Savings
Loughborough Building Society – Holiday Monthly Saver
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Loughborough Building Society has launched its new Holiday Monthly Saver this week, which pays a competitive 5.60%. The account grabs a position in the top tables for its sector and may attract savers who are looking to save towards a specific goal, as this offer allows them to put away up to £250 per month. Contributions can be amended, which may be seen as a bonus for some. It would be wise for savers to consider withdrawals carefully, as earlier access is only permitted on account closure after one withdrawal per year. Overall, this receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.60% gross / 5.60% AER variable payable yearly
- Notice / term: 31.05.26
- Minimum opening amount: £1
- Maximum monthly investment amount: £250
- Maximum investment amount: £4,000
- Access: Permitted. Earlier access on closure only after one withdrawal per year
- Further additions: Permitted, providing monthly maximum is not exceeded
- Opening account: By post and in branch
- Managing account: By post and in branch
- Other information: Minimum applicant age 16. Joint account option available. Reverts into Regular Saver – Issue 1 when a monthly payment is missed.
Chip – Chip Cash ISA (powered by ClearBank)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Chip has increased the rate on its Chip Cash ISA (powered by ClearBank) this week to a market-leading 5.15% AER, which includes a 0.54% gross bonus for the first six months providing a promotional code is entered within 14 days of installing the Chip app. The account can be opened with as little as £1, both instant access and further additions are permitted. Savers should be aware that they need to hold a Chip subscription (for which both free and paid options are available). The deal secures a prominent position in our top tables and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.03% gross / 5.15% AER payable monthly (including a 0.54% gross bonus for six months if promo code is entered within 14 days of having the Chip app)
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted
- Further additions: Permitted
- Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
- Transfers out: Permitted
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18. Operated by ClearBank. Investors have the choice between holding a fee-free Chip subscription or paying a £4.99 fee per 28-days subscription. Flexible ISA rules apply.
Coventry Building Society – 4 Access Saver
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Coventry Building Society has launched a new 4 Access Saver this week. The account takes a joint market-leading position when compared against its peers. Paying 4.85% on its anniversary, savers who are open to limiting their access to their cash may find this an enticing deal, furthermore, those looking for an income boost will find that there is also a monthly interest option available. It is crucial savers consider any withdrawals carefully as only four are permitted penalty-free and any extra will result in 50 days’ loss of interest. On assessment, this deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.85% gross / 4.85% AER payable on anniversary / monthly interest option of 4.75% gross / 4.85% AER also available
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: £250,000
- Access: Permitted. Up to four penalty-free withdrawals per year, further withdrawals subject to 50-day loss of interest
- Further additions: Permitted
- Opening account: Online, by phone, by post and in branch
- Managing account: Online, by phone, by post, in branch and via its mobile app
- Other information: Minimum applicant age 16. Joint account option available. Branch operation only available with passbook version.
Hampshire Trust Bank – 1 Year Online ISA Fixed Saver (Issue 37)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Hampshire Trust Bank has launched a new 1 Year Online ISA Fixed Saver. The deal grabs a competitive position in the market when compared against other ISAs of the same term and now pays 4.41% on as little as £1. Savers looking to utilise their ISA allowance may find this an enticing deal. Earlier access is permitted subject to 90 days’ loss of interest. Overall, this deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.41% gross / 4.41% AER payable on anniversary
- Notice / term: One year
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted. Subject to 90 days’ loss of interest
- Further additions: Permitted for 14 days from account opening via a nominated account
- Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
- Transfers out: Permitted. Subject to 90 days’ loss of interest
- Opening account: Online
- Managing account: Online and by phone
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Hampshire Trust Bank’s range.
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:
“Remortgage customers seeking a competitive mortgage rate with a low upfront cost may find this latest fixed rate deal from Yorkshire Building Society an attractive choice. The two-year fixed rate mortgage for borrowers with 25% equity may find the 0.11% rate cut appealing, now charging 4.39% until 31 May 2027. The deal offers an enticing incentive package which includes a free valuation and free legal fees. There is a £995 product fee attached which borrowers have the option of adding to the advance of the mortgage. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.39% fixed rate to 31.5.27
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: Remortgage customers
- Incentives: Free valuation and free legal fees
- Flexible features: Allows overpayments. Underpayments and payment holidays considered, not to exceed level of overpayments previously made
- Lending area: Great Britain and Northern Ireland.
