Savings
Chase – Chase Saver With Boosted Rate Offer
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Chase has reduced the rate on its Chase Saver With Boosted Rate this week. Despite the reduction, it continues to take a highly competitive position in the easy access with bonus market. The account pays 4.50% AER, but this is inclusive of a 1.69% bonus for six months for savers new to Chase. Savers looking for flexibility with their cash may find this an ideal option. There is no minimum opening amount required, however, there is a £25,000 daily external transfer limit so consumers with larger pots may wish to consider carefully. Overall, the account earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.41% gross / 4.50% AER payable monthly, includes 1.69% bonus for six months
- Notice / term: None
- Minimum opening amount: £0
- Maximum investment amount: £3 million
- Access: Permitted, £25,000 daily external transfer limit
- Further additions: Permitted
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18. Maximum investment £3 million across all Chase Saver Accounts (can hold up to 10). Boosted rate can only be applied to one account and is available to new Chase customers only.
Secure Trust Bank – 3 Year Fixed Rate Bond (23.Jun.28)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Secure Trust Bank has launched a new range of fixed rate bonds, including a 3 Year Fixed Rate Bond (23 Jun.28), which takes the market-leading position when compared against its peers. Paying 4.42% AER yearly, savers with at least £1,000 to deposit may find this an attractive option if they are looking to receive a guaranteed return over the next three years. Adding to its appeal, further additions are permitted via a nominated account for 30 days but, as is typical of fixed accounts, savers will not be permitted to access their funds early. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.42% gross / 4.42% AER payable yearly
- Notice / term: 23.6.28
- Minimum opening amount: £1,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Permitted for 30 days from account opening via a nominated account and from a minimum of £1,000 per deposit
- Opening account: Online
- Managing account: Online, by phone and mobile app
- Other information: Minimum applicant age 18.
Castle Trust Bank – 1 Year Fixed Rate e-Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Castle Trust Bank has reduced the rate on its 1Year Fixed Rate e-Cash ISA this week. Despite this, the account remains a competitive option compared to other fixed ISAs with similar terms. The account pays 4.22% AER and may well appeal to savers looking to utilise their ISA allowance and receive a guaranteed return on their investments. Although earlier access is permitted, savers may wish to note this is subject to account closure and 90 days’ loss of interest penalty. In more positive news, further additions are permitted for 14 days from the account opening but it is crucial that savers fund their account with a minimum of £1,000 within this period, otherwise no interest payment will be made, and their money will be refunded. On assessment, the account secures an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.22% gross / 4.22% AER payable on maturity
- Notice / term: One year
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 90-day loss of interest penalty and closure of account
- Further additions: Permitted for 14 days from account opening
- Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
- Transfers out: Permitted, subject to 90-day loss of interest penalty and closure of the account
- Opening account: Online and by phone
- Managing account: Online and via its mobile app
- Other information: Minimum applicant age 18. New customers can only open an account via the website, after which they gain access to the mobile app and can open subsequent accounts using the Self Service Portal or mobile app. Castle Trust Bank will plant a tree when an e-Cash ISA or e-Saver account is opened and funded within the 14-day funding window. If minimum investment is not made within 14 days of account opening, no interest is paid and the balance will be refunded. Investors can choose to split their Cash ISA savings across multiple ISAs within Castle Trust Bank’s range.
Close Brothers Savings – 5 Year Fixed Rate Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Close Brothers Savings has added a new 1- and 5-Year Fixed Rate Cash ISA to its range this week. The five-year option fares best, taking a competitive position in the market when compared against similar ISAs. The account pays 4.15% AER for savers with at least £10,000 to deposit. This deal may be an enticing option for those looking to maximise their tax-free savings in the long-term. Although earlier access is permitted, consumers should consider any withdrawals carefully as they are subject to account closure and 365-days’ loss of interest penalty. In more positive news, further additions are permitted for 10 days from the account opening. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.15% gross / 4.15% AER payable yearly
- Notice / term: Five years
- Minimum opening amount: £10,000
- Maximum investment amount: ISA allowance
- Access: Permitted, on account closure and subject to a 365-day loss of interest penalty
- Further additions: Permitted, for 10 days from account opening
- Transfers in: Permitted, allows Cash and Stocks and Shares ISAs. Transfer instructions must be received within 10 days of account opening
- Transfers out: Permitted, subject to a 365-day loss of interest penalty and closure of the account
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Close Brothers Savings’ range.
