Savings
DF Capital – 5 Year Fixed Rate Deposit (Issue 3)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from DF Capital sees it launch a handful of new Fixed Rate Deposits. The five-year option fares best, paying the market-leading rate for its sector at 4.47% AER. Savers will need to deposit at least £1,000 to receive the headline rate but they may also be pleased to see that further additions are permitted for 14 days from account opening via a nominated account. However, it is crucial that savers are set on keeping their cash locked away in the long-term as earlier access is not permitted. On assessment, this account earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.47% gross / 4.47% AER payable on maturity
- Notice / term: Five-year bond
- Minimum opening amount: £1,000
- Maximum investment amount: £250,000
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening via a nominated account
- Opening account: Online
- Managing account: Online and by phone
- Other information: Minimum applicant age 18.
West Brom Building Society – Four Access Saver (Issue 3)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“West Brom Building Society has added a new Four Access Saver to its range this week. The account pays an attractive 4.55% AER yearly, with a monthly interest option available for savers looking to give their income a boost. Savers can deposit as little as £1 and, as is the case with many easy access accounts, further additions are permitted at any time. However, consumers should be aware that although withdrawals are permitted at any time, they are only allowed four penalty-free withdrawals per year, and savers could see their rate drop significantly to 1.90% AER if they exceed this. On assessment, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.55% gross / 4.55% AER payable yearly / monthly interest option of 4.46% gross / 4.55% AER also available
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: £500,000
- Access: Permitted, lower rate of 1.90% gross/AER yearly or 1.88% gross / 1.90% 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 30.9.26 into a Direct Limited Access Saver account.
Mortgages
Santander – Two-year fixed rate mortgage, 85% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Alongside extending end dates, Santander has reduced many of its fixed rate offerings with cuts of up to 0.23%. One deal to see a slightly smaller 0.10% cut is the two-year deal at 85% loan-to-value and is now priced at 4.04% until 2 November 2027. The deal continues to carry a standard £999 product fee; but it also comes with a generous incentive package which includes a free valuation and £250 cashback. The combination of these features earns this product a spot in the Moneyfacts Best Buys and an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.04% fixed rate to 2.11.27
- Product fee: £999
- Maximum loan-to-value: 85%
- Available to: Second-time buyers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Lloyds Bank – Five-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Lloyds Bank has reduced selected homemover and first-time buyer rates by up to 0.10%. The five-year option at 80% loan-to-value has seen a smaller 0.05% cut and is now priced at 4.13% until 30 November 2030. The deal may appeal to borrowers looking for peace of mind with their repayments over the next five years. An incentive package of a free valuation is included, and the £999 product fee can be added to the mortgage advance. Potentially adding to its appeal, qualifying green properties could also receive £250 cashback. Overall, this package may entice those looking to save on the upfront cost of their mortgage and earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.13% fixed rate to 30.11.30
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: House purchase customers
- Incentives: Free valuation. Green Home cashback of £250 available for properties with an Energy Efficiency Band of A or B or a rating of 81 or higher.
- Flexible features: Allows overpayments and payment holidays
- Lending area: Great Britain and Northern Ireland.
Banking
Barclays Bank – Bank Account
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from Barclays Bank sees it add a new switching incentive to its Bank Account and Premier Bank Account. Consumers who switch to the Bank Account and sign up to Blue Rewards using the Current Account Switch Service (CASS) will receive £175 cashback following a small £5 per month charge and other eligibility conditions. Consumers can receive a variety of subscriptions through the scheme and it may entice those looking to reduce the amount of paid subscriptions and they could also get access to exclusive savings accounts. To add to its appeal, there is a £15 interest-free buffer on arranged overdrafts. Overall, the account earns an Excellent Moneyfacts product rating.”
Key product details:
- Credit interest / reward: None
- Cashback on debit card purchases: None
- Account fee: None
- Arranged overdraft: 35.00% EAR, plus £15 interest-free buffer.
- Opening account: Online, by phone, or via its 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 Barclays Blue Rewards. Eligibility criteria applies: £5pm charge, £800pm funding, must be registered for mobile banking. Exclusive access to members only savings accounts & earn cashback with Barclays Cashback partners. Subscription to Apple TV+ worth £8.99 pm plus MLS Season Pass worth £14.99 pm. £175 for accounts opened and switched using the Current Account Switch Service via the Barclays app. Have a minimum of two Direct Debits, deposit £1,500 into the account and join Barclays Blue Rewards by 28.8.2025. T&Cs apply.
