Savings

Moneybox – Moneybox Cash ISA

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

“This week, Moneybox has increased the rate on its Moneybox Cash ISA by 0.14%. The deal takes the market-leading position when compared to its peers and now pays an attractive 4.52% AER monthly. However, this is inclusive of a significant 0.82% bonus for 12 months, so it is important that savers review their rate when it expires. It is important to note that if savers exceed three withdrawals the rate will drop significantly to just 0.75%. In more positive news, further additions are permitted at any time into the account and investors can choose to split their Cash ISA savings across multiple ISAs within Moneybox’s range. On assessment, this deal earns an Excellent Moneyfacts product rating.”

Key product details:

• Rate: 4.43% gross / 4.52% AER payable monthly (includes a 0.82% bonus for 12 months)
• Notice / term: None
• Minimum opening amount: £500
• Maximum investment amount: ISA allowance
• Access: Permitted. Lower rate of 0.75% gross/AER paid if more than three withdrawals made per 12-month period
• Further additions: Permitted
• Transfers in: Permitted. Accepts Cash, Stocks and Shares, Help to Buy and Innovative Finance ISAs
• Transfers out: Permitted
• Opening account: Online and via mobile app
• Managing account: Online and via mobile app
• Other information: Minimum applicant age 18. New customers only. Investors can choose to split their Cash ISA savings across multiple ISAs within Moneybox’s range.

Mortgages

TSB – Three-year fixed rate mortgage, 90% loan-to-value

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

“In its latest update, TSB has reduced selected fixed rates in its residential range by up to 0.10%. Its three-year deal at 90% for house purchase customers sees such a cut. It is now priced at 4.59% until 31 December 2028. Adding to its appeal, there is no payable arrangement fee, and it includes a generous incentive package of a free valuation and £500 cashback, making this an attractive option for borrowers looking to save on upfront costs. Overall, the deal grabs a position as a ‘Best Buy’ and earns an Outstanding Moneyfacts product rating.”

Key product details:

• Rate: 4.59% fixed rate to 31.12.28
• Product fee: None
• Maximum loan-to-value: 90%
• Available to: House purchase customers
• Incentives: Free valuation and £500 cashback
• Flexible features: Allows overpayments. Also payment holidays after one year, which are subject to approval
• Lending area: Great Britain.

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 reduced rates on all its fixed buy-to-let deals. The two-year option at 60% loan-to-value has seen a 0.14% drop and is now priced at 3.98% until 31 January 2028. Landlords looking for a competitive rate may find this appealing, as it also includes a reasonable £995 product fee and a free valuation incentive. However, it is worth noting that this deal is only available online. On assessment, the rate reduction improves its position as a Best Buy and earns an Outstanding Moneyfacts product rating.”

Key product details:

• Rate: 3.98% fixed rate to 31.1.28
• 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.