning is crucial. Further additions can also be made for 14 days from the account opening via a nominated account, which may be a positive note for savers. On assessment, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.32% gross / 4.32% AER payable on anniversary / monthly interest option of 4.24% gross / 4.32% AER also available
- Notice / term: Two years
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 180-day loss of interest penalty
- Further additions: Permitted, for 14 working days from account opening via nominated account
- Transfers in: Not permitted
- Transfers out: Permitted, subject to 180-day loss of interest penalty
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
Mortgages
Santander – Two-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Santander has reduced selected fixed rates for house purchase customers by up to 0.29% this week. One deal to see such a cut is its two-year 60% loan-to-value fixed rate mortgage, which is now priced at 3.99% and is the lowest rate available in the UK market when compared to its peers. Borrowers can also benefit from a reasonable £999 arrangement fee as well as an appealing incentive package, which includes a free valuation. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.99% fixed rate to 2.2.27
- Product fee: £999
- Maximum loan-to-value: 60%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Furness Building Society – Two-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Furness Building Society has reduced the rates on a selection of its ‘Own New’ and core fixed rate mortgages by up to 0.37%. One deal seeing a slightly smaller, but still significant cut of 0.36%, is the two-year fixed deal at 80% loan-to-value for house purchase customers. Priced at 4.39% for two years, this product could be an enticing option for those looking to secure a competitive package. The appeal of this product is further boosted for borrowers trying to keep the initial cost of their mortgage low as it comes with a reasonable £999 fee and an attractive incentive package which includes a free valuation and £250 cashback . Overall, this deal receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.39% fixed rate for two years
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: House purchase
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Leeds BS – Two-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Leeds BS has made reductions to selected fixed rates in its residential range this week. One deal to see a cut of 0.06% is its two-year fixed deal, which is now priced at 5.63% until 31 December 2026. Borrowers may well find this an enticing deal as it does not charge any product fees and comes with an attractive incentive package which includes a free valuation and £500 cashback, making it an ideal choice for those with limited deposits. Overall, the product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.63% fixed rate to 31.12.26
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation and £500 cashback
- Flexible features: Allows overpayments, and lump sums subject to approval
- Lending area: England, Wales, mainland Scotland and Northern Ireland.
Buy-to-let
Cambridge Building Society – Five-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Cambridge Building Society has reduced some of its fixed rate offerings in its buy-to-let range. One of those deals seeing this reduction is the five-year fixed rate, now charging 4.99% at 80% loan-to-value. Those remortgaging will find incentives of a free valuation and free legal fees included. This deal offers a fair product fee of £999, which is ideal for those looking to save significantly on upfront costs. Overall, the deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- 4.99% fixed rate for two years
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: Second-time buyers and remortgage customers
- Incentives: Free valuation, and free legal fees for those remortgaging
- Flexible features: Allows overpayments
- Lending area: England and Wales.
Lloyds Bank – Two-year fixed rate mortgage, 70% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Lloyds Bank has reduced rates across its fixed rate deals by up to 0.13%. Its two-year fixed rate mortgage at 70% loan-to-value was among those to see this rate cut and is now priced at 5.01% until 30th November 2026. The deal does not carry any arrangement fee and comes with an attractive incentive package of a free valuation, which could entice landlords looking to save on the upfront cost of their mortgage. Overall, this deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.01% fixed rate to 30.11.26
- Product fee: None
- Maximum loan-to-value: 70%
- Available to: Second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Furness Building Society – Two-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Furness Building Society has reduced the majority of its buy-to-let fixed rates by up to 0.30%. One deal seeing a slightly smaller cut of 0.19% is the two-year fixed at 80% loan-to-value for second-time buyers and remortgage customers. Priced at a 5.39% for two years, this product could be an enticing option for landlords to secure a competitive rate. The deal comes with an enticing incentive package which enhances it appeal which includes £250 cashback for all borrowers, and for those remortgaging also includes a free valuation. There is also a reasonable £995 product fee attached. Overall, this deal receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.39% fixed rate for two years
- Product fee: £995
- Maximum loan-to-value: 80%
- Available to: Second-time buyers and remortgage customers
- Incentives: £250 cashback for all, and for those remortgaging a free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Savings
DF Capital – 90 Day Notice Account (Issue 1)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“DF Capital has relaunched its 90 Day Notice Account (Issue 1). Paying 5.18% gross at investments worth £1,000, the account takes the market-leading position in the notice and monthly interest arenas. Earlier access is not permitted, so 90 days’ notice will need to be given for savers to access their cash, additionally they will need to withdraw a minimum of £1,000. Interest is paid monthly, which may be an enticing option for those looking to boost their income each month. Adding to its appeal, further additions are permitted via a nominated account. Overall, the deal earns an Excellent Moneyfacts Rating.”
Key product details:
- Rate: 5.18% gross 5.30% AER, payable monthly
- Notice / term: 90 days
- Minimum opening amount: £1,000
- Maximum investment amount: £250,000
- Access: Permitted, subject to 90 days’ notice
- Further additions: Permitted via nominated account
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
Trading 212 – Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Trading 212 increased the rate on its Cash ISA. Paying 4.97% gross, the deal takes the leading position in our top rate tables when compared against its peers. This may be an enticing option for savers who would like more flexibility with their tax-free savings. The deal may appeal to many as it does not require any minimum opening balance and additions can be as small as £1. On assessment, the account secures an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.97% gross / 5.10% AER payable daily
- Notice / term: None
- Minimum opening amount: None
- Maximum investment amount: ISA allowance
- Access: Permitted
- Further additions: Permitted
- Transfers in: Permitted. Accepts Cash and Stocks & Shares ISAs
- Transfers out: Permitted
- Opening account: Online and via mobile app
- Managing account: Online and via mobile app
- Other information: Minimum applicant age 18.
SmartSave – 1 Year Fixed Rate Saver
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week SmartSave has reduced the rate on its 1 Year Fixed Rate Saver. Despite this it maintains a competitive position within its sector. The account pays 4.82%, for those able to invest a minimum of £10,000. As is the case with many fixed bonds, savers cannot withdraw their cash before the term is completed, but they may be happy to see that further additions can be made for 14 days from the account opening. Overall, the account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.82% gross / 4.82% AER payable on maturity (compounded annually)
- Notice / term: One year
- 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.
Birmingham Bank – 3 Year Fixed Rate Bond - Issue 11
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Birmingham Bank has increased the rate on its 3 Year Fixed Rate Bond. The account pays 4.53% which is the market-leading rate for its sector, and it is available for investors able to contribute a minimum of £5,000. Careful planning will be required as earlier access is not permitted, although savers will be able to make further contributions for 14 days from the account opening via a nominated account, which may be more positive news. On assessment, the account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.53% gross / 4.53% AER payable on anniversary
- Notice / term: Three years
- Minimum opening amount: £5,000
- Maximum investment amount: £250,000
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening via nominated account
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18.
Hodge Bank – 2 Year Fixed Rate Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Hodge Bank has reduced the rate on its two-year fixed ISA to 4.32% gross/AER which is paid on the anniversary of the account opening. This may be great news for savers wishing to utilise their full ISA allowance and receive a guaranteed return as the deal takes a competitive position within its sector. There is also a monthly interest option available. Investors should note that earlier access is subject to 180 days’ loss of interest so careful planning is crucial. Further additions can also be made for 14 days from the account opening via a nominated account, which may be a positive note for savers. On assessment, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.32% gross / 4.32% AER payable on anniversary / monthly interest option of 4.24% gross / 4.32% AER also available
- Notice / term: Two years
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 180-day loss of interest penalty
- Further additions: Permitted, for 14 working days from account opening via nominated account
- Transfers in: Not permitted
- Transfers out: Permitted, subject to 180-day loss of interest penalty
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
Mortgages
Santander – Two-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Santander has reduced selected fixed rates for house purchase customers by up to 0.29% this week. One deal to see such a cut is its two-year 60% loan-to-value fixed rate mortgage, which is now priced at 3.99% and is the lowest rate available in the UK market when compared to its peers. Borrowers can also benefit from a reasonable £999 arrangement fee as well as an appealing incentive package, which includes a free valuation. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.99% fixed rate to 2.2.27
- Product fee: £999
- Maximum loan-to-value: 60%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Furness Building Society – Two-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Furness Building Society has reduced the rates on a selection of its ‘Own New’ and core fixed rate mortgages by up to 0.37%. One deal seeing a slightly smaller, but still significant cut of 0.36%, is the two-year fixed deal at 80% loan-to-value for house purchase customers. Priced at 4.39% for two years, this product could be an enticing option for those looking to secure a competitive package. The appeal of this product is further boosted for borrowers trying to keep the initial cost of their mortgage low as it comes with a reasonable £999 fee and an attractive incentive package which includes a free valuation and £250 cashback . Overall, this deal receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.39% fixed rate for two years
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: House purchase
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Leeds BS – Two-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Leeds BS has made reductions to selected fixed rates in its residential range this week. One deal to see a cut of 0.06% is its two-year fixed deal, which is now priced at 5.63% until 31 December 2026. Borrowers may well find this an enticing deal as it does not charge any product fees and comes with an attractive incentive package which includes a free valuation and £500 cashback, making it an ideal choice for those with limited deposits. Overall, the product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.63% fixed rate to 31.12.26
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation and £500 cashback
- Flexible features: Allows overpayments, and lump sums subject to approval
- Lending area: England, Wales, mainland Scotland and Northern Ireland.
Buy-to-let
Cambridge Building Society – Five-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Cambridge Building Society has reduced some of its fixed rate offerings in its buy-to-let range. One of those deals seeing this reduction is the five-year fixed rate, now charging 4.99% at 80% loan-to-value. Those remortgaging will find incentives of a free valuation and free legal fees included. This deal offers a fair product fee of £999, which is ideal for those looking to save significantly on upfront costs. Overall, the deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- 4.99% fixed rate for two years
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: Second-time buyers and remortgage customers
- Incentives: Free valuation, and free legal fees for those remortgaging
- Flexible features: Allows overpayments
- Lending area: England and Wales.
Lloyds Bank – Two-year fixed rate mortgage, 70% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Lloyds Bank has reduced rates across its fixed rate deals by up to 0.13%. Its two-year fixed rate mortgage at 70% loan-to-value was among those to see this rate cut and is now priced at 5.01% until 30th November 2026. The deal does not carry any arrangement fee and comes with an attractive incentive package of a free valuation, which could entice landlords looking to save on the upfront cost of their mortgage. Overall, this deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.01% fixed rate to 30.11.26
- Product fee: None
- Maximum loan-to-value: 70%
- Available to: Second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Furness Building Society – Two-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Furness Building Society has reduced the majority of its buy-to-let fixed rates by up to 0.30%. One deal seeing a slightly smaller cut of 0.19% is the two-year fixed at 80% loan-to-value for second-time buyers and remortgage customers. Priced at a 5.39% for two years, this product could be an enticing option for landlords to secure a competitive rate. The deal comes with an enticing incentive package which enhances it appeal which includes £250 cashback for all borrowers, and for those remortgaging also includes a free valuation. There is also a reasonable £995 product fee attached. Overall, this deal receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.39% fixed rate for two years
- Product fee: £995
- Maximum loan-to-value: 80%
- Available to: Second-time buyers and remortgage customers
- Incentives: £250 cashback for all, and for those remortgaging a free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.