Savings
Chip – Smart Cash ISA – A market-leading 4.82% AER
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“After several rate hikes this week against the competition, Chip has come out on top to lead the market for direct applications with its easy access cash ISA. The Smart Cash ISA pays 4.82% AER or 4.72% gross as monthly interest, which could entice savers looking to supplement their income and still needing to use their 2026/27 cash ISA allowance. This is a fuss-free account allowing unlimited withdrawals and is a great choice for savers who want to manage their money on the go, yet it does not allow transfers in. As the ISA includes a 12-month bonus, it would be wise for savers to make a diary note to review the deal when it expires. However, as an added bonus, savers might appreciate the core rate (3.45% gross) is guaranteed to track 0.30% below the Bank of England Base Rate, so they can benefit from any future rises. Overall, the deal earns an Excellent Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 4.72% gross / 4.82% AER payable monthly (including a 1.27% gross / 1.32% AER bonus for 12 months). The underlying gross rate is guaranteed to track 0.30% below Bank Base Rate.
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted, no interest paid for the month if account is closed or transferred out
- Further additions: Permitted
- Transfers in: Not permitted
- Transfers out: Permitted, no interest paid for the month if account is closed or transferred out
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18. Investors have the choice between holding a fee-free Chip subscription or paying a £5.99 fee per 28 days for a ChipX subscription. Flexible ISA rules apply.
OakNorth Bank – 24 Month Fixed Term Savings Account – A market-leading 5.21% AER
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“OakNorth Bank has grabbed a market-leading spot for a two-year fixed savings account, after a rate increase this week. Now paying 5.21% AER, the 24-Month Fixed Term Savings Account is a highly attractive return and may entice savers looking for a guaranteed return on their hard-earned cash. Two great aspects of this bond are its minimum investment of just £1 and that savers have 14 days to make further additions, so they don’t have to make a one-off large deposit on day one. The account is easy to open online or via its mobile app, earns an Excellent Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 5.21% gross / 5.21% AER payable on maturity
- Notice / term: Two year
- Minimum opening amount: £1
- Maximum investment amount: £500,000
- Access: Not permitted
- Further additions: Permitted, for 14 days from account opening via nominated account
- Opening account: Online and by its mobile app
- Managing account: Online and by its mobile app
- Other information: Minimum applicant age 18. Joint account option available.
Mortgages
Santander – Three-year fixed rate mortgage, 85% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Borrowers considering a fixed-rate mortgage may want to take note of this newly priced three-year fixed deal from Santander. Now priced at 5.17% at 85% loan-to-value, it can provide peace of mind for borrowers looking to secure their monthly mortgage repayments amid ongoing uncertainty surrounding the future path of interest rates. A free valuation incentive is included, and the £999 product fee can be added to the mortgage advance. In addition, borrowers will be given £250 in cashback, so all combined, this package may entice those looking to save on the upfront cost of their mortgage. The deal earns an Outstanding Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 5.17% fixed rate to 2.2.30
- Product fee: £999
- Maximum loan-to-value: 85%
- Available to: Second-time buyers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let
Lloyds Bank – Two-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Landlords looking for a competitive rate to lock in over the next two years may find the new deal from Lloyds Bank attractive. After a rate reduction this week, the two-year fixed deal is now priced at 5.45%. While it may not carry cost-saving incentives, it does not charge an upfront fee, so it is one of the top deals in its sector. Overall, the deal earns an Excellent Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 5.45% fixed rate to 28.2.29
- Product fee: None
- Maximum loan-to-value: 75%
- Available to: Second-time buyers
- Incentives: None
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Savings
Chip – Smart Cash ISA – A market-leading 4.82% AER
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“After several rate hikes this week against the competition, Chip has come out on top to lead the market for direct applications with its easy access cash ISA. The Smart Cash ISA pays 4.82% AER or 4.72% gross as monthly interest, which could entice savers looking to supplement their income and still needing to use their 2026/27 cash ISA allowance. This is a fuss-free account allowing unlimited withdrawals and is a great choice for savers who want to manage their money on the go, yet it does not allow transfers in. As the ISA includes a 12-month bonus, it would be wise for savers to make a diary note to review the deal when it expires. However, as an added bonus, savers might appreciate the core rate (3.45% gross) is guaranteed to track 0.30% below the Bank of England Base Rate, so they can benefit from any future rises. Overall, the deal earns an Excellent Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 4.72% gross / 4.82% AER payable monthly (including a 1.27% gross / 1.32% AER bonus for 12 months). The underlying gross rate is guaranteed to track 0.30% below Bank Base Rate.
- Notice / term: None
- Minimum opening amount: £1
- Maximum investment amount: ISA allowance
- Access: Permitted, no interest paid for the month if account is closed or transferred out
- Further additions: Permitted
- Transfers in: Not permitted
- Transfers out: Permitted, no interest paid for the month if account is closed or transferred out
- Opening account: Via its mobile app
- Managing account: Via its mobile app
- Other information: Minimum applicant age 18. Investors have the choice between holding a fee-free Chip subscription or paying a £5.99 fee per 28 days for a ChipX subscription. Flexible ISA rules apply.
OakNorth Bank – 24 Month Fixed Term Savings Account – A market-leading 5.21% AER
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“OakNorth Bank has grabbed a market-leading spot for a two-year fixed savings account, after a rate increase this week. Now paying 5.21% AER, the 24-Month Fixed Term Savings Account is a highly attractive return and may entice savers looking for a guaranteed return on their hard-earned cash. Two great aspects of this bond are its minimum investment of just £1 and that savers have 14 days to make further additions, so they don’t have to make a one-off large deposit on day one. The account is easy to open online or via its mobile app, earns an Excellent Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 5.21% gross / 5.21% AER payable on maturity
- Notice / term: Two year
- Minimum opening amount: £1
- Maximum investment amount: £500,000
- Access: Not permitted
- Further additions: Permitted, for 14 days from account opening via nominated account
- Opening account: Online and by its mobile app
- Managing account: Online and by its mobile app
- Other information: Minimum applicant age 18. Joint account option available.
Mortgages
Santander – Three-year fixed rate mortgage, 85% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Borrowers considering a fixed-rate mortgage may want to take note of this newly priced three-year fixed deal from Santander. Now priced at 5.17% at 85% loan-to-value, it can provide peace of mind for borrowers looking to secure their monthly mortgage repayments amid ongoing uncertainty surrounding the future path of interest rates. A free valuation incentive is included, and the £999 product fee can be added to the mortgage advance. In addition, borrowers will be given £250 in cashback, so all combined, this package may entice those looking to save on the upfront cost of their mortgage. The deal earns an Outstanding Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 5.17% fixed rate to 2.2.30
- Product fee: £999
- Maximum loan-to-value: 85%
- Available to: Second-time buyers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let
Lloyds Bank – Two-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Landlords looking for a competitive rate to lock in over the next two years may find the new deal from Lloyds Bank attractive. After a rate reduction this week, the two-year fixed deal is now priced at 5.45%. While it may not carry cost-saving incentives, it does not charge an upfront fee, so it is one of the top deals in its sector. Overall, the deal earns an Excellent Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 5.45% fixed rate to 28.2.29
- Product fee: None
- Maximum loan-to-value: 75%
- Available to: Second-time buyers
- Incentives: None
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
