Savings
Vida Savings – 1 Year Fixed Rate Bond
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“It’s exciting to see a new savings provider enter the market this week. The one-year fixed bond from Vida Savings is competitively priced at 4.77% and takes a place in the top rate tables. The deal may appeal to savers looking for a competitive return over the next year and happy to lock their money away for the duration. The monthly interest option may also entice those looking to supplement their income. Savers will need to invest at least £100, but the account does allow further additions within the first 21 days of account opening. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.77% gross / 4.77% AER, payable on its anniversary / monthly interest option of 4.67% gross / 4.77% AER also available
- Notice / term: One year
- Minimum opening amount: £100
- Maximum investment amount: £85,000
- Access: Not permitted
- Further additions: Permitted for 21 days from account opening
- Opening account: Online
- Managing account: Online and via mobile app
- Other information: Minimum applicant age 18. Joint account option available.
Hodge Bank – 3 Year Fixed Rate Bond
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Hodge Bank has increased the rate on its 3 Year Fixed Rate Bond this week, improving its place in the market. Now paying 4.52% gross on its anniversary, the deal may appeal to savers looking for a competitive return over the next three years and happy to lock their money away for the duration. The monthly interest option may also entice those looking to supplement their income. Savers will need to invest at least £1,000, but the account does allow further additions within the first 14 days of account opening. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.52% gross / 4.52% AER, payable on its anniversary / monthly interest option of 4.43% gross / 4.52% AER also available
- Notice / term: Three years
- Minimum opening amount: £1,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening via a nominated account
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
United Trust Bank – Cash ISA 3 Year Bond
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“United Trust Bank has reduced the rate on its three-year fixed Cash ISA this week. Now paying 4.28%, the deal maintains a prominent position in its sector and may well entice savers looking to take advantage of their ISA allowance. Savers can invest from £5,000 and make transfers in from cash ISAs, plus they can access their cash early if they so wish, subject to an interest penalty. The deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.28% gross / 4.28% AER payable on its anniversary
- Notice / term: Three years
- Minimum opening amount: £5,000
- Maximum investment amount: ISA allowance
- Access: Permitted. Subject to 320-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 320-day loss of interest
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18.
Mortgages
HSBC – Two-year fixed rate mortgage, 85% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“HSBC has reduced rates across selected fixed deals this week, including its two-year fixed mortgage at 85% loan-to-value. Now priced at 4.69% and fixed to 28 February 2027, this deal carries a free valuation and £250 cashback incentive and charges a reasonable product fee of £999. Those borrowers looking to lock into a competitive rate for peace of mind may find this an attractive choice. Overall, this product earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.69% fixed rate to 28.2.27
- Product fee: £999
- Maximum loan-to-value: 85%
- Available to: House purchase customers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-let
Accord Mortgages – Three-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“This week, Accord Mortgages has reduced selected fixed deals in its range, including a three-year fixed rate 75% loan-to-value deal. Now priced at 4.94%, and available via selected intermediaries, borrowers searching for a competitive rate and incentive package may find this an appealing choice. The deal offers a free valuation and £250 cashback incentive, and borrowers can also add the £995 product fee to the advance of the mortgage. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.94% fixed rate until 31.3.28.
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: Second-time buyers and remortgage customers, via selected intermediaries
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Savings
Vida Savings – 1 Year Fixed Rate Bond
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“It’s exciting to see a new savings provider enter the market this week. The one-year fixed bond from Vida Savings is competitively priced at 4.77% and takes a place in the top rate tables. The deal may appeal to savers looking for a competitive return over the next year and happy to lock their money away for the duration. The monthly interest option may also entice those looking to supplement their income. Savers will need to invest at least £100, but the account does allow further additions within the first 21 days of account opening. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.77% gross / 4.77% AER, payable on its anniversary / monthly interest option of 4.67% gross / 4.77% AER also available
- Notice / term: One year
- Minimum opening amount: £100
- Maximum investment amount: £85,000
- Access: Not permitted
- Further additions: Permitted for 21 days from account opening
- Opening account: Online
- Managing account: Online and via mobile app
- Other information: Minimum applicant age 18. Joint account option available.
Hodge Bank – 3 Year Fixed Rate Bond
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Hodge Bank has increased the rate on its 3 Year Fixed Rate Bond this week, improving its place in the market. Now paying 4.52% gross on its anniversary, the deal may appeal to savers looking for a competitive return over the next three years and happy to lock their money away for the duration. The monthly interest option may also entice those looking to supplement their income. Savers will need to invest at least £1,000, but the account does allow further additions within the first 14 days of account opening. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.52% gross / 4.52% AER, payable on its anniversary / monthly interest option of 4.43% gross / 4.52% AER also available
- Notice / term: Three years
- Minimum opening amount: £1,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening via a nominated account
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
United Trust Bank – Cash ISA 3 Year Bond
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“United Trust Bank has reduced the rate on its three-year fixed Cash ISA this week. Now paying 4.28%, the deal maintains a prominent position in its sector and may well entice savers looking to take advantage of their ISA allowance. Savers can invest from £5,000 and make transfers in from cash ISAs, plus they can access their cash early if they so wish, subject to an interest penalty. The deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.28% gross / 4.28% AER payable on its anniversary
- Notice / term: Three years
- Minimum opening amount: £5,000
- Maximum investment amount: ISA allowance
- Access: Permitted. Subject to 320-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 320-day loss of interest
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18.
Mortgages
HSBC – Two-year fixed rate mortgage, 85% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“HSBC has reduced rates across selected fixed deals this week, including its two-year fixed mortgage at 85% loan-to-value. Now priced at 4.69% and fixed to 28 February 2027, this deal carries a free valuation and £250 cashback incentive and charges a reasonable product fee of £999. Those borrowers looking to lock into a competitive rate for peace of mind may find this an attractive choice. Overall, this product earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.69% fixed rate to 28.2.27
- Product fee: £999
- Maximum loan-to-value: 85%
- Available to: House purchase customers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-let
Accord Mortgages – Three-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“This week, Accord Mortgages has reduced selected fixed deals in its range, including a three-year fixed rate 75% loan-to-value deal. Now priced at 4.94%, and available via selected intermediaries, borrowers searching for a competitive rate and incentive package may find this an appealing choice. The deal offers a free valuation and £250 cashback incentive, and borrowers can also add the £995 product fee to the advance of the mortgage. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.94% fixed rate until 31.3.28.
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: Second-time buyers and remortgage customers, via selected intermediaries
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain.
