Savings
Close Brothers Savings – 5 Year Fixed Rate Cash ISA
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“Close Brothers Savings has increased the rates across a selection of its Fixed Rate Cash ISAs. The five-year option is one that fares best and now pays a market-leading 4.25%. Savers will need to deposit at least £10,000 but further additions are permitted for 10 days from the account opening which may be a bonus for some. Although earlier access is permitted, savers should consider any withdrawals carefully as they will be hit with 365 days’ loss of interest and the closure of the account. This deal may be an enticing option for those wanting to win against falling rates and maximise their tax-free savings over the next five years. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.25% gross / 4.25% AER payable yearly
- Notice / term: Five years
- Minimum opening amount: £10,000
- Maximum investment amount: £2 million
- Access: Permitted, on account closure and subject to a 365-day loss of interest penalty
- Further additions: Permitted, for 10 days from account opening
- Transfers in: Permitted, allows Cash and Stocks and Shares ISAs. Transfer instructions must be received within 10 days of account opening
- Transfers out: Permitted, subject to a 365-day loss of interest penalty and closure of the account
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Close Brothers Savings’ range.
Mortgages
Barclays Mortgage – Two-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“The latest update from Barclays Mortgage sees a mixed bag of fixed rate increases and reductions. One deal which saw the largest cut, 0.32%, is the two-year fixed rate at 95% loan-to-value which is now priced at 4.60% until 30 June 2028. This may be an ideal option for borrowers with a limited deposit and looking to save on upfront costs as it doesn’t have any product fees attached and it also comes with a free valuation incentive. When assessed as a whole, this deal takes a position as a Moneyfacts ‘Best Buy’ for first-time buyers and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.60% fixed rate to 30.6.28
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let
NatWest – Five-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“NatWest has reduced selected fixed rate mortgages by up to 0.12% this week. One deal to see a slightly smaller 0.07% cut is the five-year option at 60% loan-to-value. Now priced at 3.99% until 31 May 2031, it has a reasonable £995 fee attached which is offset by its free valuation incentive, so this may appeal to borrowers looking to keep costs low. However, this deal is only available online which some may want to consider. On assessment, the move strengthens its appeal and earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.99% fixed rate to 31.5.31
- 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.
Cards
TSB – Platinum Purchase Card Mastercard
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“The latest update from TSB sees an increase to the 0% introductory purchase term on its Platinum Purchase Card to 26 months. This deal may be a good option for borrowers planning to make a big purchase as the term increase means this card now offers the longest interest-free purchase term in the market. Further adding to its appeal, the deal also offers 0% on balance transfers for 18 months for those who may need to transfer existing debt. However, it is worth noting that the standard rate for purchases is 24.9% APR, so some borrowers may wish to consider making their payments before their introductory period ends. On assessment, the card grabs a position as a Moneyfacts ‘Best Buy’ and earns an Outstanding Moneyfacts product rating.”
Key product details:
- Introductory rate for purchases: 0% for 26 months
- Introductory rate for balance transfers: 0% for 18 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 3.49% as an introductory charge during the first three months from account opening, rising to 5.00% (no min) thereafter.
- Card fee: None
- Opening method: Online and in branch
- Card management: Online, by phone, in branch and via its mobile app
- Other information: Minimum age 18.
Banking
NatWest – Reward Current Account
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“This week, NatWest has added a new switching offer to its Reward and Select Accounts, offering customers an attractive £150. Customers must switch using the Current Account Switch Service (CASS) and meet certain criteria. The account charges a £2 monthly fee, but adding to its appeal customers can earn up to £5 in rewards per month with the Reward account. Anyone considering switching providers or current accounts should ensure that they will use all the benefits to avoid overpaying. Overall, the account earns an Outstanding product rating.”
Key product details:
- Credit interest / reward: None
- Cashback on debit card purchases: None
- Account fee: £2 per month
- Arranged overdraft: 39.49% EAR
- Opening account: Online, by phone or in branch
- Managing account: Online, in branch, by phone, by post, via mobile app and at the Post Office
- Other information: Minimum applicant age 18. £150 free cash offer, using the Current Account Switch Service by 28.5.26, must deposit £1,250 and log in to mobile banking app within 60 days of switching. Customers can earn up to £5 a month in rewards. Earn at least 1% Rewards on qualifying purchases at selected retailers which can be converted to cashback, trade up vouchers or donated to charity. Earn four Rewards per month by making a minimum of two direct debit payments of at least £2 each. Earn an additional one Reward by logging into mobile banking app every month. Once five Rewards are available, they can be exchanged for a £5 current account credit, traded up for Reward vouchers at selected retailers or donated to a participating charity.