Halifax – Five-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Halifax has reduced almost all of its fixed rates in its residential range, including the five-year fixed deal at 80% loan-to-value for remortgage customers. The deal has seen a 0.25% cut and now charges an attractive 4.48% until 31 May 2030, and may appeal to borrowers looking to save on upfront costs as there is a reasonable fee of £999 and carries both a free valuation and free legal fees incentive. Borrowers can also receive a ‘Green Home’ £250 cashback incentive; however, it must be noted that this is for qualifying properties only. The deal also offers a range of flexible options, including overpayments, and payment holidays which are considered after one year and subject to approval. On assessment, this deal receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.48% fixed rate to 31.5.30
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: Remortgage customers
- Incentives: Free valuation and free legal fees. ‘Green Home’ £250 cashback for qualifying properties only
- Flexible features: Allows overpayments. Payment holidays considered, after one year, and subject to approval
- Lending area: Great Britain and Northern Ireland.
HSBC – Two-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“HSBC has reduced several rates across its residential mortgage range by up to 0.20% this week, including its two-year fixed mortgage at 95% loan-to-value. Now priced at 5.59% and fixed to 31 May 2027, this deal carries an attractive incentive package including a free valuation for all, plus £500 cashback for first-time buyers and £250 cashback for second-time buyers, making it an ideal option for borrowers wishing to keep costs low. Overall, this product earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.59% fixed rate to 31.5.27
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation and £500 cashback for first-time buyers and £250 cashback for second-time buyers
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let
Coventry Building Society – Two-year fixed rate mortgage, 65% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Coventry Building Society has extended end dates alongside reducing its buy-to-let fixed rate offerings by up to 0.20%. The two-year option at 65% loan-to-value for second-time buyers is one of those deals to see this cut and is now priced at 4.54% until 31 August 2027. Landlords will note that the deal carries a larger arrangement fee of £1,999. This may at first be disheartening, but it is offset by a free valuation incentive, and the ability to make overpayments, which could add to its appeal. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.54% fixed rate to 31.8.27
- Product fee: £1,999
- Maximum loan-to-value: 65%
- Available to: Second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Savings
Loughborough Building Society – Holiday Monthly Saver
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Loughborough Building Society has launched its new Holiday Monthly Saver this week, which pays a competitive 5.60%. The account grabs a position in the top tables for its sector and may attract savers who are looking to save towards a specific goal, as this offer allows them to put away up to £250 per month. Contributions can be amended, which may be seen as a bonus for some. It would be wise for savers to consider withdrawals carefully, as earlier access is only permitted on account closure after one withdrawal per year. Overall, this receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.60% gross / 5.60% AER variable payable yearly
- Notice / term: 31.05.26
- Minimum opening amount: £1
- Maximum monthly investment amount: £250
- Maximum investment amount: £4,000
- Access: Permitted. Earlier access on closure only after one withdrawal per year
- Further additions: Permitted, providing monthly maximum is not exceeded
- Opening account: By post and in branch
- Managing account: By post and in branch
- Other information: Minimum applicant age 16. Joint account option available. Reverts into Regular Saver – Issue 1 when a monthly payment is missed.
Chip – Chip Cash ISA (powered by ClearBank)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Chip has increased the rate on its Chip Cash ISA (powered by ClearBank) this week to a market-leading 5.15% AER, which includes a 0.54% gross bonus for the first six months providing a promotional code is entered within 14 days of installing the Chip app. The account can be opened with as little as £1, both instant access and further additions are permitted. Savers should be aware that they need to hold a Chip subscription (for which both free and paid options are available). The deal secures a prominent position in our top tables and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.03% gross / 5.15% AER payable monthly (including a 0.54% gross bonus for six months if promo code is entered within 14 days of having the Chip app)
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted
- Further additions: Permitted
- Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
- Transfers out: Permitted
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18. Operated by ClearBank. Investors have the choice between holding a fee-free Chip subscription or paying a £4.99 fee per 28-days subscription. Flexible ISA rules apply.
