Savings
Plum – Plum Cash ISA
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“This week Plum has increased selected rates on its Plum Cash ISA and now pays 4.42% AER. The account takes the market-leading position in our best buy charts and savers can invest as little as £1. However, it is important to note that this rate applies to new money only and is inclusive of a 1.88% AER bonus, so it’s crucial that savers review their rate after 12 months once it expires. Adding to its appeal, savers have unlimited withdrawals making it ideal for those who may need to dip into their deposits frequently. Further additions are also permitted. Overall, this deal takes a position as a Moneyfacts ‘Best Buy’ and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.38% gross / 4.42% AER paid monthly (new money only, includes 1.86% gross / 1.88% AER bonus for 12 months, paid to the account on the first anniversary from opening)
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted, minimum withdrawal £1
- Further additions: Permitted, minimum addition £1
- Transfers in: Permitted, accepts Cash ISAs, Stocks & Shares ISAs, Help to Buy ISAs, Lifetime ISAs, Innovative Finance ISAs, and Stocks & Shares LISAs. Bonus rate not applicable if opened via transfer of an existing ISA
- Transfers out: Permitted
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18. Operated by Citibank UK Limited. Bonus rate only applicable if not opened via transferring an existing ISA. Investors can choose to split their Cash ISA savings across multiple ISAs within Plum’s range.
Mortgages
Yorkshire Building Society – Two-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“House purchase customers seeking a competitive deal with reasonable upfront costs may find this latest fixed rate deal from Yorkshire Building Society an attractive choice. The two-year fixed rate mortgage at 80% loan-to-value has been repriced to 3.69% until 30 June 2028. Borrowers can benefit from a free valuation incentive, which offsets the deal’s £995 fee. Adding to its appeal, overpayments are permitted, as well as underpayments and payment holidays subject to conditions, which can give borrowers flexibility when needed. The reduction in rate plus its incentive earns this deal an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.69% fixed rate to 30.6.28
- Product fee: £995
- Maximum loan-to-value: 80%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments. Underpayments and payment holidays considered, not to exceed level of overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let
NatWest – Two-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 0.24% this week. One deal to see a notable 0.20% cut is the two-year option at 60% loan-to-value. Now priced at 4.08% until 31 May 2028, it may be an attractive option for borrowers looking to save on upfront costs as there are no product fees and a free valuation incentive which adds to its appeal. 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: 4.08% fixed rate to 31.5.28
- Product fee: None
- 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
Barclaycard – Platinum 36 Month Balance Transfer Visa
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“The latest update from Barclaycard sees it reduce the introductory balance transfer fee to 3.15% on its Platinum 36 Month Balance Transfer Card, making it an attractive option for borrowers looking to transfer debt at a lower cost. Adding to its appeal, the deal offers one of the longest balance transfer terms on the market and borrowers can also benefit from 0% introductory rate on purchases for the first three months, which can help with any unexpected spending. It is worth noting that transfers must be made within the first 60 days. Furthermore, 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 three months
- Introductory rate for balance transfers: 0% for 36 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 3.15% 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 £20,000pa. 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 at selected retailers with Barclaycard Cashback Rewards.
Banking
Lloyds Bank – Club Lloyds
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“This week Lloyds Bank introduced a new £200 switch incentive to its Club Lloyds account. Consumers will need to switch using the Current Account Switch Service and meet certain conditions. The Club Lloyds account pays up to 3% on balances, which is a bonus for consumers with larger balances, but it should be noted that no interest is paid on balances exceeding £5,000. Although there is a monthly £5 fee, this is quickly offset by its range of lifestyle benefits and lucrative cashback offers, additionally this fee is waived for those crediting more than £2,000. Further adding to its appeal, consumers will get a £100 interest-free buffer on their overdraft, and it is also interest-free for the first three months on switched accounts, but the rate rises to 29.90% EAR thereafter. Overall, the account earns an Outstanding Moneyfacts product rating.”
