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Moneyfacts Pick of the Week - 17/10/2024

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Caitlyn Eastell, Apprentice Press & PR Assistant
Caitlyn Eastell, Apprentice Press & PR Assistant 01603 476169 Email Caitlyn
17/10/2024

Moneyfacts Pick of the Week

The Moneyfactscompare.co.uk Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.

Brief product details, together with independent Moneyfacts analysis, can be used with confidence in your finance sections. You can select one or two products to sit beside a relevant story or use them all as a general feature provided they are sourced to our Spokesperson at Moneyfactscompare.co.uk.

This week, our resident Spokesperson, Caitlyn Eastell, has analysed the following deals, along with their perks, of note:

Moneyfacts Pick of the Week

The Moneyfactscompare.co.uk Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.

Brief product details, together with independent Moneyfacts analysis, can be used with confidence in your finance sections. You can select one or two products to sit beside a relevant story or use them all as a general feature provided they are sourced to our Spokesperson at Moneyfactscompare.co.uk.

This week, our resident Spokesperson, Caitlyn Eastell, has analysed the following deals, along with their perks, of note:

Savings

Atom Bank – Instant Saver Reward

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“This week, Atom Bank has launched a new Instant Saver Reward account, which secures a competitive position when compared to its peers. The account pays 4.75% gross / 4.85% AER monthly; it requires no minimum investment, making it accessible to many savers and for those looking for an income boost. It is worth noting that if savers make a withdrawal the rate reduces to 3.20% gross / 3.25% AER for the remainder of the month. On assessment, this account receives an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 4.75% gross / 4.85% AER payable monthly
  • Notice / term: None
  • Minimum opening amount: £0
  • Maximum investment amount: £100,000
  • Access: Permitted via nominated account. Lower rate paid 3.20% gross / 3.25% AER if withdrawal made in month.
  • Further additions: Permitted via nominated account
  • Opening account: Via its mobile app
  • Managing account: Via its mobile app
  • Other information: Minimum applicant age 18. Must hold a UK current account for accounts opened from 28.8.24.

 

Market Harborough Building Society – Fixed Term Bond 43 (30.11.2026)

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Market Harborough Building Society has increased the rate on its two-year fixed term bond this week. The account pays a market-leading rate for its term, paying 4.61% yearly but does require a substantial £10,000 opening investment amount. As is the case with many fixed rate bonds, earlier access is not permitted, however, savers can make further additions for 10 days from the account opening. On assessment, this account receives an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 4.61% gross / 4.61% AER payable yearly
  • Notice / term: 30.11.26
  • Minimum opening amount: £10,000
  • Maximum investment amount: £500,000
  • Access: Not permitted
  • Further additions: Permitted for 10 days from account opening
  • Opening account: Online and in branch
  • Managing account: Online and in branch
  • Other information: Minimum applicant age 18. Joint account option available.

 

United Trust Bank – Cash ISA 2 Year Bond

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“This week, United Trust Bank has increased the rate on its Cash ISA 2 Year Bond, now paying 4.40%, and places competitively against Cash ISAs with similar terms. Savers must have a minimum investment of £5,000, however, it would be wise to note that earlier access is permitted but will be subject to 270 days’ loss of interest.  Further additions are not permitted, so investors will need to be happy with their initial deposit. Overall, this deal earns an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 4.40% gross / 4.40% AER payable on its anniversary
  • Notice / term: Two-year bond
  • Minimum opening amount: £5,000
  • Maximum investment amount: ISA allowance
  • Access: Permitted. Subject to 270-day loss of interest. Interest can be withdrawn annually on anniversary
  • Further additions: Not permitted
  • Transfers in: Permitted. Accepts Cash ISAs
  • Transfers out: Permitted. Subject to 270-day loss of interest
  • Opening account: Online
  • Managing account: Online, by phone, and by post
  • Other information: Minimum applicant age 18.

 

Principality Building Society – 5 Year Fixed Rate Bond (Issue 470)

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Principality Building Society has increased the rates on its five-year fixed term bond this week. The account takes the market-leading position for its term, paying 4.45% on its anniversary and requires as little as £500 to open the account. As is the case with many fixed rate bonds, earlier access is not permitted, however, savers can make further additions while the issue remains open. Overall, this account receives an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 4.45% gross / 4.45% AER payable on anniversary / monthly interest option of 4.36% gross / 4.45% AER also available
  • Notice / term: five years
  • Minimum opening amount: £500
  • Maximum investment amount: £2 million
  • Access: Not permitted
  • Further additions: Permitted while issue remains open
  • Opening account: Online, by post and in branch
  • Managing account: Online, by post and in branch
  • Other information: Opened in trust for under-14s. Joint account option available. Post opening available to existing customers transferring a maturing Principality fixed term account.

 

Hodge Bank – 3 Year Fixed Rate Cash ISA

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“This week, Hodge Bank has increased the rate on its three-year fixed ISA to 4.27% 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 270 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. On assessment, the deal earns an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 4.27% gross / 4.27% AER payable on anniversary / monthly interest option of 4.19% gross / 4.27% AER also available
  • Notice / term: Three years
  • Minimum opening amount: £1,000
  • Maximum investment amount: ISA allowance
  • Access: Permitted, subject to 270-day loss of interest penalty
  • Further additions: Permitted, for 14 days from account opening via nominated account
  • Transfers in: Not permitted
  • Transfers out: Permitted, subject to 270-day loss of interest penalty
  • Opening account: Online
  • Managing account: Online
  • Other information: Minimum applicant age 18.

 

Mortgages

Santander – Three-year fixed rate mortgage, 60% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Santander has reviewed its fixed rates for house purchase customers this week. One deal to see a rise is its three-year 60% loan-to-value fixed rate mortgage, which is now priced at a competitively low 3.88%. Borrowers will be charged a reasonable £999 arrangement fee and benefit from an appealing incentive package, which includes a free valuation. Overall, this product earns an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 3.88% fixed rate to 2.3.28
  • 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.

 

NatWest – Two-year variable tracker rate mortgage, 90% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“NatWest has increased the rate on its two-year variable tracker rate deal this week. Now priced at 6.11% until 28 February 2027, the deal is available for house purchase customers with a 10% equity or deposit. Borrowers will find a free valuation incentive is included and there is no fee to pay, so the deal may attract those looking to save on the upfront cost of their mortgage. Overall, the deal earns an Excellent Moneyfacts product rating.”

Key product details:

  • 6.11% variable tracker rate to 28.02.27
  • Product fee: None
  • Maximum loan-to-value: 90%
  • Available to: House purchase customers
  • Incentives: Free valuation
  • Flexible features: Allows overpayments
  • Lending area: Great Britain, Northern Ireland.

 

TSB – Five-year fixed rate mortgage, 95% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“TSB has reduced some fixed rate offerings this week. One deal to see a cut is the five-year deal at 95% loan-to-value priced at 5.04% until 31 December 2029. Borrowers may be glad to see that this deal does not charge any product fees, and it also comes with an attractive incentive package which includes a free valuation and £500 cashback. This may be ideal for those looking to save on the upfront cost of their mortgage. Overall, the deal earns an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 5.04 fixed rate to 31.12.29
  • Product fee: None
  • Maximum loan-to-value: 95%
  • Available to: First-time buyers
  • Incentives: Free valuation and £500 cashback
  • Flexible features: Allows overpayments. Also payment holidays after one year, which are subject to approval
  • Lending area: Great Britain.

 

Buy-to-Let

Skipton Building Society – Two-year variable tracker rate mortgage, 75% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Skipton Building Society has reduced the rate on its two-year variable tracker deal this week. Available at 75% loan-to-value, it is priced at 5.84% for two years and charges a £995 fee. Landlords will find a free valuation incentive is included and, for those remortgaging, it also offers free legal fees which may attract those looking to save on the upfront cost. Overall, the deal earns an Excellent Moneyfacts product rating.”

Key product details:

  • 5.84% variable tracker rate (collared at 3%) for two years
  • Product fee: £995
  • Maximum loan-to-value: 75%
  • Available to: Second-time buyers and remortgage customers
  • Incentives: Free valuation for all and free legal fees for remortgages
  • Flexible features: Allows overpayments
  • Lending area: Great Britain.

