Savings
GB Bank – 1 Year Fixed Rate Bond
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week GB Bank has reduced the rates on a selection of its Fixed Rate Bonds. Despite this, the one-year account maintains its market-leading position and now pays 4.53% AER on maturity. Savers looking to boost their income may also be pleased to note that there is a monthly interest option available. To receive the headline rate, investors will need to deposit at least £1,000 and further additions are permitted for 21 days from account opening. On assessment, this account earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.53% gross / 4.53% AER payable on maturity, monthly interest option of 4.44% gross / 4.53% AER
- Notice / term: One year
- Minimum opening amount: £1,000
- Maximum investment amount: £100,000
- Access: Not permitted
- Further additions: Permitted, for 21 days from account opening
- Opening account: Online
- Managing account: Online and via its mobile app
- Other information: Minimum applicant age 18. Joint account option available.
Birmingham Bank – 5 Year Fixed Rate Bond - Issue 23
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Birmingham Bank changed the issue number and increased the rate on its 5 Year Fixed Rate Bond. Now paying 4.51% AER, the rise improves its position in the top rate tables and pushes the account into the market-leading position for its term. Savers must have at least £5,000 and, as is the case with many fixed bonds, earlier access is not permitted so they must plan accordingly. However, further additions are allowed for 14 days via a nominated account which may be a bonus for some. On assessment, the account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.51% gross / 4.51% AER payable on anniversary
- Notice / term: Five years
- Minimum opening amount: £5,000
- Maximum investment amount: £250,000
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening via nominated account
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
Mortgages
Yorkshire Building Society – Two-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“House purchase customers seeking a competitive mortgage deal with reasonable upfront costs may find this latest fixed rate deal from Yorkshire Building Society an attractive choice. The two-year fixed rate mortgage at 75% loan-to-value has seen a small cut this week and now charges 3.91% until 31 October 2027. Borrowers can still expect a reasonable £995 fee attached which is offset by its free valuation incentive. Homebuyers can also make overpayments, as well as underpayments and payment holidays subject to conditions, which could be a bonus. Following the cut in rate, the offering earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 3.91% fixed rate to 31.10.27
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments. Underpayments and payment holidays considered, not to exceed level of overpayments previously made
- Lending area: Great Britain and Northern Ireland.
Skipton Building Society – Three-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Alongside extending end dates, Skipton Building Society has reduced selected fixed rates by up to 0.16%. The three-year deal at 95% loan-to-value has seen a slightly smaller 0.07% cut and is now priced at 4.95% until 30 November 2028 and may appeal to those looking for a competitive rate on a limited deposit. Adding to its appeal, this deal also does not charge any product fees and comes with a free valuation incentive. There is also the option to make overpayments and take payment holidays, subject to conditions. On assessment, considering all the features, the deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.95% fixed rate to 30.11.28
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments. Payment holidays after six months, maximum six months holiday per year subject to sufficient overpayments, approval and 14 days’ notice
- Lending area: Great Britain.
Buy-to-Let
HSBC – Five-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“HSBC has refreshed its buy-to-let mortgage range with reductions across most of its products. The five-year deal at 75% loan-to-value has seen a small 0.05% cut and is now priced at a competitive 3.84% until 30 September 2030. Landlords should note that the deal comes with a large £3,999 product fee which is partially offset by a free valuation incentive. This cut is enough to see it take a position at the top of its sector and overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.84% fixed rate to 30.9.30
- Product fee: £3,999
- Maximum loan-to-value: 75%
- Available to: Second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
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 a reduction to the introductory balance transfer fee on its Platinum 33 Month Balance Transfer Visa Card. This card remains one of the best options available for customers looking to transfer debt over a longer period. Working in the deal’s favour, the card continues to offer 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: 3.15% 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 £20,000pa. 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.
Virgin Money – 24 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 24 Month Balance Transfer Credit Card and has reduced the balance transfer fee to just 1.95%, making it one of the lowest fees available. The card is an attractive option for borrowers looking to transfer existing debt interest free. Adding to its appeal, borrowers can also enjoy three months of 0% on purchases. 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 24 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 1.95% 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, by phone 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.
Banking
TSB – Spend & Save
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“For customers looking to switch their current account provider, TSB has introduced a new switching incentive this week for those who switch to either the Spend & Save or Spend & Save Plus account. Customers who switch using the CASS (Current Account Switch Service) can now receive £100 cashback following certain conditions. Adding to the account’s appeal, customers can also earn up to £15 per month in cashback when making 20 or more debit card transactions. The Spend & Save has no monthly account fee, and customers can also benefit from exclusive offers through the TSB Marketplace. However, it is important to note that there is no credit interest offered on balances, which some may wish to consider. As is the case when switching to any account, customers will need to assess all the benefits and charges to ensure it’s the right choice for them. Overall, the account earns an Outstanding Moneyfacts product rating.”
Key product details:
- Credit interest / reward: None
- Cashback on debit card purchases: Customers can earn up to £15 per month cashback in the first six months when making 20 or more debit card payments each month
- Account fee: None
- Arranged overdraft: 39.90% EAR, plus interest-free for three months on switched current accounts
- Opening account: Online, in branch or via mobile app
- Managing account: Online, in branch, by phone, via mobile app or at the Post Office
- Other information: Minimum applicant age 18. Eligible for linked Savings Pots. £100 free cash offer, using the Current Account Switch Service, customers must have logged into the TSB Mobile Banking App and made at least five debit card payments by 29 September 2025.