Savings
Close Brothers Savings – 5 Year Fixed Rate Cash ISA
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“Close Brothers Savings has increased the rates across a selection of its Fixed Rate Cash ISAs. The five-year option is one that fares best and now pays a market-leading 4.25%. Savers will need to deposit at least £10,000 but further additions are permitted for 10 days from the account opening which may be a bonus for some. Although earlier access is permitted, savers should consider any withdrawals carefully as they will be hit with 365 days’ loss of interest and the closure of the account. This deal may be an enticing option for those wanting to win against falling rates and maximise their tax-free savings over the next five years. Overall, the deal earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.25% gross / 4.25% AER payable yearly
- Notice / term: Five years
- Minimum opening amount: £10,000
- Maximum investment amount: £2 million
- Access: Permitted, on account closure and subject to a 365-day loss of interest penalty
- Further additions: Permitted, for 10 days from account opening
- Transfers in: Permitted, allows Cash and Stocks and Shares ISAs. Transfer instructions must be received within 10 days of account opening
- Transfers out: Permitted, subject to a 365-day loss of interest penalty and closure of the account
- Opening account: Online
- Managing account: Online, by phone and by post
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Close Brothers Savings’ range.
Mortgages
Barclays Mortgage – Two-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“The latest update from Barclays Mortgage sees a mixed bag of fixed rate increases and reductions. One deal which saw the largest cut, 0.32%, is the two-year fixed rate at 95% loan-to-value which is now priced at 4.60% until 30 June 2028. This may be an ideal option for borrowers with a limited deposit and looking to save on upfront costs as it doesn’t have any product fees attached and it also comes with a free valuation incentive. When assessed as a whole, this deal takes a position as a Moneyfacts ‘Best Buy’ for first-time buyers and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.60% fixed rate to 30.6.28
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let
NatWest – Five-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“NatWest has reduced selected fixed rate mortgages by up to 0.12% this week. One deal to see a slightly smaller 0.07% cut is the five-year option at 60% loan-to-value. Now priced at 3.99% until 31 May 2031, it has a reasonable £995 fee attached which is offset by its free valuation incentive, so this may appeal to borrowers looking to keep costs low. However, this deal is only available online which some may want to consider. On assessment, the move strengthens its appeal and earns an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.99% fixed rate to 31.5.31
- 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.
Cards
TSB – Platinum Purchase Card Mastercard
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“The latest update from TSB sees an increase to the 0% introductory purchase term on its Platinum Purchase Card to 26 months. This deal may be a good option for borrowers planning to make a big purchase as the term increase means this card now offers the longest interest-free purchase term in the market. Further adding to its appeal, the deal also offers 0% on balance transfers for 18 months for those who may need to transfer existing debt. However, it is worth noting that the standard rate for purchases is 24.9% APR, so some borrowers may wish to consider making their payments before their introductory period ends. On assessment, the card grabs a position as a Moneyfacts ‘Best Buy’ and earns an Outstanding Moneyfacts product rating.”
Key product details:
- Introductory rate for purchases: 0% for 26 months
- Introductory rate for balance transfers: 0% for 18 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 3.49% as an introductory charge during the first three months from account opening, rising to 5.00% (no min) thereafter.
- Card fee: None
- Opening method: Online and in branch
- Card management: Online, by phone, in branch and via its mobile app
- Other information: Minimum age 18.
Banking
NatWest – Reward Current Account
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“This week, NatWest has added a new switching offer to its Reward and Select Accounts, offering customers an attractive £150. Customers must switch using the Current Account Switch Service (CASS) and meet certain criteria. The account charges a £2 monthly fee, but adding to its appeal customers can earn up to £5 in rewards per month with the Reward account. Anyone considering switching providers or current accounts should ensure that they will use all the benefits to avoid overpaying. Overall, the account earns an Outstanding product rating.”
Key product details:
- Credit interest / reward: None
- Cashback on debit card purchases: None
- Account fee: £2 per month
- Arranged overdraft: 39.49% EAR
- Opening account: Online, by phone or in branch
- Managing account: Online, in branch, by phone, by post, via mobile app and at the Post Office
- Other information: Minimum applicant age 18. £150 free cash offer, using the Current Account Switch Service by 28.5.26, must deposit £1,250 and log in to mobile banking app within 60 days of switching. Customers can earn up to £5 a month in rewards. Earn at least 1% Rewards on qualifying purchases at selected retailers which can be converted to cashback, trade up vouchers or donated to charity. Earn four Rewards per month by making a minimum of two direct debit payments of at least £2 each. Earn an additional one Reward by logging into mobile banking app every month. Once five Rewards are available, they can be exchanged for a £5 current account credit, traded up for Reward vouchers at selected retailers or donated to a participating charity.
