Savings

Plum – Plum Cash ISA

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

“The latest update from Plum has seen it increase the rate on the £100 tier of its Plum Cash ISA. The account retains a competitive position in the market when compared to its peers and now pays 4.95% AER, which includes a 1.66% AER bonus for the first 12 months, so savers may need to review their rate once this expires. Savers can invest as little as £1 but they should keep in mind that they will not receive the headline rate at this level. But, to add to the account’s appeal, interest is paid monthly which is good news for consumers looking to boost their income. Savers only have a handful of penalty-free withdrawals and once they reach four or more the rate will drop to 3.29% AER. Overall, this deal earns an Excellent Moneyfacts product rating.”

Key product details:

• Rate: 3.25% gross / 3.29% AER paid from £1, 4.89% gross / 4.95% AER paid from £100, payable monthly (including a 1.64% gross / 1.66% AER bonus for 12 months on the £100 tier only, payable on first anniversary from account opening)
• Notice / term: None
• Minimum opening amount: £1
• Maximum investment amount: ISA allowance
• Access: Permitted, 3.25% gross / 3.29% AER paid if more than three withdrawals are made per year. Minimum withdrawal £1
• Further additions: Permitted, minimum addition £1
• Transfers in: Permitted, accepts Cash ISAs, Stocks & Shares ISAs, Help to Buy ISAs, Lifetime ISAs, Innovative Finance ISAs, and Stocks & Shares LISAs. Bonus rate not applicable if opened via transfer of an existing ISA
• Transfers out: Permitted
• Opening account: Via its mobile app
• Managing account: Via its mobile app
• Other information: Minimum applicant age 18. Operated by Citibank UK Limited. Bonus rate only applicable if a minimum account balance of £100 is maintained and not opened via transfer of an existing ISA. Investors can choose to split their Cash ISA savings across multiple ISAs within Plum’s range.

Vanquis Bank – Vanquis Bank Savings

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

“Vanquis Bank has increased the rate on a handful of its savings products this week, including the one-year option of its Vanquis Bank Savings account. Now paying 4.52% AER on the account’s anniversary, the deal takes a competitive position in the one-year fixed bond market; there is also a monthly interest option available. Savers will need to invest a minimum of £1,000 and this may attract those looking for a guaranteed return but, like many fixed bonds, withdrawals are not permitted. Working in the account’s favour, investors can make further additions for 30 days from account opening and within five working days of the initial deposit being made via a nominated account. On assessment, this account receives an Excellent Moneyfacts product rating.”

 Key product details:

• Rate: 4.52% gross / 4.52% AER payable on anniversary / monthly interest option of 4.43% gross / 4.52% AER also available
• Notice / term: One year
• Minimum opening amount: £1,000
• Maximum investment amount: £250,000
• Access: Not permitted
• Further additions: Permitted, for 30 days from account opening and within five working days of initial deposit via nominated account
• Opening account: Online
• Managing account: Online
• Other information: Minimum applicant age 18. Joint account option available.

Newcastle Building Society – 6 Month Variable Saver (Issue 2)

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

“Newcastle Building Society has changed the issue number on its 6 Month Variable Saver, but the rate remains unchanged at a competitive 4.40% AER on maturity, however, there is a monthly interest option also available. Savers can invest as little as £1, and the account may appeal to those looking for flexibility as withdrawals and further additions are permitted. It is worth noting that on 11 February 2026 the Variable Saver matures into a loyalty saver account. Overall, the account secures an Excellent Moneyfacts product rating.”

Key product details:

• Rate: 4.40% gross / 4.40% AER payable on maturity / monthly interest option of 4.31% gross / 4.40% AER also available.
• Notice / term: Matures on 11.2.26 into a loyalty saver account
• Minimum opening amount: £1
• Maximum investment amount: £1 million
• Access: Permitted
• Further additions: Permitted
• Opening account: Online and in branch
• Managing account: Online, by phone, by post and in branch
• Other information: Minimum applicant age 16. Joint account option available.

AlRayan Bank – Educate A Child International 36 Month Fixed Term Deposit

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

“Al Rayan Bank has increased the expected profit rate on its Educate A Child International 36 Month Fixed Term Deposit this week. It now takes a competitive position when compared against other three-year bonds, paying an expected profit rate of 4.30% AER on maturity or there is a quarterly option available. Savers must be comfortable locking away their cash for the full term and they should also consider their initial deposit carefully as further additions are not permitted. There is an added feel-good factor as a 0.10% donation is made to Educate A Child International based on the account’s balance. Overall, this account receives an Excellent Moneyfacts product rating.”