Savings
GB Bank – 1 Year Fixed Rate Bond
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week GB Bank has reduced the rates on a selection of its Fixed Rate Bonds. Despite this, the one-year account maintains its market-leading position and now pays 4.53% AER on maturity. Savers looking to boost their income may also be pleased to note that there is a monthly interest option available. To receive the headline rate, investors will need to deposit at least £1,000 and further additions are permitted for 21 days from account opening. On assessment, this account earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.53% gross / 4.53% AER payable on maturity, monthly interest option of 4.44% gross / 4.53% AER
- Notice / term: One year
- Minimum opening amount: £1,000
- Maximum investment amount: £100,000
- Access: Not permitted
- Further additions: Permitted, for 21 days from account opening
- Opening account: Online
- Managing account: Online and via its mobile app
- Other information: Minimum applicant age 18. Joint account option available.
Birmingham Bank – 5 Year Fixed Rate Bond - Issue 23
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Birmingham Bank changed the issue number and increased the rate on its 5 Year Fixed Rate Bond. Now paying 4.51% AER, the rise improves its position in the top rate tables and pushes the account into the market-leading position for its term. Savers must have at least £5,000 and, as is the case with many fixed bonds, earlier access is not permitted so they must plan accordingly. However, further additions are allowed for 14 days via a nominated account which may be a bonus for some. On assessment, the account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.51% gross / 4.51% AER payable on anniversary
- Notice / term: Five years
- Minimum opening amount: £5,000
- Maximum investment amount: £250,000
- Access: Not permitted
- Further additions: Permitted for 14 days from account opening via nominated account
- Opening account: Online
- Managing account: Online
- Other information: Minimum applicant age 18.
Mortgages
Yorkshire Building Society – Two-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“House purchase customers seeking a competitive mortgage deal with reasonable upfront costs may find this latest fixed rate deal from Yorkshire Building Society an attractive choice. The two-year fixed rate mortgage at 75% loan-to-value has seen a small cut this week and now charges 3.91% until 31 October 2027. Borrowers can still expect a reasonable £995 fee attached which is offset by its free valuation incentive. Homebuyers can also make overpayments, as well as underpayments and payment holidays subject to conditions, which could be a bonus. Following the cut in rate, the offering earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 3.91% fixed rate to 31.10.27
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments. Underpayments and payment holidays considered, not to exceed level of overpayments previously made
- Lending area: Great Britain and Northern Ireland.
Skipton Building Society – Three-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Alongside extending end dates, Skipton Building Society has reduced selected fixed rates by up to 0.16%. The three-year deal at 95% loan-to-value has seen a slightly smaller 0.07% cut and is now priced at 4.95% until 30 November 2028 and may appeal to those looking for a competitive rate on a limited deposit. Adding to its appeal, this deal also does not charge any product fees and comes with a free valuation incentive. There is also the option to make overpayments and take payment holidays, subject to conditions. On assessment, considering all the features, the deal earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.95% fixed rate to 30.11.28
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments. Payment holidays after six months, maximum six months holiday per year subject to sufficient overpayments, approval and 14 days’ notice
- Lending area: Great Britain.
Buy-to-Let
HSBC – Five-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“HSBC has refreshed its buy-to-let mortgage range with reductions across most of its products. The five-year deal at 75% loan-to-value has seen a small 0.05% cut and is now priced at a competitive 3.84% until 30 September 2030. Landlords should note that the deal comes with a large £3,999 product fee which is partially offset by a free valuation incentive. This cut is enough to see it take a position at the top of its sector and overall, this product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.84% fixed rate to 30.9.30
- Product fee: £3,999
- Maximum loan-to-value: 75%
- Available to: Second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
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 a reduction to the introductory balance transfer fee on its Platinum 33 Month Balance Transfer Visa Card. This card remains one of the best options available for customers looking to transfer debt over a longer period. Working in the deal’s favour, the card continues to offer 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: 3.15% 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 £20,000pa. 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.
Virgin Money – 24 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 24 Month Balance Transfer Credit Card and has reduced the balance transfer fee to just 1.95%, making it one of the lowest fees available. The card is an attractive option for borrowers looking to transfer existing debt interest free. Adding to its appeal, borrowers can also enjoy three months of 0% on purchases. 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 24 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 1.95% 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, by phone 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.
Banking
TSB – Spend & Save
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“For customers looking to switch their current account provider, TSB has introduced a new switching incentive this week for those who switch to either the Spend & Save or Spend & Save Plus account. Customers who switch using the CASS (Current Account Switch Service) can now receive £100 cashback following certain conditions. Adding to the account’s appeal, customers can also earn up to £15 per month in cashback when making 20 or more debit card transactions. The Spend & Save has no monthly account fee, and customers can also benefit from exclusive offers through the TSB Marketplace. However, it is important to note that there is no credit interest offered on balances, which some may wish to consider. As is the case when switching to any account, customers will need to assess all the benefits and charges to ensure it’s the right choice for them. Overall, the account earns an Outstanding Moneyfacts product rating.”
Key product details:
- Credit interest / reward: None
- Cashback on debit card purchases: Customers can earn up to £15 per month cashback in the first six months when making 20 or more debit card payments each month
- Account fee: None
- Arranged overdraft: 39.90% EAR, plus interest-free for three months on switched current accounts
- Opening account: Online, in branch or via mobile app
- Managing account: Online, in branch, by phone, via mobile app or at the Post Office
- Other information: Minimum applicant age 18. Eligible for linked Savings Pots. £100 free cash offer, using the Current Account Switch Service, customers must have logged into the TSB Mobile Banking App and made at least five debit card payments by 29 September 2025.