Key product details:
- Credit interest / reward: 1.49% gross / 1.50% AER per annum on balances up to £4,000, 2.96% gross / 3.00% AER on balances between £4,000 - £5,000. No interest paid on balances over £5,000.
- Cashback on debit card purchases: Everyday offers – Earn up to 15% cashback from selected retailers when shopping with a Lloyds Bank credit or debit card. Customers must be registered for online banking and hold a Lloyds Bank current account to be eligible
- Account fee: £5. Account fee waived if account credited with at least £2,000 per month
- Arranged overdraft: 29.90% EAR, plus £100 interest-free buffer. Interest-free for three months on switched current accounts
- Opening account: Online, by phone, in branch or mobile app
- Managing account: Online, by phone, in branch, mobile app, by post, at the Post Office and text alerts
- Other information: Minimum applicant age 18. £200 cashback for accounts switched using the Current Account Switch Service, must transfer three direct debits by 30.4.26, must spend £100 on debit card within 35 days of account opening, previous account must be closed. Eligible for linked Savings Pots. Customers can choose one lifestyle benefit each year from a 12-month Disney+ subscription, cinema tickets, magazine subscription, Gourmet Society membership or digital movie rentals.
Loans
Tesco Bank – Unsecured Personal Loan
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“The latest update from Tesco Bank sees it reduce the rates on the £7,500 to £25,000 tiers across its Personal Loan and Clubcard Personal Loan products. The deal is now priced at 6.1%, the reduction in rate will make borrowing cheaper for consumers between these amounts. Adding to its appeal, the Personal Loan permits overpayments without incurring an early repayment charge. Before agreeing, it is crucial that borrowers understand all terms and charges. On assessment, the product earns an Excellent Moneyfacts product rating.”
Key product details:
- Representative APR: 6.1%
- 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. You may be offered an alternative APR dependent on credit rating.
Savings
Plum – Plum Cash ISA
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“This week Plum has increased selected rates on its Plum Cash ISA and now pays 4.42% AER. The account takes the market-leading position in our best buy charts and savers can invest as little as £1. However, it is important to note that this rate applies to new money only and is inclusive of a 1.88% AER bonus, so it’s crucial that savers review their rate after 12 months once it expires. Adding to its appeal, savers have unlimited withdrawals making it ideal for those who may need to dip into their deposits frequently. Further additions are also permitted. Overall, this deal takes a position as a Moneyfacts ‘Best Buy’ and earns an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.38% gross / 4.42% AER paid monthly (new money only, includes 1.86% gross / 1.88% AER bonus for 12 months, paid to the account on the first anniversary from opening)
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted, minimum withdrawal £1
- Further additions: Permitted, minimum addition £1
- Transfers in: Permitted, accepts Cash ISAs, Stocks & Shares ISAs, Help to Buy ISAs, Lifetime ISAs, Innovative Finance ISAs, and Stocks & Shares LISAs. Bonus rate not applicable if opened via transfer of an existing ISA
- Transfers out: Permitted
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18. Operated by Citibank UK Limited. Bonus rate only applicable if not opened via transferring an existing ISA. Investors can choose to split their Cash ISA savings across multiple ISAs within Plum’s range.
