Savings
West Brom Building Society – Four Access Saver (Issue 2)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“West Brom Building Society has increased the rates on its Four Access Saver when up to four withdrawals are made per year. The account takes a competitive position when compared against its peers and pays an attractive 4.65% gross/AER yearly. The account can be opened with as little as £1, but savers should keep in mind that if they make five or more withdrawals the rate drops significantly to 2.15% gross/AER yearly. Savers will find there is a monthly interest option available which may be suitable for those looking to boost their income. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.65% gross / 4.65% AER payable yearly / monthly interest option of 4.55% gross / 4.65% AER also available
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: £1 million
- Access: Permitted, lower rate of 2.15% gross/AER yearly or 2.13% gross / 2.15% AER monthly paid for the remainder of the year if more than four withdrawals are made
- Further additions: Permitted
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 16. Joint account option available. Matures on 31.5.26 into a Limited Access Saver account.
Oxbury Bank – Personal 2 Year Bond Account (Issue 28)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Oxbury Bank has launched a new range of Personal Bond Accounts. The two-year option takes a competitive position in the market when compared against its peers, paying 4.40% on its anniversary. Savers with at least £1,000 to deposit may find this an enticing deal as they can receive guaranteed returns for the next two years. Savers should be aware that earlier access is not permitted but further additions are permitted for 14 days via a nominated account. They should also be mindful that the initial deposit is funded within 14 days of the account opening, otherwise it will automatically close. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.40% gross / 4.40% AER paid on anniversary
- Notice / term: Two years
- Minimum opening amount: £1,000
- Maximum investment amount: £500,000
- Access: Not permitted
- Further additions: Permitted, for 14 days from the account opening via nominated account
- Opening account: Online
- Managing account: Online and via its mobile app
- Other information: Minimum applicant age 18. Initial deposit must be made within 14 days of account opening, or account will automatically close.
Hinckley & Rugby Building Society – 5 Year Fixed Rate Cash ISA - Issue 12
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Hinckley & Rugby Building Society has launched a new range of Fixed Rate Cash ISAs and Fixed Rate Bonds. The 5 Year Fixed Rate Cash ISA has fared best. The account pays a competitive 4.11% yearly and may be a suitable option for savers looking to take advantage of their tax-free savings in the long-term and receive a guaranteed return. Although earlier access is permitted, savers should be cautious over making any withdrawals as they will be subject to a 365-day loss of interest penalty. It is also important savers are happy with their initial investment as further additions are not permitted. In more positive news, this account does allow transfers in from other Cash ISAs, but this must be completed within 21 days of the account opening. On assessment, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.11% gross / 4.11% AER payable yearly
- Notice / term: Five years
- Minimum opening amount: £500
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 365-day loss of interest penalty
- Further additions: Not permitted
- Transfers in: Permitted. Accepts Cash ISAs. Must be transferred in full within 21 days of account opening.
- Transfers out: Permitted, subject to 365-day loss of interest penalty
- Opening account: By post and in branch
- Managing account: By post and in branch
- Other information: Minimum applicant age 18.
Mortgages
Halifax – Two-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Halifax has made reductions of up to 0.18% across many of its fixed rate mortgages. One deal to see this cut is the two-year fixed deal for remortgage customers with 40% equity. The deal is now priced at 3.87% until 31 August 2027, becoming the leading rate within the remortgage sector. There is a reasonable £999 product fee which can be added to the advance, and this is also offset by its enticing incentive package which includes a free valuation and free legal fees, for qualifying Green’ properties they could also receive £250 cashback. On assessment, this deal receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.87% fixed rate to 31.8.27
- Product fee: £999
- Maximum loan-to-value: 60%
- 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.
Principality Building Society – Three-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Alongside extending end dates, Principality Building Society has reduced most of its fixed rate offerings by up to 0.30%. Seeing a slightly smaller 0.17% cut to 4.58% is the three-year fixed rate mortgage at 80% loan-to-value. The deal is now equal to the market-leader within its sector and adding to its appeal there is no payable fee, which may make this an ideal option for borrowers looking to save on upfront costs. Adding to its appeal, the deal has an attractive incentive package which includes a free valuation for all borrowers, but remortgage customers will also receive free legal fees. Overall, this deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.58% fixed rate to 31.08.28
- Product fee: None
- Maximum loan-to-value: 80%
- Available to: All borrowers
- Incentives: Free valuation for all borrowers. Free legal fees for remortgage customers
- Flexible features: Allows overpayments
- Lending area: England and Wales.
