Moneyfacts Pick of the Week - 27/11/2025

Adam French, Head of News & Communications 01603 476154 Email Adam

Moneyfacts Pick of the Week

The Moneyfactscompare.co.uk Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.

Brief product details, together with independent Moneyfacts analysis, can be used with confidence in your finance sections. You can select one or two products to sit beside a relevant story or use them all as a general feature provided they are sourced to our spokesperson at Moneyfactscompare.co.uk.

This week, our Head of News, Adam French has analysed the following deals, along with their perks, of note:

Moneyfacts Pick of the Week

The Moneyfactscompare.co.uk Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.

Brief product details, together with independent Moneyfacts analysis, can be used with confidence in your finance sections. You can select one or two products to sit beside a relevant story or use them all as a general feature provided they are sourced to our spokesperson at Moneyfactscompare.co.uk.

This week, our Head of News, Adam French has analysed the following deals, along with their perks, of note:

Savings

Castle Trust Bank - 3 Year Fixed Rate e-Cash ISA

Commenting on the deal, Adam French, Head of News at Moneyfactscompare.co.uk, said:

“Castle Trust Bank has increased the return on its 3 Year Fixed Rate e-Cash ISA, and it is now a market-leading rate of 4.16% AER. The return is comfortably above current inflation forecasts making it ideal for those with at least £1,000 to save and looking for risk-free guaranteed real returns that aren’t liable for tax. Savers also benefit from a little flexibility as they can make additional deposits for up to 14 days from account opening.”

Key product details:

Rate: 4.16% gross / 4.16% AER payable on maturity
Notice / term: Three year
Minimum opening amount: £1,000
Maximum investment amount: £500k
Access: Earlier access on closure only subject to 270-day loss of interest
Further additions: Permitted for 14 days from account opening
Transfers in: Permitted. Accepts cash and stocks and shares ISAs
Transfers out: Permitted, subject to 270-day loss of interest penalty
Opening account: Online and via its mobile app
Managing account: Online, and via its mobile app
Other information: Minimum applicant age 18. Investors can choose to split their cash ISA savings across multiple ISAs within Castle Trust Bank’s range. A transfer out penalty may be applied. Castle Trust Bank will plant a tree when an e-Cash ISA is opened and funded within the 14-day funding window.

Tembo Money - 1-year Tembo Cash ISA – Fixed Rate

Commenting on the deal, Adam French, Head of News at Moneyfactscompare.co.uk, said:

“Tembo Money has increased the rate on its 1-year Tembo Cash ISA - Fixed Rate. Now paying 4.30% AER, a market-leading rate when compared against other fixed rate ISAs with similar terms currently available. It requires a minimum £500 deposit and pays interest on maturity. Savers can benefit from some flexibility with earlier access permitted, but subject to a 90-day loss of interest penalty.”

Key product details:

Rate: 4.30% gross / 4.30% AER payable on maturity
Notice / term: One year
Minimum opening amount: £500
Maximum investment amount: ISA allowance
Access: Permitted subject to 90 days’ loss of interest
Further additions: Permitted
Transfers in: Permitted. Accepts cash and stocks and shares ISAs
Transfers out: Permitted, subject to 90-day loss of interest penalty
Opening account: Via its mobile app
Managing account: Via its mobile app
Other information: Minimum applicant age 18. Investors can choose to split their cash ISA savings across multiple ISAs within Tembo’s range. A transfer out penalty may be applied.

Mortgages

TSB – 3-year fixed rate mortgage, 90% loan-to-value

Commenting on the deal, Adam French, Head of News at Moneyfactscompare.co.uk, said:

“TSB has reduced selected fixed rates across its residential mortgage range and its three-year offering for first-time and second-time buyers at a maximum 90% loan-to-value stands out following a small cut of 0.05%. It is now priced at 4.49%. This mortgage product has no fee and includes a free valuation and a £500 cashback. Already a Moneyfacts 'Best Buy' the modest reduction further cements its position.”

Key product details:

Rate: 4.49% fixed rate to 28.2.29
Product fee: None
Maximum loan-to-value: 90%
Available to: First-time buyers and homemovers
Incentives: Free valuation for all borrowers, and £500 cashback
Lending area: England, Wales, mainland Scotland and Northern Ireland.

Savings

Castle Trust Bank - 3 Year Fixed Rate e-Cash ISA

Commenting on the deal, Adam French, Head of News at Moneyfactscompare.co.uk, said:

“Castle Trust Bank has increased the return on its 3 Year Fixed Rate e-Cash ISA, and it is now a market-leading rate of 4.16% AER. The return is comfortably above current inflation forecasts making it ideal for those with at least £1,000 to save and looking for risk-free guaranteed real returns that aren’t liable for tax. Savers also benefit from a little flexibility as they can make additional deposits for up to 14 days from account opening.”

Key product details:

Rate: 4.16% gross / 4.16% AER payable on maturity
Notice / term: Three year
Minimum opening amount: £1,000
Maximum investment amount: £500k
Access: Earlier access on closure only subject to 270-day loss of interest
Further additions: Permitted for 14 days from account opening
Transfers in: Permitted. Accepts cash and stocks and shares ISAs
Transfers out: Permitted, subject to 270-day loss of interest penalty
Opening account: Online and via its mobile app
Managing account: Online, and via its mobile app
Other information: Minimum applicant age 18. Investors can choose to split their cash ISA savings across multiple ISAs within Castle Trust Bank’s range. A transfer out penalty may be applied. Castle Trust Bank will plant a tree when an e-Cash ISA is opened and funded within the 14-day funding window.