Coventry Building Society – 4 Access Saver
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Coventry Building Society has launched a new 4 Access Saver this week. The account takes a joint market-leading position when compared against its peers. Paying 4.85% on its anniversary, savers who are open to limiting their access to their cash may find this an enticing deal, furthermore, those looking for an income boost will find that there is also a monthly interest option available. It is crucial savers consider any withdrawals carefully as only four are permitted penalty-free and any extra will result in 50 days’ loss of interest. On assessment, this deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.85% gross / 4.85% AER payable on anniversary / monthly interest option of 4.75% gross / 4.85% AER also available
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: £250,000
- Access: Permitted. Up to four penalty-free withdrawals per year, further withdrawals subject to 50-day loss of interest
- Further additions: Permitted
- Opening account: Online, by phone, by post and in branch
- Managing account: Online, by phone, by post, in branch and via its mobile app
- Other information: Minimum applicant age 16. Joint account option available. Branch operation only available with passbook version.
Hampshire Trust Bank – 1 Year Online ISA Fixed Saver (Issue 37)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Hampshire Trust Bank has launched a new 1 Year Online ISA Fixed Saver. The deal grabs a competitive position in the market when compared against other ISAs of the same term and now pays 4.41% on as little as £1. Savers looking to utilise their ISA allowance may find this an enticing deal. Earlier access is permitted subject to 90 days’ loss of interest. Overall, this deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.41% gross / 4.41% AER payable on anniversary
- Notice / term: One year
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted. Subject to 90 days’ loss of interest
- Further additions: Permitted for 14 days from account opening via a nominated account
- Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
- Transfers out: Permitted. Subject to 90 days’ loss of interest
- Opening account: Online
- Managing account: Online and by phone
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Hampshire Trust Bank’s range.
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:
“Remortgage customers seeking a competitive mortgage rate with a low upfront cost may find this latest fixed rate deal from Yorkshire Building Society an attractive choice. The two-year fixed rate mortgage for borrowers with 25% equity may find the 0.11% rate cut appealing, now charging 4.39% until 31 May 2027. The deal offers an enticing incentive package which includes a free valuation and free legal fees. There is a £995 product fee attached which borrowers have the option of adding to the advance of the mortgage. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.39% fixed rate to 31.5.27
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: Remortgage customers
- Incentives: Free valuation and free legal fees
- Flexible features: Allows overpayments. Underpayments and payment holidays considered, not to exceed level of overpayments previously made
- Lending area: Great Britain and Northern Ireland.
Halifax – Five-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Halifax has reduced almost all of its fixed rates in its residential range, including the five-year fixed deal at 80% loan-to-value for remortgage customers. The deal has seen a 0.25% cut and now charges an attractive 4.48% until 31 May 2030, and may appeal to borrowers looking to save on upfront costs as there is a reasonable fee of £999 and carries both a free valuation and free legal fees incentive. Borrowers can also receive a ‘Green Home’ £250 cashback incentive; however, it must be noted that this is for qualifying properties only. The deal also offers a range of flexible options, including overpayments, and payment holidays which are considered after one year and subject to approval. On assessment, this deal receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.48% fixed rate to 31.5.30
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: Remortgage customers
- Incentives: Free valuation and free legal fees. ‘Green Home’ £250 cashback for qualifying properties only
- Flexible features: Allows overpayments. Payment holidays considered, after one year, and subject to approval
- Lending area: Great Britain and Northern Ireland.
HSBC – Two-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“HSBC has reduced several rates across its residential mortgage range by up to 0.20% this week, including its two-year fixed mortgage at 95% loan-to-value. Now priced at 5.59% and fixed to 31 May 2027, this deal carries an attractive incentive package including a free valuation for all, plus £500 cashback for first-time buyers and £250 cashback for second-time buyers, making it an ideal option for borrowers wishing to keep costs low. Overall, this product earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.59% fixed rate to 31.5.27
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation and £500 cashback for first-time buyers and £250 cashback for second-time buyers
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let
Coventry Building Society – Two-year fixed rate mortgage, 65% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Coventry Building Society has extended end dates alongside reducing its buy-to-let fixed rate offerings by up to 0.20%. The two-year option at 65% loan-to-value for second-time buyers is one of those deals to see this cut and is now priced at 4.54% until 31 August 2027. Landlords will note that the deal carries a larger arrangement fee of £1,999. This may at first be disheartening, but it is offset by a free valuation incentive, and the ability to make overpayments, which could add to its appeal. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.54% fixed rate to 31.8.27
- Product fee: £1,999
- Maximum loan-to-value: 65%
- Available to: Second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
