Savings
Beehive Money – One Year Bond Issue 10
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Paying the top rate in the market for its term is the Beehive Money One Year Bond. The account has seen a rate increase to an attractive 5.18% available to those who have a minimum of £500 to invest. Withdrawals are not permitted for the duration of the bond, meaning savers may need to plan carefully, but they may be pleased to note that further additions can be made while the issue remains open. Overall, this receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.18% gross / 5.18% AER payable on maturity
- Notice / term: 31.05.25
- Minimum opening amount: £500
- Maximum investment amount: £250,000
- Access: Not permitted
- Further additions: Permitted while the issue remains open
- Opening account: Online and via mobile app
- Managing account: Online and via mobile app
- Other information: Minimum applicant age 18.
Cynergy Bank – Online ISA (Issue 44)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Cynergy Bank has re-launched its Online ISA, paying 5.00%. The deal secures a competitive position within its sector and may appeal to savers looking for flexibility with their ISA cash, and they can invest as little as £1. Upon opening the account, investors are able to make cash ISA transfers into the account, which may be an added bonus for some. Overall, the account earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.00% gross / 5.00% AER payable yearly
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted via a nominated account
- Further additions: Permitted
- Transfers in: Permitted on account opening only. Accepts Cash ISAs
- Transfers out: Permitted
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18. Cynergy Bank Authenticator App or Digipass required to use online banking.
Shawbrook Bank – 1 Year Fixed Rate Cash ISA Bond Issue 92
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Shawbrook Bank has changed the issue number and reduced the rate on its one year fixed rate cash ISA. Despite paying less than its predecessor, the account still offers an attractive 4.76% gross/AER and maintains a prominent position in the market. For savers looking to boost their monthly income there is the choice to receive a monthly interest payment at 4.66% gross / 4.76% AER. It is possible for consumers to access their cash early, however, this is subject to a 90-day loss of interest, so they may wish to consider carefully. On a positive note, further additions are permitted for the duration of the account. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.76% gross / 4.76% AER payable on anniversary / monthly interest option of 4.66% gross / 4.76% AER also available
- Notice / term: One year
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 90-day loss of interest penalty
- Further additions: Permitted
- Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
- Transfers out: Permitted, subject to 90-day loss of interest penalty
- Opening account: Online
- Managing account: Online and by phone
- Other information: Minimum applicant age 18.
Atom Bank – 3 Year Fixed Saver
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Atom Bank has increased the rates on a selection of its Fixed Savers, including its three-year fixed option. The account pays a market-leading rate for its term. Paying a competitive 4.70% gross/AER, it only requires a minimum investment of £50, making it accessible to many savers, and there is also a monthly interest option for those looking to supplement their income. It is important investors are comfortable with locking up their cash for the longer-term as earlier access is not permitted, however, further additions can be made for a week from the account opening. On assessment, this account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.70% gross / 4.70% AER payable on anniversary / monthly interest option of 4.60% gross / 4.70% AER also available
- Notice / term: Three years
- Minimum opening amount: £50
- Maximum investment amount: £100,000
- Access: Not permitted
- Further additions: Permitted for one week from account opening
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18.
OakNorth Bank – 24 Month Fixed Rate Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, OakNorth Bank has launched a new range of fixed ISAs, including a 24 Month Fixed Rate Cash ISA. It grabs a competitive position in the fixed ISA market and pays 4.57% gross/4.67% AER monthly, which may be an incentive for those looking to boost their income each month. Investors who want to utilise their ISA allowance and are comfortable with locking their cash away for the full term may find this an appealing choice. However, it is wise for investors to note that the account must be funded within 30 days of account approval, or it will be closed. Overall, this deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.57% gross / 4.67% AER, payable monthly
- Notice / term: 24 months
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 180 days’ loss of interest penalty
- Further additions: Permitted for 30 days from account opening
- Transfers in: Permitted for 30 days from account opening. Accepts Cash ISAs
- Transfers out: Permitted, subject to 180 days’ loss of interest penalty
- Opening account: Online and via its mobile app
- Managing account: Online and via its mobile app
- Other information: Minimum applicant age 18. Account must be funded within 30 days of account approval or it will be closed.