TSB – Two-year fixed rate mortgage, 90% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“In its latest update, TSB has reduced selected two-year fixed rates within its residential range by up to 0.20% this week. Its 90% loan-to-value offering for second-time buyers has seen a smaller 0.10% cut and is now priced at 4.84%. This deal may be an attractive option for borrowers looking to keep costs low as it does not have any product fees, and it also comes with a lucrative incentive package which includes a free valuation and £500 cashback. Adding to its appeal, borrowers can make overpayments and take payment holidays after one year and subject to approval. Overall, the deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.84% fixed rate to 30.06.27
- Product fee: None
- Maximum loan-to-value: 90%
- Available to: Second-time buyers
- Incentives: Free valuation and £500 cashback
- Flexible features: Allows overpayments. Also payment holidays after one year, which are subject to approval
- Lending area: Great Britain.
Cards
Barclaycard – Barclaycard Platinum 33 Month Balance Transfer Visa
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from Barclaycard sees an increase to the introductory 0% balance transfer term to 33 months on its Platinum 32 Month Balance Transfer Visa Card, which is now the Platinum 33 Month Balance Transfer Visa Card. The introductory fee has also increased to 3.45%. Despite this, the card takes the market-leading position for its sector and is one of the best options available for customers looking to transfer debt for a longer period. Working in the deal’s favour, the card also offers 0% on purchases for three months, which may help borrowers with any unexpected costs. However, it is worth noting that transfers must be made within the first 60 days. Furthermore, borrowers can expect to receive a range of lifestyle perks, including exclusive presale tickets on selected festivals with 10% off ticket prices and up to 15% cashback from selected retailers with Barclaycard Cashback Rewards. On assessment, the card earns an Outstanding Moneyfacts product rating.”
Key product details:
- Introductory rate for purchases: 0% for three months
- Introductory rate for balance transfers: 0% for 33 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 3.45% as an introductory charge during the first two months from account opening. Standard fee quoted on application. Balance must be transferred within 60 days
- Card fee: None
- Opening method: Online, by phone and in branch
- Card management: Online, by phone, by post, in branch and via its mobile app
- Other information: Minimum age 21. Minimum income £20,000. Buy tickets for up to 3,500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Save 10% on food and drink at all UK 02 Academy venues. Earn up to 15% cashback on selected retailers with Barclaycard Cashback Rewards.
Savings
West Brom Building Society – Four Access Saver (Issue 2)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“West Brom Building Society has increased the rates on its Four Access Saver when up to four withdrawals are made per year. The account takes a competitive position when compared against its peers and pays an attractive 4.65% gross/AER yearly. The account can be opened with as little as £1, but savers should keep in mind that if they make five or more withdrawals the rate drops significantly to 2.15% gross/AER yearly. Savers will find there is a monthly interest option available which may be suitable for those looking to boost their income. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.65% gross / 4.65% AER payable yearly / monthly interest option of 4.55% gross / 4.65% AER also available
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: £1 million
- Access: Permitted, lower rate of 2.15% gross/AER yearly or 2.13% gross / 2.15% AER monthly paid for the remainder of the year if more than four withdrawals are made
- Further additions: Permitted
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 16. Joint account option available. Matures on 31.5.26 into a Limited Access Saver account.
Oxbury Bank – Personal 2 Year Bond Account (Issue 28)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Oxbury Bank has launched a new range of Personal Bond Accounts. The two-year option takes a competitive position in the market when compared against its peers, paying 4.40% on its anniversary. Savers with at least £1,000 to deposit may find this an enticing deal as they can receive guaranteed returns for the next two years. Savers should be aware that earlier access is not permitted but further additions are permitted for 14 days via a nominated account. They should also be mindful that the initial deposit is funded within 14 days of the account opening, otherwise it will automatically close. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.40% gross / 4.40% AER paid on anniversary
- Notice / term: Two years
- Minimum opening amount: £1,000
- Maximum investment amount: £500,000
- Access: Not permitted
- Further additions: Permitted, for 14 days from the account opening via nominated account
- Opening account: Online
- Managing account: Online and via its mobile app
- Other information: Minimum applicant age 18. Initial deposit must be made within 14 days of account opening, or account will automatically close.
