Savings
LHV Bank – 1 Year Fixed Rate Bond
Commenting on the deal, Caitlyn Eastell, Finance Expert at Moneyfactscompare.co.uk, said:
“LHV Bank has increased the rate on its 1 Year Fixed Rate Bond this week and now pays 4.45%. The rise sees it take a position as a market-leader. Savers looking for a guaranteed return in the short-term may find this an appealing option, but as is common with a fixed rate bond, earlier access and further additions are not permitted. On assessment, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.45% gross / 4.45% payable on maturity
- Notice / term: One year
- Minimum opening amount: £1,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Not permitted
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18.
Buy-to-Let
Skipton Building Society – Two-year variable tracker rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Skipton Building Society has made reductions across most of its range for landlords. The two-year variable tracker option for second-time buyers and remortgage customers has seen a small 0.02% cut and is now priced at 4.59%. The deal is available at 60% loan-to-value and landlords will note there is a reasonable £745 product fee. However, this is offset by its free valuation incentive, and remortgage customers can also receive free legal fees, which may help save on initial costs. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.59% variable tracker rate (collared at 3.00%) for two years
- Product fee: £745
- Maximum loan-to-value: 60%
- Available to: Second-time buyers and remortgage customers
- Incentives: Free valuation for all borrowers and free legal fees for remortgage customers
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Banking
Barclays Bank – Bank Account
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Consumers searching for a new banking provider may be pleased to see that the latest update from Barclays Bank sees it add a new switching incentive to its Bank Account and Premier Bank Account. Customers who switch to the Bank Account using the Current Account Switch Service (CASS) and sign up to Blue Rewards for £5 per month, will receive £200 cashback following certain eligibility conditions. Further adding to its appeal, there is a £15 interest-free buffer on arranged overdrafts. Consumers can benefit from a range of subscriptions, plus get access to exclusive savings accounts. 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, in branch, or via its mobile app
- Managing account: Online, by phone, in branch, via its 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. £200 for accounts opened and switched using the Current Account Switch Service via the Barclays app. Have a minimum of two Direct Debits, deposit £2,000 into the account and join Barclays Blue Rewards by 27.11.2025. T&Cs apply.
Cards
Santander – Everyday Long Term Balance Transfer Credit Card Mastercard
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from Santander sees an increase to the introductory balance term on its Everyday Long Term Balance Transfer Credit Card to 34 months. In addition, Santander also reduced the balance transfer fee to 3.15%. With these changes, it offers one of the most competitive balance transfer terms on the market and takes a prominent position in the market when compared against its peers. This card will likely be an attractive option for borrowers looking to transfer existing balances interest-free over a longer period. Further adding to its appeal, the card also offers 0% on purchases for three months in addition to offering a range of perks through Santander Boosts. 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 34 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 3.15%, minimum £5 fee, as an introductory charge during the introductory transfer period, falling to 3% (£5 min) thereafter
- Card fee: None
- Opening method: Online and in branch
- Card management: Online, by phone, by post, in branch and via its mobile app
- Other information: Minimum age 18. Minimum income £10,500. Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Customer must be signed to online and mobile banking to qualify.
Loans
M&S Bank – Unsecured Personal Loan
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week M&S Bank has reduced the rate on a selection of tiers on its Personal Loan, including the £7,500 to £25,000 tier. This rate reduction to 5.8% APR sees it hold the market-leading position and will make borrowing within these amounts cheaper for customers. Adding to its appeal, the loan allows overpayments to be made without an early repayment charge. Overall, the product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Representative APR: 5.8%
- 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 18. Minimum Applicant Income £10,000 per year. You may be offered an alternative APR dependent on credit rating.
Savings
LHV Bank – 1 Year Fixed Rate Bond
Commenting on the deal, Caitlyn Eastell, Finance Expert at Moneyfactscompare.co.uk, said:
“LHV Bank has increased the rate on its 1 Year Fixed Rate Bond this week and now pays 4.45%. The rise sees it take a position as a market-leader. Savers looking for a guaranteed return in the short-term may find this an appealing option, but as is common with a fixed rate bond, earlier access and further additions are not permitted. On assessment, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.45% gross / 4.45% payable on maturity
- Notice / term: One year
- Minimum opening amount: £1,000
- Maximum investment amount: £1 million
- Access: Not permitted
- Further additions: Not permitted
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18.
Buy-to-Let
Skipton Building Society – Two-year variable tracker rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week, Skipton Building Society has made reductions across most of its range for landlords. The two-year variable tracker option for second-time buyers and remortgage customers has seen a small 0.02% cut and is now priced at 4.59%. The deal is available at 60% loan-to-value and landlords will note there is a reasonable £745 product fee. However, this is offset by its free valuation incentive, and remortgage customers can also receive free legal fees, which may help save on initial costs. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.59% variable tracker rate (collared at 3.00%) for two years
- Product fee: £745
- Maximum loan-to-value: 60%
- Available to: Second-time buyers and remortgage customers
- Incentives: Free valuation for all borrowers and free legal fees for remortgage customers
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Banking
Barclays Bank – Bank Account
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Consumers searching for a new banking provider may be pleased to see that the latest update from Barclays Bank sees it add a new switching incentive to its Bank Account and Premier Bank Account. Customers who switch to the Bank Account using the Current Account Switch Service (CASS) and sign up to Blue Rewards for £5 per month, will receive £200 cashback following certain eligibility conditions. Further adding to its appeal, there is a £15 interest-free buffer on arranged overdrafts. Consumers can benefit from a range of subscriptions, plus get access to exclusive savings accounts. 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, in branch, or via its mobile app
- Managing account: Online, by phone, in branch, via its 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. £200 for accounts opened and switched using the Current Account Switch Service via the Barclays app. Have a minimum of two Direct Debits, deposit £2,000 into the account and join Barclays Blue Rewards by 27.11.2025. T&Cs apply.
Cards
Santander – Everyday Long Term Balance Transfer Credit Card Mastercard
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from Santander sees an increase to the introductory balance term on its Everyday Long Term Balance Transfer Credit Card to 34 months. In addition, Santander also reduced the balance transfer fee to 3.15%. With these changes, it offers one of the most competitive balance transfer terms on the market and takes a prominent position in the market when compared against its peers. This card will likely be an attractive option for borrowers looking to transfer existing balances interest-free over a longer period. Further adding to its appeal, the card also offers 0% on purchases for three months in addition to offering a range of perks through Santander Boosts. 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 34 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 3.15%, minimum £5 fee, as an introductory charge during the introductory transfer period, falling to 3% (£5 min) thereafter
- Card fee: None
- Opening method: Online and in branch
- Card management: Online, by phone, by post, in branch and via its mobile app
- Other information: Minimum age 18. Minimum income £10,500. Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Customer must be signed to online and mobile banking to qualify.
Loans
M&S Bank – Unsecured Personal Loan
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week M&S Bank has reduced the rate on a selection of tiers on its Personal Loan, including the £7,500 to £25,000 tier. This rate reduction to 5.8% APR sees it hold the market-leading position and will make borrowing within these amounts cheaper for customers. Adding to its appeal, the loan allows overpayments to be made without an early repayment charge. Overall, the product earns an Outstanding Moneyfacts product rating.”
Key product details:
- Representative APR: 5.8%
- 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 18. Minimum Applicant Income £10,000 per year. You may be offered an alternative APR dependent on credit rating.