Buy-to-Let
HSBC – Five-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“HSBC has reduced a handful of fixed rates this week, one of which includes the five-year fixed rate deal at 75% loan-to-value for all house purchase customers. Despite only seeing a minimal drop of 0.02% the deal may still appeal to many. Charging 4.77% until 31 July 2029, it may be ideal for borrowers looking to save on the upfront cost of their mortgage as there is no product fee associated. There is also an enticing incentive package which includes a free valuation. Overall, this product earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.77% fixed rate to 31.7.29
- Product fee: None
- Maximum loan-to-value: 75%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Savings
Beehive Money – One Year Bond Issue 10
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Paying the top rate in the market for its term is the Beehive Money One Year Bond. The account has seen a rate increase to an attractive 5.18% available to those who have a minimum of £500 to invest. Withdrawals are not permitted for the duration of the bond, meaning savers may need to plan carefully, but they may be pleased to note that further additions can be made while the issue remains open. Overall, this receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.18% gross / 5.18% AER payable on maturity
- Notice / term: 31.05.25
- Minimum opening amount: £500
- Maximum investment amount: £250,000
- Access: Not permitted
- Further additions: Permitted while the issue remains open
- Opening account: Online and via mobile app
- Managing account: Online and via mobile app
- Other information: Minimum applicant age 18.
Cynergy Bank – Online ISA (Issue 44)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Cynergy Bank has re-launched its Online ISA, paying 5.00%. The deal secures a competitive position within its sector and may appeal to savers looking for flexibility with their ISA cash, and they can invest as little as £1. Upon opening the account, investors are able to make cash ISA transfers into the account, which may be an added bonus for some. Overall, the account earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.00% gross / 5.00% AER payable yearly
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted via a nominated account
- Further additions: Permitted
- Transfers in: Permitted on account opening only. Accepts Cash ISAs
- Transfers out: Permitted
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18. Cynergy Bank Authenticator App or Digipass required to use online banking.
Shawbrook Bank – 1 Year Fixed Rate Cash ISA Bond Issue 92
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Shawbrook Bank has changed the issue number and reduced the rate on its one year fixed rate cash ISA. Despite paying less than its predecessor, the account still offers an attractive 4.76% gross/AER and maintains a prominent position in the market. For savers looking to boost their monthly income there is the choice to receive a monthly interest payment at 4.66% gross / 4.76% AER. It is possible for consumers to access their cash early, however, this is subject to a 90-day loss of interest, so they may wish to consider carefully. On a positive note, further additions are permitted for the duration of the account. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.76% gross / 4.76% AER payable on anniversary / monthly interest option of 4.66% gross / 4.76% AER also available
- Notice / term: One year
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 90-day loss of interest penalty
- Further additions: Permitted
- Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
- Transfers out: Permitted, subject to 90-day loss of interest penalty
- Opening account: Online
- Managing account: Online and by phone
- Other information: Minimum applicant age 18.
Atom Bank – 3 Year Fixed Saver
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Atom Bank has increased the rates on a selection of its Fixed Savers, including its three-year fixed option. The account pays a market-leading rate for its term. Paying a competitive 4.70% gross/AER, it only requires a minimum investment of £50, making it accessible to many savers, and there is also a monthly interest option for those looking to supplement their income. It is important investors are comfortable with locking up their cash for the longer-term as earlier access is not permitted, however, further additions can be made for a week from the account opening. On assessment, this account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.70% gross / 4.70% AER payable on anniversary / monthly interest option of 4.60% gross / 4.70% AER also available
- Notice / term: Three years
- Minimum opening amount: £50
- Maximum investment amount: £100,000
- Access: Not permitted
- Further additions: Permitted for one week from account opening
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18.
OakNorth Bank – 24 Month Fixed Rate Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, OakNorth Bank has launched a new range of fixed ISAs, including a 24 Month Fixed Rate Cash ISA. It grabs a competitive position in the fixed ISA market and pays 4.57% gross/4.67% AER monthly, which may be an incentive for those looking to boost their income each month. Investors who want to utilise their ISA allowance and are comfortable with locking their cash away for the full term may find this an appealing choice. However, it is wise for investors to note that the account must be funded within 30 days of account approval, or it will be closed. Overall, this deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.57% gross / 4.67% AER, payable monthly
- Notice / term: 24 months
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 180 days’ loss of interest penalty
- Further additions: Permitted for 30 days from account opening
- Transfers in: Permitted for 30 days from account opening. Accepts Cash ISAs
- Transfers out: Permitted, subject to 180 days’ loss of interest penalty
- Opening account: Online and via its mobile app
- Managing account: Online and via its mobile app
- Other information: Minimum applicant age 18. Account must be funded within 30 days of account approval or it will be closed.
Buy-to-Let
HSBC – Five-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“HSBC has reduced a handful of fixed rates this week, one of which includes the five-year fixed rate deal at 75% loan-to-value for all house purchase customers. Despite only seeing a minimal drop of 0.02% the deal may still appeal to many. Charging 4.77% until 31 July 2029, it may be ideal for borrowers looking to save on the upfront cost of their mortgage as there is no product fee associated. There is also an enticing incentive package which includes a free valuation. Overall, this product earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.77% fixed rate to 31.7.29
- Product fee: None
- Maximum loan-to-value: 75%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