Mortgages
Barclays Mortgage – Two-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Barclays Mortgage has made cuts to its lower loan-to-value fixed rates by up to 0.19%. The two-year deal at 75% loan-to-value has seen a smaller 0.04% cut and is now priced at a competitive 3.95% until 30 June 2027. Borrowers looking to save on the upfront cost of their mortgage may find this an appealing option as there is a £899 product fee attached and a free valuation incentive. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.95% fixed rate to 30.6.27
- Product fee: £899
- Maximum loan-to-value: 75%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Principality Building Society – Two-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“In the latest mortgage update, Principality Building Society has reduced selected fixed rates in its residential range by up to 0.21%. The two-year option at 75% loan-to-value for remortgage customers has seen a generous but slightly smaller 0.20% cut and is now priced at 4.30% until 31 August 2027. The deal comes with an enticing incentive package; all borrowers will receive a free valuation, but remortgage customers will also receive free legal fees. Adding to its appeal there is also no payable product fee. Overall, this deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.30% fixed rate to 31.8.27
- Product fee: None
- Maximum loan-to-value: 75%
- 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.
Santander – Two-year fixed rate mortgage, 90% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Santander has reduced selected rates for borrowers by up to 0.18%. One deal to see a smaller cut of 0.05% is the two-year fixed rate deal at 90% loan-to-value for second-time buyers, which is now priced at 4.56% until 2 August 2027. Borrowers looking for a competitive rate and to save on the cost of their mortgage may find this an attractive deal as it charges a reasonable £749 product fee and has a generous incentive package which includes a free valuation and £250 cashback. The combination of these features earns this product an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.56% fixed rate to 2.8.27
- Product fee: £749
- Maximum loan-to-value: 90%
- Available to: Second-time buyers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Savings
Chase – Chase Saver With Boosted Rate Offer
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Chase has reduced the rate on its Chase Saver With Boosted Rate this week. Despite the reduction, it continues to take a highly competitive position in the easy access with bonus market. The account pays 4.50% AER, but this is inclusive of a 1.69% bonus for six months for savers new to Chase. Savers looking for flexibility with their cash may find this an ideal option. There is no minimum opening amount required, however, there is a £25,000 daily external transfer limit so consumers with larger pots may wish to consider carefully. Overall, the account earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.41% gross / 4.50% AER payable monthly, includes 1.69% bonus for six months
- Notice / term: None
- Minimum opening amount: £0
- Maximum investment amount: £3 million
- Access: Permitted, £25,000 daily external transfer limit
- Further additions: Permitted
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18. Maximum investment £3 million across all Chase Saver Accounts (can hold up to 10). Boosted rate can only be applied to one account and is available to new Chase customers only.
Secure Trust Bank – 3 Year Fixed Rate Bond (23.Jun.28)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Secure Trust Bank has launched a new range of fixed rate bonds, including a 3 Year Fixed Rate Bond (23 Jun.28), which takes the market-leading position when compared against its peers. Paying 4.42% AER yearly, savers with at least £1,000 to deposit may find this an attractive option if they are looking to receive a guaranteed return over the next three years. Adding to its appeal, further additions are permitted via a nominated account for 30 days but, as is typical of fixed accounts, savers will not be permitted to access their funds early. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.42% gross / 4.42% AER payable yearly
- Notice / term: 23.6.28
- Minimum opening amount: £1,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Permitted for 30 days from account opening via a nominated account and from a minimum of £1,000 per deposit
- Opening account: Online
- Managing account: Online, by phone and mobile app
- Other information: Minimum applicant age 18.