 Key product details:

• Rate: 4.30% gross / 4.30% AER payable on maturity / quarterly option paying 4.24% gross / 4.30% AER.
• Notice / term: 36-month bond
• Minimum opening amount: £5,000
• Maximum investment amount: £1 million
• Access: Not permitted
• Further additions: Not permitted
• Opening account: Online and via its mobile app
• Managing account: Online and via its mobile app
• Other information: Minimum applicant age 16. Joint account option available, Shari’ah compliant account – rates shown are expected profit rate, quarterly profit can be taken as income with reduced rate. 0.10% donation made to Educate a Child International based on the balances held in these accounts. Mobile app opening available to existing customers only.

Marsden Building Society – Fixed Rate Cash ISA (Issue 260)

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

“Marsden Building Society has increased the rate on the two-year option of its Fixed Rate Cash ISA this week, paying 4.30% AER which sees it take the market-leading position. Savers will need to deposit at least £5,000 but further additions can be made for 14 days from the account opening, which may be a bonus for some. As is the case with many fixed cash ISAs access and transfers out are permitted but they will be subject to a 270 days’ loss of interest penalty and account closure. Overall, the account earns an Excellent Moneyfacts product rating.”

 Key product details:

• Rate: 4.30% gross / 4.30% AER payable yearly
• Notice / term: 30.9.27
• Minimum opening amount: £5,000
• Maximum investment amount: ISA allowance
• Access: Permitted, subject to 270 days’ loss of interest penalty and account closure
• Further additions: Permitted for 14 days from account opening
• Transfers in: Permitted, within 30 days of account opening. Accepts Cash ISAs
• Transfers out: Permitted, subject to 270 days’ loss of interest penalty
• Opening account: Online
• Managing account: Online
• Other information: Minimum applicant age 18.

Mortgages

Barclays Mortgage – Five-year fixed rate mortgage, 60% loan-to-value

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

“This week, Barclays Mortgage has reduced several fixed rates within its range by up to 0.18%. One deal to see a slightly smaller cut is the five-year option at 60% loan-to-value for remortgage customers. Following a 0.10% reduction it falls below 4% and now charges 3.93% until 30 September 2030. Borrowers looking to keep their remortgaging costs low may be pleased to see that this deal comes with an appealing incentive package which includes a free valuation and the choice between free legal fees or £350 cashback. There is a reasonable £999 product fee attached which can be paid upfront or added to the advance. Overall, this deal becomes the lowest on rate alone for remortgages and earns an Outstanding Moneyfacts product rating.”

 Key product details:

• Rate: 3.93% fixed rate to 30.9.30
• Product fee: £999
• Maximum loan-to-value: 60%
• Available to: Remortgage customers
• Incentives: Free valuation and free legal fees or £350 cashback
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

Nationwide Building Society – Two-year fixed rate mortgage, 80% loan-to-value

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

“Nationwide Building Society has reduced selected fixed rate mortgages this week by up to 0.20%. One deal to see a smaller 0.12% cut is the two-year fixed rate deal at 80% loan-to-value for second-time buyers, which is now priced at 4.10%. The deal includes an attractive incentive package of a free valuation as well as a Green Reward. The mortgage has a reasonable £999 product fee attached which can be added to the advance, so those looking to save on the upfront cost of their deal may find the package appealing. Overall, this product earns an Outstanding Moneyfacts product rating.”

 Key product details:

• Rate: 4.10% fixed rate for two years
• Product fee: £999
• Maximum loan-to-value: 80%
• Available to: Second-time buyers
• Incentives: Free valuation. £250 Green Reward for properties with an EPC score of 86 to 91, or £500 Green Reward for properties with an EPC score of 92+.
• Flexible features: Allows overpayments. Underpayments considered subject to approval and overpayments having been made
• Lending area: Great Britain and Northern Ireland (excluding Scilly Isles).

Buy-to-Let

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

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

“NatWest has refreshed its buy-to-let range with reductions across most of its products. The two-year deal at 60% loan-to-value for house purchase customers has been cut by 0.06% and is now priced at 4.11% until 30 September 2027. The offer continues to carry a £995 arrangement fee, but this is offset by a free valuation incentive. On assessment, this deal earns an Excellent Moneyfacts product rating.”

