Savings
Moneybox – Moneybox Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Moneybox has increased the rate on its Moneybox Cash ISA. The deal takes the market-leading position when compared against its peers. It now pays an attractive 5.25%, which includes a bonus of 1.05% for the first three months, so it is important savers review after this period. Savers looking for flexibility and instant access to their tax-free savings may find this an enticing option. Withdrawals are permitted; however, they should be considered carefully as a lower rate of 0.75% is paid if four or more withdrawals are made in a 12-month period. In more positive news further additions are permitted at any time into the account. On assessment, this deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.25% gross / 5.25% AER payable on anniversary (includes a 1.05% bonus for three months)
- Notice / term: None
- Minimum opening amount: £500
- Maximum investment amount: ISA allowance
- Access: Permitted. Lower rate of 0.75% gross/AER paid if more than three withdrawals made per 12-month period
- Further additions: Permitted
- Transfers in: Permitted. Accepts Cash, Stocks and Shares, Help to Buy and Innovative Finance ISAs
- Transfers out: Permitted
- Opening account: Online and via mobile app
- Managing account: Online and via mobile app
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Moneybox’s range.
Oxbury Bank – 90 Day Notice Base Rate Tracker (Issue 8)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Oxbury Bank has increased the rate on its 90 Day Notice Base Rate Tracker. Paying 4.80% AER, it takes the market-leading position in both the notice and monthly interest sectors. The account comes with an AER rate guarantee to pay 0.30% above Bank Base Rate. This account may well appeal to those who don’t mind giving prior notice to access their funds and have at least £1,000 to invest. Savers must note that their initial deposit must be made within the first 90 days of account opening or the account will close automatically. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.70% gross / 4.80% AER payable monthly
- Notice / term: 90 days
- Minimum opening amount: £1,000
- Maximum investment amount: £500,000
- Access: Permitted, subject to 90 days’ notice via nominated account
- Further additions: Permitted via a nominated account
- Opening account: Online
- Managing account: Online and via its mobile app
- Other information: Minimum applicant age 18. Oxbury App required to use online banking. Initial deposit must be made within 90 days of account opening, or account will automatically close.
Cynergy Bank – 1 Year Fixed Rate Bond
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Cynergy Bank has increased the rates on a selection of its Fixed Rate and Loyalty Fixed Rate Cash ISAs and Fixed Rate Bonds. The one-year fixed rate option pays a joint market-leading rate of 4.60% when compared against its peers. A minimum deposit of £1,000 is needed to open the account, and this may be an enticing option for investors who are happy to lock their cash away over the next 12 months to receive a guaranteed return. As is common with fixed bonds, earlier access is not permitted, but investors are able to make further additions for 14 days from the account opening, which may be a bonus. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.60% gross / 4.60% AER payable on maturity
- Notice / term: One year
- Minimum opening amount: £1,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18. Joint account option available. Cynergy Bank Authenticator App or Digipass required to use online banking.
Shawbrook Bank – 1 Year Fixed Rate Cash ISA Bond Issue 116
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Shawbrook Bank has changed the issue number and increased the rate on its 1 Year Fixed Rate Cash ISA Bond. The account pays 4.50% on maturity, taking the market-leading position for its sector. Unlike some of its peers, this deal also offers a monthly interest option, which pays 4.41% gross. This account may be an attractive option for savers wishing to lock into a guaranteed rate for the shorter term and maximise their ISA allowance. However, savers should note that although earlier access is permitted, they will be met with a 90-day loss of interest penalty. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.50% gross / 4.50% AER payable on maturity / monthly interest option of 4.41% gross / 4.50% 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. External transfers in must be made at the same time as initial account application.
- 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.
Hodge Bank – 5 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 a selection of its Fixed Rate Cash ISAs, including its five-year option. The account takes a prominent position in the fixed cash ISA market for its term, paying 4.31% on its anniversary. This may be an attractive option for savers wishing to utilise their full ISA allowance in the long-term and receive a guaranteed return. There is also a monthly interest option available. Investors should note that earlier access is subject to 365 days’ loss of interest so any withdrawals should be considered carefully. 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: 4.31% gross / 4.31% AER payable on anniversary / monthly interest option of 4.23% gross / 4.31% AER also available
- Notice / term: Five years
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 365-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 365-day loss of interest penalty
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
Mortgages
Furness Building Society – Two-year discounted-variable rate mortgage, 90% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from Furness Building Society sees it launch a new two-year discounted variable rate deal. Available at 90% loan-to-value, it charges a competitive 4.95%, with a discount of 3.44%. Borrowers wishing to save on the upfront cost of their mortgage may find this an enticing deal as it charges a reasonable £999 product fee. Adding to its appeal is an attractive incentive package which includes a free valuation and £250 cashback for all borrowers. Overall, this deal secures an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.95% discounted-variable rate (3.44% discount) for two years
- Product fee: £999
- Maximum loan-to-value: 90%
- Available to: All borrowers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Buy-to-let
Accord Mortgages – Two-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Accord Mortgages has made several changes to its buy-to-let products, including rate, fee and cashback amendments. The two-year fixed rate at 60% loan-to-value deal has seen an 0.10% cut and now charges 4.49% via selected intermediaries until 30 June 2027 for borrowers with 40% equity. Borrowers searching for a competitive rate and incentive package may find this an appealing choice as 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: 4.49% fixed rate until 30.6.27
- Product fee: £995
- Maximum loan-to-value: 60%
- 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
Moneybox – Moneybox Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Moneybox has increased the rate on its Moneybox Cash ISA. The deal takes the market-leading position when compared against its peers. It now pays an attractive 5.25%, which includes a bonus of 1.05% for the first three months, so it is important savers review after this period. Savers looking for flexibility and instant access to their tax-free savings may find this an enticing option. Withdrawals are permitted; however, they should be considered carefully as a lower rate of 0.75% is paid if four or more withdrawals are made in a 12-month period. In more positive news further additions are permitted at any time into the account. On assessment, this deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 5.25% gross / 5.25% AER payable on anniversary (includes a 1.05% bonus for three months)
- Notice / term: None
- Minimum opening amount: £500
- Maximum investment amount: ISA allowance
- Access: Permitted. Lower rate of 0.75% gross/AER paid if more than three withdrawals made per 12-month period
- Further additions: Permitted
- Transfers in: Permitted. Accepts Cash, Stocks and Shares, Help to Buy and Innovative Finance ISAs
- Transfers out: Permitted
- Opening account: Online and via mobile app
- Managing account: Online and via mobile app
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Moneybox’s range.