 

Cards

Barclaycard – Barclaycard Platinum 29 Month Balance Transfer Visa

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“The latest update from Barclaycard sees an increase to the introductory balance term on its Barclaycard Platinum 29 Month Balance Transfer Visa. With this increase, it takes the lead position against its peers and will likely be an attractive option for borrowers looking to transfer existing balances interest-free over a longer period. To benefit from the 0% offer, transfers must be made within the first 60 days. Adding to its appeal, borrowers can expect to receive a range of lifestyle perks, including exclusive presale tickets on selected festivals with 10% off ticket prices and up to 15% cashback on selected retailers with Barclaycard Cashback Rewards. On assessment, the card earns an Outstanding Moneyfacts product rating.”

Key product details:

  • Introductory rate for purchases: None
  • Introductory rate for balance transfers: 0% for 29 months
  • Standard rate for purchases: 24.9% APR
  • Balance transfer fee: 3.45% as an introductory charge during the first two months from account opening. Standard fee quoted on application. Balance must be transferred within 60 days.
  • Card fee: None
  • Opening method: Online, by phone and by post
  • Card management: Online, by phone, by post, in branch and via its mobile app
  • Other information: Minimum age 21. Minimum income £20,000. Buy tickets for up to 3,500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Save 10% on food and drink at all UK 02 Academy venues. Earn up to 15% cashback on selected retailers with Barclaycard Cashback Rewards.

 

Savings

Atom Bank – Instant Saver Reward

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“This week, Atom Bank has launched a new Instant Saver Reward account, which secures a competitive position when compared to its peers. The account pays 4.75% gross / 4.85% AER monthly; it requires no minimum investment, making it accessible to many savers and for those looking for an income boost. It is worth noting that if savers make a withdrawal the rate reduces to 3.20% gross / 3.25% AER for the remainder of the month. On assessment, this account receives an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 4.75% gross / 4.85% AER payable monthly
  • Notice / term: None
  • Minimum opening amount: £0
  • Maximum investment amount: £100,000
  • Access: Permitted via nominated account. Lower rate paid 3.20% gross / 3.25% AER if withdrawal made in month.
  • Further additions: Permitted via nominated account
  • Opening account: Via its mobile app
  • Managing account: Via its mobile app
  • Other information: Minimum applicant age 18. Must hold a UK current account for accounts opened from 28.8.24.

 

Market Harborough Building Society – Fixed Term Bond 43 (30.11.2026)

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Market Harborough Building Society has increased the rate on its two-year fixed term bond this week. The account pays a market-leading rate for its term, paying 4.61% yearly but does require a substantial £10,000 opening investment amount. As is the case with many fixed rate bonds, earlier access is not permitted, however, savers can make further additions for 10 days from the account opening. On assessment, this account receives an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 4.61% gross / 4.61% AER payable yearly
  • Notice / term: 30.11.26
  • Minimum opening amount: £10,000
  • Maximum investment amount: £500,000
  • Access: Not permitted
  • Further additions: Permitted for 10 days from account opening
  • Opening account: Online and in branch
  • Managing account: Online and in branch
  • Other information: Minimum applicant age 18. Joint account option available.

 

United Trust Bank – Cash ISA 2 Year Bond

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“This week, United Trust Bank has increased the rate on its Cash ISA 2 Year Bond, now paying 4.40%, and places competitively against Cash ISAs with similar terms. Savers must have a minimum investment of £5,000, however, it would be wise to note that earlier access is permitted but will be subject to 270 days’ loss of interest.  Further additions are not permitted, so investors will need to be happy with their initial deposit. Overall, this deal earns an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 4.40% gross / 4.40% AER payable on its anniversary
  • Notice / term: Two-year bond
  • Minimum opening amount: £5,000
  • Maximum investment amount: ISA allowance
  • Access: Permitted. Subject to 270-day loss of interest. Interest can be withdrawn annually on anniversary
  • Further additions: Not permitted
  • Transfers in: Permitted. Accepts Cash ISAs
  • Transfers out: Permitted. Subject to 270-day loss of interest
  • Opening account: Online
  • Managing account: Online, by phone, and by post
  • Other information: Minimum applicant age 18.

