Savings
UBL UK – 1 Year Fixed Rate Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“UBL UK has increased the rate on its 1 Year Fixed Rate cash ISA by 0.05%. Now paying 4.28% on maturity, it takes a joint market-leading position when compared to its peers. Savers looking to make the most of their tax-free earnings may find this an enticing deal. They will need to invest at least £2,000 and, while earlier access is permitted, it should be carefully considered as savers will be subject to account closure and 90 days’ loss of interest penalty. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.28% gross / 4.28% AER payable on maturity
- Notice / term: One year
- Minimum opening amount: £2,000
- Maximum investment amount: ISA allowance
- Access: Permitted on account closure only, subject to 90 days’ loss of interest
- Further additions: Permitted for 10 days from account opening
- Transfers in: Permitted. Accepts Cash ISAs
- Transfers out: Permitted, subject to 90-day loss of interest penalty
- Opening account: Online, via its mobile app, by post and in branch
- Managing account: Online, via its mobile app, by phone, by post and in branch
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within UBL UK’s range.
Mortgages
Barclays Mortgage – Five-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Barclays Mortgage has lowered a selection of its fixed rates by up to 0.30%. One deal to see a smaller 0.08% cut is the five-year deal at 95% loan-to-value. It is now priced at 4.71% until 31 December 2030. The competitive rate may certainly appeal to those with a limited deposit and, adding to its appeal, there are no product fees but there is a free valuation incentive. The cut in rate sees it jump to the top of its sector and earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.71% fixed rate to 31.12.30
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: First and second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-let
Leeds BS – Five-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Leeds BS has reduced a handful of its 60% loan-to-value fixed rates, alongside introducing new fees. The five-year option has seen a 0.21% cut and is now priced at 3.86% until 28 February 2031. Landlords will note that the deal now carries a £1,499 fee, however, incentives include a free valuation and those remortgaging will also receive help towards costs. The cut in rate is enough for it to secure a position as a Moneyfacts Best Buy and an ‘Outstanding’ product rating.”
Key product details:
- Rate: 3.86% fixed rate to 28.2.31
- Product fee: £1,499
- Maximum loan-to-value: 60%
- Available to: Second-time buyers and remortgage customers
- Incentives: Free valuation for all borrowers, and help towards costs for remortgage customers
- Flexible features: Allows overpayments
- Lending area: England, Wales, mainland Scotland and Northern Ireland.
Savings
UBL UK – 1 Year Fixed Rate Cash ISA
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“UBL UK has increased the rate on its 1 Year Fixed Rate cash ISA by 0.05%. Now paying 4.28% on maturity, it takes a joint market-leading position when compared to its peers. Savers looking to make the most of their tax-free earnings may find this an enticing deal. They will need to invest at least £2,000 and, while earlier access is permitted, it should be carefully considered as savers will be subject to account closure and 90 days’ loss of interest penalty. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.28% gross / 4.28% AER payable on maturity
- Notice / term: One year
- Minimum opening amount: £2,000
- Maximum investment amount: ISA allowance
- Access: Permitted on account closure only, subject to 90 days’ loss of interest
- Further additions: Permitted for 10 days from account opening
- Transfers in: Permitted. Accepts Cash ISAs
- Transfers out: Permitted, subject to 90-day loss of interest penalty
- Opening account: Online, via its mobile app, by post and in branch
- Managing account: Online, via its mobile app, by phone, by post and in branch
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within UBL UK’s range.
Mortgages
Barclays Mortgage – Five-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Barclays Mortgage has lowered a selection of its fixed rates by up to 0.30%. One deal to see a smaller 0.08% cut is the five-year deal at 95% loan-to-value. It is now priced at 4.71% until 31 December 2030. The competitive rate may certainly appeal to those with a limited deposit and, adding to its appeal, there are no product fees but there is a free valuation incentive. The cut in rate sees it jump to the top of its sector and earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 4.71% fixed rate to 31.12.30
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: First and second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-let
Leeds BS – Five-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:
“Leeds BS has reduced a handful of its 60% loan-to-value fixed rates, alongside introducing new fees. The five-year option has seen a 0.21% cut and is now priced at 3.86% until 28 February 2031. Landlords will note that the deal now carries a £1,499 fee, however, incentives include a free valuation and those remortgaging will also receive help towards costs. The cut in rate is enough for it to secure a position as a Moneyfacts Best Buy and an ‘Outstanding’ product rating.”
Key product details:
- Rate: 3.86% fixed rate to 28.2.31
- Product fee: £1,499
- Maximum loan-to-value: 60%
- Available to: Second-time buyers and remortgage customers
- Incentives: Free valuation for all borrowers, and help towards costs for remortgage customers
- Flexible features: Allows overpayments
- Lending area: England, Wales, mainland Scotland and Northern Ireland.