Oxbury Bank – 90 Day Notice Base Rate Tracker (Issue 8)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Oxbury Bank has increased the rate on its 90 Day Notice Base Rate Tracker. Paying 4.80% AER, it takes the market-leading position in both the notice and monthly interest sectors. The account comes with an AER rate guarantee to pay 0.30% above Bank Base Rate. This account may well appeal to those who don’t mind giving prior notice to access their funds and have at least £1,000 to invest. Savers must note that their initial deposit must be made within the first 90 days of account opening or the account will close automatically. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.70% gross / 4.80% AER payable monthly
- Notice / term: 90 days
- Minimum opening amount: £1,000
- Maximum investment amount: £500,000
- Access: Permitted, subject to 90 days’ notice via nominated account
- Further additions: Permitted via a nominated account
- Opening account: Online
- Managing account: Online and via its mobile app
- Other information: Minimum applicant age 18. Oxbury App required to use online banking. Initial deposit must be made within 90 days of account opening, or account will automatically close.
Cynergy Bank – 1 Year Fixed Rate Bond
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Cynergy Bank has increased the rates on a selection of its Fixed Rate and Loyalty Fixed Rate Cash ISAs and Fixed Rate Bonds. The one-year fixed rate option pays a joint market-leading rate of 4.60% when compared against its peers. A minimum deposit of £1,000 is needed to open the account, and this may be an enticing option for investors who are happy to lock their cash away over the next 12 months to receive a guaranteed return. As is common with fixed bonds, earlier access is not permitted, but investors are able to make further additions for 14 days from the account opening, which may be a bonus. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.60% gross / 4.60% AER payable on maturity
- Notice / term: One year
- Minimum opening amount: £1,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18. Joint account option available. Cynergy Bank Authenticator App or Digipass required to use online banking.
Shawbrook Bank – 1 Year Fixed Rate Cash ISA Bond Issue 116
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Shawbrook Bank has changed the issue number and increased the rate on its 1 Year Fixed Rate Cash ISA Bond. The account pays 4.50% on maturity, taking the market-leading position for its sector. Unlike some of its peers, this deal also offers a monthly interest option, which pays 4.41% gross. This account may be an attractive option for savers wishing to lock into a guaranteed rate for the shorter term and maximise their ISA allowance. However, savers should note that although earlier access is permitted, they will be met with a 90-day loss of interest penalty. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.50% gross / 4.50% AER payable on maturity / monthly interest option of 4.41% gross / 4.50% 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. External transfers in must be made at the same time as initial account application.
- 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.
Hodge Bank – 5 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 a selection of its Fixed Rate Cash ISAs, including its five-year option. The account takes a prominent position in the fixed cash ISA market for its term, paying 4.31% on its anniversary. This may be an attractive option for savers wishing to utilise their full ISA allowance in the long-term and receive a guaranteed return. There is also a monthly interest option available. Investors should note that earlier access is subject to 365 days’ loss of interest so any withdrawals should be considered carefully. 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: 4.31% gross / 4.31% AER payable on anniversary / monthly interest option of 4.23% gross / 4.31% AER also available
- Notice / term: Five years
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 365-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 365-day loss of interest penalty
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
Mortgages
Furness Building Society – Two-year discounted-variable rate mortgage, 90% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from Furness Building Society sees it launch a new two-year discounted variable rate deal. Available at 90% loan-to-value, it charges a competitive 4.95%, with a discount of 3.44%. Borrowers wishing to save on the upfront cost of their mortgage may find this an enticing deal as it charges a reasonable £999 product fee. Adding to its appeal is an attractive incentive package which includes a free valuation and £250 cashback for all borrowers. Overall, this deal secures an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.95% discounted-variable rate (3.44% discount) for two years
- Product fee: £999
- Maximum loan-to-value: 90%
- Available to: All borrowers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Buy-to-let
Accord Mortgages – Two-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Accord Mortgages has made several changes to its buy-to-let products, including rate, fee and cashback amendments. The two-year fixed rate at 60% loan-to-value deal has seen an 0.10% cut and now charges 4.49% via selected intermediaries until 30 June 2027 for borrowers with 40% equity. Borrowers searching for a competitive rate and incentive package may find this an appealing choice as 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: 4.49% fixed rate until 30.6.27
- Product fee: £995
- Maximum loan-to-value: 60%
- 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.