 

Principality Building Society – 5 Year Fixed Rate Bond (Issue 470)

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Principality Building Society has increased the rates on its five-year fixed term bond this week. The account takes the market-leading position for its term, paying 4.45% on its anniversary and requires as little as £500 to open the account. As is the case with many fixed rate bonds, earlier access is not permitted, however, savers can make further additions while the issue remains open. Overall, this account receives an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 4.45% gross / 4.45% AER payable on anniversary / monthly interest option of 4.36% gross / 4.45% AER also available
  • Notice / term: five years
  • Minimum opening amount: £500
  • Maximum investment amount: £2 million
  • Access: Not permitted
  • Further additions: Permitted while issue remains open
  • Opening account: Online, by post and in branch
  • Managing account: Online, by post and in branch
  • Other information: Opened in trust for under-14s. Joint account option available. Post opening available to existing customers transferring a maturing Principality fixed term account.

 

Hodge Bank – 3 Year Fixed Rate Cash ISA

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“This week, Hodge Bank has increased the rate on its three-year fixed ISA to 4.27% 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 270 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. On assessment, the deal earns an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 4.27% gross / 4.27% AER payable on anniversary / monthly interest option of 4.19% gross / 4.27% AER also available
  • Notice / term: Three years
  • Minimum opening amount: £1,000
  • Maximum investment amount: ISA allowance
  • Access: Permitted, subject to 270-day loss of interest penalty
  • Further additions: Permitted, for 14 days from account opening via nominated account
  • Transfers in: Not permitted
  • Transfers out: Permitted, subject to 270-day loss of interest penalty
  • Opening account: Online
  • Managing account: Online
  • Other information: Minimum applicant age 18.

 

Mortgages

Santander – Three-year fixed rate mortgage, 60% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Santander has reviewed its fixed rates for house purchase customers this week. One deal to see a rise is its three-year 60% loan-to-value fixed rate mortgage, which is now priced at a competitively low 3.88%. Borrowers will be charged a reasonable £999 arrangement fee and benefit from an appealing incentive package, which includes a free valuation. Overall, this product earns an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 3.88% fixed rate to 2.3.28
  • 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.

 

NatWest – Two-year variable tracker rate mortgage, 90% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“NatWest has increased the rate on its two-year variable tracker rate deal this week. Now priced at 6.11% until 28 February 2027, the deal is available for house purchase customers with a 10% equity or deposit. Borrowers will find a free valuation incentive is included and there is no fee to pay, so the deal may attract those looking to save on the upfront cost of their mortgage. Overall, the deal earns an Excellent Moneyfacts product rating.”

Key product details:

  • 6.11% variable tracker rate to 28.02.27
  • Product fee: None
  • Maximum loan-to-value: 90%
  • Available to: House purchase customers
  • Incentives: Free valuation
  • Flexible features: Allows overpayments
  • Lending area: Great Britain, Northern Ireland.

 

TSB – Five-year fixed rate mortgage, 95% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“TSB has reduced some fixed rate offerings this week. One deal to see a cut is the five-year deal at 95% loan-to-value priced at 5.04% until 31 December 2029. Borrowers may be glad to see that this deal does not charge any product fees, and it also comes with an attractive incentive package which includes a free valuation and £500 cashback. This may be ideal for those looking to save on the upfront cost of their mortgage. Overall, the deal earns an Excellent Moneyfacts product rating.”

Key product details:

  • Rate: 5.04 fixed rate to 31.12.29
  • Product fee: None
  • Maximum loan-to-value: 95%
  • Available to: First-time buyers
  • Incentives: Free valuation and £500 cashback
  • Flexible features: Allows overpayments. Also payment holidays after one year, which are subject to approval
  • Lending area: Great Britain.

 

Buy-to-Let

Skipton Building Society – Two-year variable tracker rate mortgage, 75% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Skipton Building Society has reduced the rate on its two-year variable tracker deal this week. Available at 75% loan-to-value, it is priced at 5.84% for two years and charges a £995 fee. Landlords will find a free valuation incentive is included and, for those remortgaging, it also offers free legal fees which may attract those looking to save on the upfront cost. Overall, the deal earns an Excellent Moneyfacts product rating.”

Key product details:

  • 5.84% variable tracker rate (collared at 3%) for two years
  • Product fee: £995
  • Maximum loan-to-value: 75%
  • Available to: Second-time buyers and remortgage customers
  • Incentives: Free valuation for all and free legal fees for remortgages
  • Flexible features: Allows overpayments
  • Lending area: Great Britain.

