Savings

West Brom Building Society – Double Access ISA (Issue 1)

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

“The latest update from West Brom Building Society sees a re-launch of its Double Access ISA, which continues to pay 5.00% yearly. The account takes a competitive place in its sector and may be an appealing option for savers who wish to utilise their ISA allowance. Additionally, the deal may appeal to savers looking to boost their income as there is a monthly interest option available. However, it is crucial that any withdrawals are considered carefully as a lower rate is paid if more than two are made per year. Overall, the deal earns an Excellent Moneyfacts product rating.”

Key product details:

• Rate: 5.00% gross / 5.00% AER payable yearly / monthly interest option of 4.89% gross / 5.00% AER also available
• Notice / term: 31.08.25
• Minimum opening amount: £1
• Maximum investment amount: ISA allowance
• Access: Permitted, lower rate of 2.70% gross / AER yearly or 2.67% gross / 2.70% AER paid if more than two withdrawals per year
• Further additions: Permitted
• Transfers in: Permitted. Accepts Cash or Stocks and Shares ISAs
• Transfers out: Permitted, lower rate of 2.70% gross / AER yearly or 2.67% gross / 2.70% AER paid if more than two withdrawals per year
• Opening account: Online
• Managing account: Online
• Other information: Minimum applicant age 16.

Mortgages

Yorkshire Building Society – Two-year fixed rate mortgage, 75% loan-to-value

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

“Yorkshire Building Society has reduced rates across a majority of its fixed rate deals in its range this week. Seeing a reduction of 0.25% is its two-year fixed mortgage at 75% loan-to-value for house purchase customers, priced at an attractive 4.89% until 31 October 2026. The deal comes with a smaller than usual fee of £495 and hosts an enticing incentive package which includes a free valuation and £250 cashback, making this an ideal option for borrowers looking to save on the upfront cost of their mortgage. Borrowers may also be glad to note that there is a range of flexible options available subject to conditions. On assessment, this product earns an Outstanding Moneyfacts product rating.”

Key product details:

• Rate: 4.89% fixed rate to 31.10.26
• Product fee: £495
• Maximum loan-to-value: 75%
• Available to: House purchase customers
• Incentives: Free valuation and £250 cashback
• Flexible features: Allows overpayments. Underpayments and payment holidays considered, not to exceed level of overpayments previously made
• Lending area: Great Britain and Northern Ireland.

Buy-to-Let

Principality Building Society – Five-year fixed rate mortgage, 60% loan-to-value

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

“This week Principality Building Society has made reductions to selected fixed rate deals for landlords, including its five-year offering at 60% loan-to-value which has seen a 0.12% cut and is now priced at 4.42% until 31.10.29. The deal comes with an appealing incentive package which includes a free valuation, however, there is a £1,395 product fee which may need to be considered. Overall, this deal earns an Outstanding Moneyfacts product rating.”

Key product details:

• Rate: 4.42% fixed rate to 31.10.29
• Product fee: £1,395
• Maximum loan-to-value: 60%
• Available to: Second-time buyers and remortgage customers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: England and Wales.

Santander – Five-year fixed rate mortgage, 75% loan-to-value

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

“Alongside extending end dates, Santander has launched and reduced a selection of fixed-rate deals. One deal to see a small cut of 0.07% is the five-year fixed rate deal, which is now priced at 4.54% and may appeal to landlords looking to secure a competitive rate. Available to second-time buyers, they will receive a free valuation incentive, but the deal does come with a large product fee of £1,749 that can be added to the mortgage advance, which could be ideal for those looking to save on the upfront cost of their mortgage. Overall, this product earns an Outstanding Moneyfacts product rating.”

Key product details:

• Rate: 4.54% fixed rate to 2.12.29
• Product fee: £1,749
• Maximum loan-to-value: 75%
• Available to: Second-time buyers
• Incentives: Free valuation (limits vary depending on lending area)
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

TSB – Two-year fixed rate mortgage, 60% loan-to-value

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

“TSB has reduced selected fixed rates for house purchase borrowers by up to 0.15% this week. The two-year deal at 60% loan-to-value has seen a cut of 0.10% and is now priced at a competitive 4.69% until 31 October 2026. Landlords may wish to note that the deal comes with a £1,995 fee attached, however, it also has a free valuation incentive which may offset some of the cost. Overall, the deal earns an Outstanding Moneyfacts product rating.”

Key product details:

• Rate: 4.69% fixed rate to 31.10.26
• Product fee: £1,995
• Maximum loan-to-value: 60%
• Available to: Second-time buyers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain.