Savings
West Brom Building Society – Triple Access Saver (Issue 1)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“West Brom Building Society has increased selected rates on its Triple Access Saver. Now paying 4.55% AER yearly or monthly, this boost improves its position in the top tables when compared against its peers. 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, savers should be aware that although withdrawals are permitted at any time, they are only allowed three penalty-free withdrawals per account year, and savers could see their rate drop significantly to 1.65% 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 1.65% gross/AER yearly or 1.64% gross / 1.65% AER monthly paid if more than three withdrawals made per account year (1 May to 30 April)
- Further additions: Permitted
- Opening account: Online
- Managing account: Online
- Other information: Joint account option available. Matures on 31.1.27 into a limited access account.
Mortgages
HSBC – Five-year fixed rate mortgage, 90% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“House purchase customers with a limited deposit and seeking a competitive deal with reasonable upfront costs may find this latest fixed rate deal from HSBC an attractive choice. The five-year fixed rate mortgage at 90% loan-to-value has seen a small 0.03% cut this week and now charges 4.32% until 28 February 2031. The deal continues to charge a reasonable £999 fee, but adding to its appeal borrowers will receive a free valuation and £350 cashback incentive. On assessment this offering earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.32% fixed rate to 28.2.31
- Product fee: £999
- Maximum loan-to-value: 90%
- Available to: House purchase customers
- Incentives: Free valuation and £350 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-let
TSB – Five-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from TSB sees it reduce selected fixed rate mortgages by up to 0.05%. One deal to see such a cut is the five-year offering for house purchase customers, it is now priced at 4.19% until 31 January 2031. Landlords searching for a competitive deal may find this enticing as it charges a reasonable £995 fee, which is offset by a free valuation incentive. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.19% fixed rate to 31.1.31
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: Second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Cards
Barclaycard – Platinum 24 Month BT and 21 Month Purchase Visa
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Barclaycard has increased the introductory balance and purchase terms on its previously named Platinum 22 Month BT and 19 Month Purchase card to 24 months and 21 months respectively. These term increases see it take a very competitive position when compared to similar credit cards. The deal will give borrowers longer to pay off existing balances and cover any large or unexpected purchases. It is worth noting that balance transfers must be made within the first 60 days. Adding to the card’s appeal, 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 21 months
- Introductory rate for balance transfers: 0% for 24 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 3.45% 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 £20,000 per year. 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.
Banking
LHV Bank – LHV Current Account
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week LHV Bank has launched a new Current Account offering customers 4% AER on balances up to £1 million. This rate is guaranteed to follow the Bank of England Base Rate until 1 January 2027. Adding to its appeal, the account does not charge a monthly fee, and customers can also benefit from paying no foreign transaction fees. However, it should be noted that this account does not offer an overdraft. Overall, the account earns an Excellent Moneyfacts product rating.”
Key product details:
- Credit interest / reward: 3.93% gross / 4.00% AER monthly on balances up to £1 million. 0% paid on portion of balance over £1 million.
- Cashback on debit card purchases: None
- Account fee: None
- Arranged overdraft: None
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18.
Santander – Everyday Current Account
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Customers looking to switch current account providers may be pleased to see that Santander has introduced a generous £200 cashback incentive on its Everyday Current Account, for those who switch using the Current Account Switch Service (CASS). The account does not charge a monthly fee and further adding to its appeal switchers can receive an interest-free arranged overdraft for four months, which then reverts to 39.94%, which should be noted. Consumers can also sign up to Santander Boosts and receive cashback, vouchers, offers and prize draws. On assessment, the account earns an Excellent Moneyfacts product rating.”
Key product details:
- Credit interest / reward: None
- Account fee: None
- Arranged overdraft: 39.94% EAR. 0% for the first four months when switching.
- Opening account: Online, by phone, in branch, and via its mobile app
- Managing account: Online, by phone, in branch, by post, in the post office and via its mobile app
- Other information: Minimum applicant age 18. Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Customer must be signed up to online and mobile banking to qualify. £200 free cash offer, using the Current Account Switch Service for new accounts provided at least £1,500 credited and two active direct debits within 60 days of request. Terms & Conditions apply.
Savings
West Brom Building Society – Triple Access Saver (Issue 1)
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“West Brom Building Society has increased selected rates on its Triple Access Saver. Now paying 4.55% AER yearly or monthly, this boost improves its position in the top tables when compared against its peers. 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, savers should be aware that although withdrawals are permitted at any time, they are only allowed three penalty-free withdrawals per account year, and savers could see their rate drop significantly to 1.65% 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 1.65% gross/AER yearly or 1.64% gross / 1.65% AER monthly paid if more than three withdrawals made per account year (1 May to 30 April)
- Further additions: Permitted
- Opening account: Online
- Managing account: Online
- Other information: Joint account option available. Matures on 31.1.27 into a limited access account.
Mortgages
HSBC – Five-year fixed rate mortgage, 90% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“House purchase customers with a limited deposit and seeking a competitive deal with reasonable upfront costs may find this latest fixed rate deal from HSBC an attractive choice. The five-year fixed rate mortgage at 90% loan-to-value has seen a small 0.03% cut this week and now charges 4.32% until 28 February 2031. The deal continues to charge a reasonable £999 fee, but adding to its appeal borrowers will receive a free valuation and £350 cashback incentive. On assessment this offering earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.32% fixed rate to 28.2.31
- Product fee: £999
- Maximum loan-to-value: 90%
- Available to: House purchase customers
- Incentives: Free valuation and £350 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-let
TSB – Five-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“The latest update from TSB sees it reduce selected fixed rate mortgages by up to 0.05%. One deal to see such a cut is the five-year offering for house purchase customers, it is now priced at 4.19% until 31 January 2031. Landlords searching for a competitive deal may find this enticing as it charges a reasonable £995 fee, which is offset by a free valuation incentive. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.19% fixed rate to 31.1.31
- Product fee: £995
- Maximum loan-to-value: 75%
- Available to: Second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Cards
Barclaycard – Platinum 24 Month BT and 21 Month Purchase Visa
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week Barclaycard has increased the introductory balance and purchase terms on its previously named Platinum 22 Month BT and 19 Month Purchase card to 24 months and 21 months respectively. These term increases see it take a very competitive position when compared to similar credit cards. The deal will give borrowers longer to pay off existing balances and cover any large or unexpected purchases. It is worth noting that balance transfers must be made within the first 60 days. Adding to the card’s appeal, 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 21 months
- Introductory rate for balance transfers: 0% for 24 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 3.45% 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 £20,000 per year. 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.
Banking
LHV Bank – LHV Current Account
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“This week LHV Bank has launched a new Current Account offering customers 4% AER on balances up to £1 million. This rate is guaranteed to follow the Bank of England Base Rate until 1 January 2027. Adding to its appeal, the account does not charge a monthly fee, and customers can also benefit from paying no foreign transaction fees. However, it should be noted that this account does not offer an overdraft. Overall, the account earns an Excellent Moneyfacts product rating.”
Key product details:
- Credit interest / reward: 3.93% gross / 4.00% AER monthly on balances up to £1 million. 0% paid on portion of balance over £1 million.
- Cashback on debit card purchases: None
- Account fee: None
- Arranged overdraft: None
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18.
Santander – Everyday Current Account
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Customers looking to switch current account providers may be pleased to see that Santander has introduced a generous £200 cashback incentive on its Everyday Current Account, for those who switch using the Current Account Switch Service (CASS). The account does not charge a monthly fee and further adding to its appeal switchers can receive an interest-free arranged overdraft for four months, which then reverts to 39.94%, which should be noted. Consumers can also sign up to Santander Boosts and receive cashback, vouchers, offers and prize draws. On assessment, the account earns an Excellent Moneyfacts product rating.”
Key product details:
- Credit interest / reward: None
- Account fee: None
- Arranged overdraft: 39.94% EAR. 0% for the first four months when switching.
- Opening account: Online, by phone, in branch, and via its mobile app
- Managing account: Online, by phone, in branch, by post, in the post office and via its mobile app
- Other information: Minimum applicant age 18. Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Customer must be signed up to online and mobile banking to qualify. £200 free cash offer, using the Current Account Switch Service for new accounts provided at least £1,500 credited and two active direct debits within 60 days of request. Terms & Conditions apply.