 

Cards

Barclaycard – Barclaycard Platinum 29 Month Balance Transfer Visa

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“The latest update from Barclaycard sees an increase to the introductory balance term on its Barclaycard Platinum 29 Month Balance Transfer Visa. With this increase, it takes the lead position against its peers and will likely be an attractive option for borrowers looking to transfer existing balances interest-free over a longer period. To benefit from the 0% offer, transfers must be made within the first 60 days. Adding to its appeal, borrowers can expect to receive a range of lifestyle perks, including exclusive presale tickets on selected festivals with 10% off ticket prices and up to 15% cashback on selected retailers with Barclaycard Cashback Rewards. On assessment, the card earns an Outstanding Moneyfacts product rating.”

Key product details:

  • Introductory rate for purchases: None
  • Introductory rate for balance transfers: 0% for 29 months
  • Standard rate for purchases: 24.9% APR
  • Balance transfer fee: 3.45% as an introductory charge during the first two months from account opening. Standard fee quoted on application. Balance must be transferred within 60 days.
  • Card fee: None
  • Opening method: Online, by phone and by post
  • Card management: Online, by phone, by post, in branch and via its mobile app
  • Other information: Minimum age 21. Minimum income £20,000. Buy tickets for up to 3,500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Save 10% on food and drink at all UK 02 Academy venues. Earn up to 15% cashback on selected retailers with Barclaycard Cashback Rewards.

 

Notes to editors

Pioneering financial comparison technology for over 35 years.

Moneyfacts Group plc is the UK’s leading provider of retail financial product data. Used by virtually every bank and building society in the UK, and supplied to the Bank of England, Financial Conduct Authority, Financial Ombudsman Service, HM Treasury, Prudential Regulatory Authority and UK Finance.

Our expert research team monitors the thousands of mortgages, savings, credit card, personal loan, business banking, life, pension and investment products in the UK.

Moneyfactscompare.co.uk is the financial product price comparison site, launched as Moneyfacts.co.uk in 2000 and rebranded to Moneyfactscompare.co.uk in 2023, which helps consumers compare thousands of financial products, including credit cards, savings, mortgages and many more. Unlike other comparison sites, Moneyfactscompare.co.uk shows whole of market data regardless of commercial bias, showing consumers a true picture of the best products based on the criteria they select.

We hope you find this press release insightful. We would appreciate a link back to Moneyfactscompare.co.uk if you decide to source this information.

For more information about us please see our key facts.

Broadcast

Our broadcast suite enables our finance experts to appear in-vision for television, and we regularly comment live on national and regional radio.

To arrange an interview for radio or television, please contact our press department. We have an in-house broadcast room.

 

Notes to editors

Pioneering financial comparison technology for over 35 years.

Moneyfacts Group plc is the UK’s leading provider of retail financial product data. Used by virtually every bank and building society in the UK, and supplied to the Bank of England, Financial Conduct Authority, Financial Ombudsman Service, HM Treasury, Prudential Regulatory Authority and UK Finance.

Our expert research team monitors the thousands of mortgages, savings, credit card, personal loan, business banking, life, pension and investment products in the UK.

Moneyfactscompare.co.uk is the financial product price comparison site, launched as Moneyfacts.co.uk in 2000 and rebranded to Moneyfactscompare.co.uk in 2023, which helps consumers compare thousands of financial products, including credit cards, savings, mortgages and many more. Unlike other comparison sites, Moneyfactscompare.co.uk shows whole of market data regardless of commercial bias, showing consumers a true picture of the best products based on the criteria they select.

We hope you find this press release insightful. We would appreciate a link back to Moneyfactscompare.co.uk if you decide to source this information.

For more information about us please see our key facts.

Broadcast

Our broadcast suite enables our finance experts to appear in-vision for television, and we regularly comment live on national and regional radio.

To arrange an interview for radio or television, please contact our press department. We have an in-house broadcast room.

 

Contact Us If you're looking for extra comment, a chart or more information, then please give us a call. We are always more than happy to help.
Rachel Springall Press Officer / Finance Expert
Caitlyn Eastell Apprentice Press & PR Assistant