Mortgages
Yorkshire Building Society – Two-year fixed rate mortgage, 80% loan-to-value
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“House purchase customers seeking a competitive deal with reasonable upfront costs may find this latest fixed rate deal from Yorkshire Building Society an attractive choice. The two-year fixed rate mortgage at 80% loan-to-value has been repriced to 3.69% until 30 June 2028. Borrowers can benefit from a free valuation incentive, which offsets the deal’s £995 fee. Adding to its appeal, overpayments are permitted, as well as underpayments and payment holidays subject to conditions, which can give borrowers flexibility when needed. The reduction in rate plus its incentive earns this deal an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 3.69% fixed rate to 30.6.28
- Product fee: £995
- Maximum loan-to-value: 80%
- Available to: House purchase customers
- Incentives: Free valuation
- Flexible features: Allows overpayments. Underpayments and payment holidays considered, not to exceed level of overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let
NatWest – Two-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 0.24% this week. One deal to see a notable 0.20% cut is the two-year option at 60% loan-to-value. Now priced at 4.08% until 31 May 2028, it may be an attractive option for borrowers looking to save on upfront costs as there are no product fees and a free valuation incentive which adds to its appeal. 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: 4.08% fixed rate to 31.5.28
- Product fee: None
- 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
Barclaycard – Platinum 36 Month Balance Transfer Visa
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“The latest update from Barclaycard sees it reduce the introductory balance transfer fee to 3.15% on its Platinum 36 Month Balance Transfer Card, making it an attractive option for borrowers looking to transfer debt at a lower cost. Adding to its appeal, the deal offers one of the longest balance transfer terms on the market and borrowers can also benefit from 0% introductory rate on purchases for the first three months, which can help with any unexpected spending. It is worth noting that transfers must be made within the first 60 days. Furthermore, 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 three months
- Introductory rate for balance transfers: 0% for 36 months
- Standard rate for purchases: 24.9% APR
- Balance transfer fee: 3.15% 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 £20,000pa. 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 at selected retailers with Barclaycard Cashback Rewards.
Banking
Lloyds Bank – Club Lloyds
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“This week Lloyds Bank introduced a new £200 switch incentive to its Club Lloyds account. Consumers will need to switch using the Current Account Switch Service and meet certain conditions. The Club Lloyds account pays up to 3% on balances, which is a bonus for consumers with larger balances, but it should be noted that no interest is paid on balances exceeding £5,000. Although there is a monthly £5 fee, this is quickly offset by its range of lifestyle benefits and lucrative cashback offers, additionally this fee is waived for those crediting more than £2,000. Further adding to its appeal, consumers will get a £100 interest-free buffer on their overdraft, and it is also interest-free for the first three months on switched accounts, but the rate rises to 29.90% EAR thereafter. Overall, the account earns an Outstanding Moneyfacts product rating.”
Key product details:
- Credit interest / reward: 1.49% gross / 1.50% AER per annum on balances up to £4,000, 2.96% gross / 3.00% AER on balances between £4,000 - £5,000. No interest paid on balances over £5,000.
- Cashback on debit card purchases: Everyday offers – Earn up to 15% cashback from selected retailers when shopping with a Lloyds Bank credit or debit card. Customers must be registered for online banking and hold a Lloyds Bank current account to be eligible
- Account fee: £5. Account fee waived if account credited with at least £2,000 per month
- Arranged overdraft: 29.90% EAR, plus £100 interest-free buffer. Interest-free for three months on switched current accounts
- Opening account: Online, by phone, in branch or mobile app
- Managing account: Online, by phone, in branch, mobile app, by post, at the Post Office and text alerts
- Other information: Minimum applicant age 18. £200 cashback for accounts switched using the Current Account Switch Service, must transfer three direct debits by 30.4.26, must spend £100 on debit card within 35 days of account opening, previous account must be closed. Eligible for linked Savings Pots. Customers can choose one lifestyle benefit each year from a 12-month Disney+ subscription, cinema tickets, magazine subscription, Gourmet Society membership or digital movie rentals.
Loans
Tesco Bank – Unsecured Personal Loan
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“The latest update from Tesco Bank sees it reduce the rates on the £7,500 to £25,000 tiers across its Personal Loan and Clubcard Personal Loan products. The deal is now priced at 6.1%, the reduction in rate will make borrowing cheaper for consumers between these amounts. Adding to its appeal, the Personal Loan permits overpayments without incurring an early repayment charge. Before agreeing, it is crucial that borrowers understand all terms and charges. On assessment, the product earns an Excellent Moneyfacts product rating.”
Key product details:
- Representative APR: 6.1%
- 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. You may be offered an alternative APR dependent on credit rating.