 Key product details:

• Rate: 4.11% fixed rate to 30.9.27
• Product fee: £995
• Maximum loan-to-value: 60%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland. Online exclusive deal.

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

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

“In the latest mortgage update, Principality Building Society has made several changes to its buy-to-let range including end date extensions and rate cuts. The five-year option at 60% loan-to-value has seen a 0.12% cut and is now priced at 4.13% until 31 October 2030. Landlords should be aware that there is a larger than average £1,395 product fee which is partially offset by a free valuation incentive. Overall, this deal earns an Outstanding Moneyfacts product rating.”

 Key product details:

• Rate: 4.13% fixed rate to 31.10.30
• 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.

Banking

Lloyds Bank – Club Lloyds

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

“The latest update from Lloyds Bank sees it add a new switching incentive to its Club Lloyds current accounts. Consumers who switch to the Club Lloyds account before 28 July using the Current Account Switch Service (CASS) will receive £185 cashback following certain conditions. The account offers some enticing benefits which allow customers to choose one lifestyle benefit each year, ranging from a 12-month Disney+ subscription to cinema tickets. In addition, they can earn up to 15% cashback from selected retailers. Although this account comes with a £5 monthly fee, this is waived if the account if credited with at least £2,000 each month. To add to its appeal, there is a £100 interest-free buffer on arranged overdrafts, and it is also interest-free for the first three months on switched accounts. Overall, the account earns an Outstanding Moneyfacts product rating.”

 Key product details:

• Credit interest / reward: 1.49% gross / 1.50 AER per annum on balances up to £4,000, 2.96% gross / 3.00% AER on balances between £4,000 - £5,000. No interest paid on balances over £5,000.
• Cashback on debit card purchases: Everyday offers – Earn up to 15% cashback from selected retailers when shopping with a Lloyds Bank credit or debit card. Customers must be registered for online banking and hold a Lloyds Bank current account to be eligible
• Account fee: £5. Account fee waived if account credited with at least £2,000 per month
• Arranged overdraft: 29.90% EAR, plus £100 interest-free buffer. Interest-free for three months on switched current accounts
• Opening account: Online, by phone, in branch or mobile app
• Managing account: Online, by phone, in branch, mobile app, by post, at the Post Office and text alerts
• Other information: Minimum applicant age 18. Eligible for linked Savings Pots. £185 free cash offer, using the Current Account Switch Service including three active direct debits until 28.7.25. Previous accounts must be closed. Ts&Cs apply. Customers can choose one lifestyle benefit each year from a 12-month Disney+ subscription, cinema tickets, magazine subscription, Gourmet Society membership or digital movie rentals.

Cards

Virgin Money – 33 Month Balance Transfer Credit Card Mastercard

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

“This week, Virgin Money has increased the introductory balance transfer term on the newly named 33 Month Balance Transfer Credit Card. The deal now offers one of the longest interest-free balance transfer periods on the market, making it ideal for borrowers with existing debt, and for the first three months they can transfer their debt at 2.99%. Adding to its appeal, the card also offers 0% introductory rate for purchases for the first three months. Customers can enjoy exclusive offers and rewards on the Virgin Red app, which enhances its overall appeal. Overall, 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: 2.99% as an introductory charge during the first two months from account opening, rising to 5.00% (no min) thereafter
• Card fee: None
• Opening method: Online and in branch
• Card management: By phone, post and via its mobile app
• Other information: Minimum age 18. Enjoy exclusive offers and rewards on the Virgin Red app. Rates dependent on credit rating.

Loans

Novuna Personal Finance – Unsecured Personal Loan

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

“The latest update from Novuna Personal Finance sees it reduce the rates on selected tiers of its Unsecured Personal Loan, including the £7,500 to £25,000 tier. The deal now charges 5.9% APR, meaning this option becomes one of the cheapest on the market. To add to its appeal, the loan allows overpayments to be made without incurring an early repayment charge. Overall, the product earns an Outstanding Moneyfacts product rating.”

 Key product details:

• Representative APR: 5.9%
• Loan period: Rate shown is based on a term of 60 months for a £7,500 borrowing
• Application available: Online and by phone
• Other information: Minimum age 21. Minimum Applicant Net Income £10,000 per year.