Tembo Money - 1-year Tembo Cash ISA – Fixed Rate

Commenting on the deal, Adam French, Head of News at Moneyfactscompare.co.uk, said:

“Tembo Money has increased the rate on its 1-year Tembo Cash ISA - Fixed Rate. Now paying 4.30% AER, a market-leading rate when compared against other fixed rate ISAs with similar terms currently available. It requires a minimum £500 deposit and pays interest on maturity. Savers can benefit from some flexibility with earlier access permitted, but subject to a 90-day loss of interest penalty.”

Key product details:

Rate: 4.30% gross / 4.30% AER payable on maturity
Notice / term: One year
Minimum opening amount: £500
Maximum investment amount: ISA allowance
Access: Permitted subject to 90 days’ loss of interest
Further additions: Permitted
Transfers in: Permitted. Accepts cash and stocks and shares ISAs
Transfers out: Permitted, subject to 90-day loss of interest penalty
Opening account: Via its mobile app
Managing account: Via its mobile app
Other information: Minimum applicant age 18. Investors can choose to split their cash ISA savings across multiple ISAs within Tembo’s range. A transfer out penalty may be applied.

Mortgages

TSB – 3-year fixed rate mortgage, 90% loan-to-value

Commenting on the deal, Adam French, Head of News at Moneyfactscompare.co.uk, said:

“TSB has reduced selected fixed rates across its residential mortgage range and its three-year offering for first-time and second-time buyers at a maximum 90% loan-to-value stands out following a small cut of 0.05%. It is now priced at 4.49%. This mortgage product has no fee and includes a free valuation and a £500 cashback. Already a Moneyfacts 'Best Buy' the modest reduction further cements its position.”

Key product details:

Rate: 4.49% fixed rate to 28.2.29
Product fee: None
Maximum loan-to-value: 90%
Available to: First-time buyers and homemovers
Incentives: Free valuation for all borrowers, and £500 cashback
Lending area: England, Wales, mainland Scotland and Northern Ireland.

Notes to editors

You are welcome to use part or all of this press release, so long as we are sufficiently sourced. We would appreciate a link back to Moneyfactscompare.co.uk.

Pioneering financial comparison technology for over 35 years, Moneyfacts Group plc is the UK’s leading provider of retail financial product data. Used by virtually every bank and building society in the UK, and supplied to the Bank of England, Financial Conduct Authority, Financial Ombudsman Service, HM Treasury, Prudential Regulatory Authority and UK Finance.

Our expert research team monitors the thousands of mortgages, savings, credit card, personal loan, banking, life, pension and investment products in the UK.

Moneyfactscompare.co.uk is the financial product price comparison site, launched as Moneyfacts.co.uk in 2000 and rebranded to Moneyfactscompare.co.uk in 2023, which helps consumers compare thousands of financial products, including credit cards, savings, mortgages and many more. Unlike other comparison sites, Moneyfactscompare.co.uk shows whole of market data regardless of commercial bias, showing consumers a true picture of the best products based on the criteria they select.

For more information about us please see our key facts.

Broadcast

Our broadcast suite enables our finance experts to appear in-vision for television, and we regularly comment live on national and regional radio.

To arrange an interview for radio or television, please contact our press department. We have an in-house broadcast room.

Notes to editors

You are welcome to use part or all of this press release, so long as we are sufficiently sourced. We would appreciate a link back to Moneyfactscompare.co.uk.

Pioneering financial comparison technology for over 35 years, Moneyfacts Group plc is the UK’s leading provider of retail financial product data. Used by virtually every bank and building society in the UK, and supplied to the Bank of England, Financial Conduct Authority, Financial Ombudsman Service, HM Treasury, Prudential Regulatory Authority and UK Finance.

Our expert research team monitors the thousands of mortgages, savings, credit card, personal loan, banking, life, pension and investment products in the UK.

Moneyfactscompare.co.uk is the financial product price comparison site, launched as Moneyfacts.co.uk in 2000 and rebranded to Moneyfactscompare.co.uk in 2023, which helps consumers compare thousands of financial products, including credit cards, savings, mortgages and many more. Unlike other comparison sites, Moneyfactscompare.co.uk shows whole of market data regardless of commercial bias, showing consumers a true picture of the best products based on the criteria they select.

For more information about us please see our key facts.

Broadcast

Our broadcast suite enables our finance experts to appear in-vision for television, and we regularly comment live on national and regional radio.

To arrange an interview for radio or television, please contact our press department. We have an in-house broadcast room.

If you're looking for extra comment, a chart or more information, then please give us a call. We are always more than happy to help.

Adam French Head of News & Communications

Rachel Springall Press Officer / Finance Expert

Caitlyn Eastell Press & PR Executive

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©2025 Moneyfacts Group plc. All Rights Reserved. Use of this Website constitutes acceptance of the Company’s General Terms of Use & Privacy Policy. Moneyfacts Group plc is registered in England and Wales, company no. 4063110. Registered office: Moneyfacts House, 66-70 Thorpe Road, Norwich, NR1 1BJ. Moneyfacts, MONEY £ ACTS and INTEREST are Registered Trademarks.