Hinckley & Rugby Building Society – 5 Year Fixed Rate Cash ISA - Issue 12
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Hinckley & Rugby Building Society has launched a new range of Fixed Rate Cash ISAs and Fixed Rate Bonds. The 5 Year Fixed Rate Cash ISA has fared best. The account pays a competitive 4.11% yearly and may be a suitable option for savers looking to take advantage of their tax-free savings in the long-term and receive a guaranteed return. Although earlier access is permitted, savers should be cautious over making any withdrawals as they will be subject to a 365-day loss of interest penalty. It is also important savers are happy with their initial investment as further additions are not permitted. In more positive news, this account does allow transfers in from other Cash ISAs, but this must be completed within 21 days of the account opening. On assessment, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.11% gross / 4.11% AER payable yearly
- Notice / term: Five years
- Minimum opening amount: £500
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 365-day loss of interest penalty
- Further additions: Not permitted
- Transfers in: Permitted. Accepts Cash ISAs. Must be transferred in full within 21 days of account opening.
- Transfers out: Permitted, subject to 365-day loss of interest penalty
- Opening account: By post and in branch
- Managing account: By post and in branch
- Other information: Minimum applicant age 18.
Mortgages
Halifax – Two-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Halifax has made reductions of up to 0.18% across many of its fixed rate mortgages. One deal to see this cut is the two-year fixed deal for remortgage customers with 40% equity. The deal is now priced at 3.87% until 31 August 2027, becoming the leading rate within the remortgage sector. There is a reasonable £999 product fee which can be added to the advance, and this is also offset by its enticing incentive package which includes a free valuation and free legal fees, for qualifying Green’ properties they could also receive £250 cashback. On assessment, this deal receives an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.87% fixed rate to 31.8.27
- Product fee: £999
- Maximum loan-to-value: 60%
- 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.
Principality Building Society – Three-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Alongside extending end dates, Principality Building Society has reduced most of its fixed rate offerings by up to 0.30%. Seeing a slightly smaller 0.17% cut to 4.58% is the three-year fixed rate mortgage at 80% loan-to-value. The deal is now equal to the market-leader within its sector and adding to its appeal there is no payable fee, which may make this an ideal option for borrowers looking to save on upfront costs. Adding to its appeal, the deal has an attractive incentive package which includes a free valuation for all borrowers, but remortgage customers will also receive free legal fees. Overall, this deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.58% fixed rate to 31.08.28
- Product fee: None
- Maximum loan-to-value: 80%
- Available to: All borrowers
- Incentives: Free valuation for all borrowers. Free legal fees for remortgage customers
- Flexible features: Allows overpayments
- Lending area: England and Wales.
TSB – Two-year fixed rate mortgage, 90% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“In its latest update, TSB has reduced selected two-year fixed rates within its residential range by up to 0.20% this week. Its 90% loan-to-value offering for second-time buyers has seen a smaller 0.10% cut and is now priced at 4.84%. This deal may be an attractive option for borrowers looking to keep costs low as it does not have any product fees, and it also comes with a lucrative incentive package which includes a free valuation and £500 cashback. Adding to its appeal, borrowers can make overpayments and take payment holidays after one year and subject to approval. Overall, the deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.84% fixed rate to 30.06.27
- Product fee: None
- Maximum loan-to-value: 90%
- Available to: Second-time buyers
- Incentives: Free valuation and £500 cashback
- Flexible features: Allows overpayments. Also payment holidays after one year, which are subject to approval
- Lending area: Great Britain.
Cards
Barclaycard – Barclaycard Platinum 33 Month Balance Transfer Visa
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from Barclaycard sees an increase to the introductory 0% balance transfer term to 33 months on its Platinum 32 Month Balance Transfer Visa Card, which is now the Platinum 33 Month Balance Transfer Visa Card. The introductory fee has also increased to 3.45%. Despite this, the card takes the market-leading position for its sector and is one of the best options available for customers looking to transfer debt for a longer period. Working in the deal’s favour, the card also offers 0% on purchases for three months, which may help borrowers with any unexpected costs. However, it is worth noting that transfers must be made within the first 60 days. Furthermore, borrowers can expect to receive a range of lifestyle perks, including exclusive presale tickets on selected festivals with 10% off ticket prices and up to 15% cashback from selected retailers with Barclaycard Cashback Rewards. On assessment, the card earns an Outstanding Moneyfacts product rating.”
Key product details:
- Introductory rate for purchases: 0% for three months
- Introductory rate for balance transfers: 0% for 33 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 3.45% as an introductory charge during the first two months from account opening. Standard fee quoted on application. Balance must be transferred within 60 days
- Card fee: None
- Opening method: Online, by phone and in branch
- Card management: Online, by phone, by post, in branch and via its mobile app
- Other information: Minimum age 21. Minimum income £20,000. Buy tickets for up to 3,500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Save 10% on food and drink at all UK 02 Academy venues. Earn up to 15% cashback on selected retailers with Barclaycard Cashback Rewards.