Savings
DF Capital – 5 Year Fixed Rate Deposit (Issue 3)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from DF Capital sees it launch a handful of new Fixed Rate Deposits. The five-year option fares best, paying the market-leading rate for its sector at 4.47% AER. Savers will need to deposit at least £1,000 to receive the headline rate but they may also be pleased to see that further additions are permitted for 14 days from account opening via a nominated account. However, it is crucial that savers are set on keeping their cash locked away in the long-term as earlier access is not permitted. On assessment, this account earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.47% gross / 4.47% AER payable on maturity
- Notice / term: Five-year bond
- Minimum opening amount: £1,000
- Maximum investment amount: £250,000
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening via a nominated account
- Opening account: Online
- Managing account: Online and by phone
- Other information: Minimum applicant age 18.
West Brom Building Society – Four Access Saver (Issue 3)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“West Brom Building Society has added a new Four Access Saver to its range this week. The account pays an attractive 4.55% AER yearly, with a monthly interest option available for savers looking to give their income a boost. Savers can deposit as little as £1 and, as is the case with many easy access accounts, further additions are permitted at any time. However, consumers should be aware that although withdrawals are permitted at any time, they are only allowed four penalty-free withdrawals per year, and savers could see their rate drop significantly to 1.90% AER if they exceed this. On assessment, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.55% gross / 4.55% AER payable yearly / monthly interest option of 4.46% gross / 4.55% AER also available
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: £500,000
- Access: Permitted, lower rate of 1.90% gross/AER yearly or 1.88% gross / 1.90% 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 30.9.26 into a Direct Limited Access Saver account.
Mortgages
Santander – Two-year fixed rate mortgage, 85% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Alongside extending end dates, Santander has reduced many of its fixed rate offerings with cuts of up to 0.23%. One deal to see a slightly smaller 0.10% cut is the two-year deal at 85% loan-to-value and is now priced at 4.04% until 2 November 2027. The deal continues to carry a standard £999 product fee; but it also comes with a generous incentive package which includes a free valuation and £250 cashback. The combination of these features earns this product a spot in the Moneyfacts Best Buys and an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.04% fixed rate to 2.11.27
- Product fee: £999
- Maximum loan-to-value: 85%
- Available to: Second-time buyers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Lloyds Bank – Five-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Lloyds Bank has reduced selected homemover and first-time buyer rates by up to 0.10%. The five-year option at 80% loan-to-value has seen a smaller 0.05% cut and is now priced at 4.13% until 30 November 2030. The deal may appeal to borrowers looking for peace of mind with their repayments over the next five years. An incentive package of a free valuation is included, and the £999 product fee can be added to the mortgage advance. Potentially adding to its appeal, qualifying green properties could also receive £250 cashback. Overall, this package may entice those looking to save on the upfront cost of their mortgage and earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.13% fixed rate to 30.11.30
- Product fee: £999
- Maximum loan-to-value: 80%
- Available to: House purchase customers
- Incentives: Free valuation. Green Home cashback of £250 available for properties with an Energy Efficiency Band of A or B or a rating of 81 or higher.
- Flexible features: Allows overpayments and payment holidays
- Lending area: Great Britain and Northern Ireland.
Banking
Barclays Bank – Bank Account
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from Barclays Bank sees it add a new switching incentive to its Bank Account and Premier Bank Account. Consumers who switch to the Bank Account and sign up to Blue Rewards using the Current Account Switch Service (CASS) will receive £175 cashback following a small £5 per month charge and other eligibility conditions. Consumers can receive a variety of subscriptions through the scheme and it may entice those looking to reduce the amount of paid subscriptions and they could also get access to exclusive savings accounts. To add to its appeal, there is a £15 interest-free buffer on arranged overdrafts. Overall, the account earns an Excellent Moneyfacts product rating.”
Key product details:
- Credit interest / reward: None
- Cashback on debit card purchases: None
- Account fee: None
- Arranged overdraft: 35.00% EAR, plus £15 interest-free buffer.
- Opening account: Online, by phone, or via its 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 Barclays Blue Rewards. Eligibility criteria applies: £5pm charge, £800pm funding, must be registered for mobile banking. Exclusive access to members only savings accounts & earn cashback with Barclays Cashback partners. Subscription to Apple TV+ worth £8.99 pm plus MLS Season Pass worth £14.99 pm. £175 for accounts opened and switched using the Current Account Switch Service via the Barclays app. Have a minimum of two Direct Debits, deposit £1,500 into the account and join Barclays Blue Rewards by 28.8.2025. T&Cs apply.