Castle Trust Bank – 1 Year Fixed Rate e-Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Castle Trust Bank has reduced the rate on its 1Year Fixed Rate e-Cash ISA this week. Despite this, the account remains a competitive option compared to other fixed ISAs with similar terms. The account pays 4.22% AER and may well appeal to savers looking to utilise their ISA allowance and receive a guaranteed return on their investments. Although earlier access is permitted, savers may wish to note this is subject to account closure and 90 days’ loss of interest penalty. In more positive news, further additions are permitted for 14 days from the account opening but it is crucial that savers fund their account with a minimum of £1,000 within this period, otherwise no interest payment will be made, and their money will be refunded. On assessment, the account secures an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.22% gross / 4.22% AER payable on maturity
- Notice / term: One year
- Minimum opening amount: £1,000
- Maximum investment amount: ISA allowance
- Access: Permitted, subject to 90-day loss of interest penalty and closure of account
- Further additions: Permitted for 14 days from account opening
- Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
- Transfers out: Permitted, subject to 90-day loss of interest penalty and closure of the account
- Opening account: Online and by phone
- Managing account: Online and via its mobile app
- Other information: Minimum applicant age 18. New customers can only open an account via the website, after which they gain access to the mobile app and can open subsequent accounts using the Self Service Portal or mobile app. Castle Trust Bank will plant a tree when an e-Cash ISA or e-Saver account is opened and funded within the 14-day funding window. If minimum investment is not made within 14 days of account opening, no interest is paid and the balance will be refunded. Investors can choose to split their Cash ISA savings across multiple ISAs within Castle Trust Bank’s range.
Close Brothers Savings – 5 Year Fixed Rate Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Close Brothers Savings has added a new 1- and 5-Year Fixed Rate Cash ISA to its range this week. The five-year option fares best, taking a competitive position in the market when compared against similar ISAs. The account pays 4.15% AER for savers with at least £10,000 to deposit. This deal may be an enticing option for those looking to maximise their tax-free savings in the long-term. Although earlier access is permitted, consumers should consider any withdrawals carefully as they are subject to account closure and 365-days’ loss of interest penalty. In more positive news, further additions are permitted for 10 days from the account opening. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.15% gross / 4.15% AER payable yearly
- Notice / term: Five years
- Minimum opening amount: £10,000
- Maximum investment amount: ISA allowance
- Access: Permitted, on account closure and subject to a 365-day loss of interest penalty
- Further additions: Permitted, for 10 days from account opening
- Transfers in: Permitted, allows Cash and Stocks and Shares ISAs. Transfer instructions must be received within 10 days of account opening
- Transfers out: Permitted, subject to a 365-day loss of interest penalty and closure of the account
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Close Brothers Savings’ range.
Mortgages
Barclays Mortgage – Two-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Barclays Mortgage has made cuts to its lower loan-to-value fixed rates by up to 0.19%. The two-year deal at 75% loan-to-value has seen a smaller 0.04% cut and is now priced at a competitive 3.95% until 30 June 2027. Borrowers looking to save on the upfront cost of their mortgage may find this an appealing option as there is a £899 product fee attached and a free valuation incentive. Overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.95% fixed rate to 30.6.27
- Product fee: £899
- Maximum loan-to-value: 75%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Principality Building Society – Two-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“In the latest mortgage update, Principality Building Society has reduced selected fixed rates in its residential range by up to 0.21%. The two-year option at 75% loan-to-value for remortgage customers has seen a generous but slightly smaller 0.20% cut and is now priced at 4.30% until 31 August 2027. The deal comes with an enticing incentive package; all borrowers will receive a free valuation, but remortgage customers will also receive free legal fees. Adding to its appeal there is also no payable product fee. Overall, this deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.30% fixed rate to 31.8.27
- Product fee: None
- Maximum loan-to-value: 75%
- 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.
Santander – Two-year fixed rate mortgage, 90% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Santander has reduced selected rates for borrowers by up to 0.18%. One deal to see a smaller cut of 0.05% is the two-year fixed rate deal at 90% loan-to-value for second-time buyers, which is now priced at 4.56% until 2 August 2027. Borrowers looking for a competitive rate and to save on the cost of their mortgage may find this an attractive deal as it charges a reasonable £749 product fee and has a generous incentive package which includes a free valuation and £250 cashback. The combination of these features earns this product an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.56% fixed rate to 2.8.27
- Product fee: £749
- Maximum loan-to-value: 90%
- Available to: Second-time buyers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
