Savings
Market Harborough Building Society – Fixed Term Bond 13 (31.07.2031)
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“Market Harborough Building Society has launched new Fixed Term Bonds this week. The five-year option takes the top position when compared to its peers and pays a market-leading 4.70% AER. Savers will need to deposit at least £5,000, however, further additions are permitted for 10 days after opening, which may be a bonus for some. As is the case with many fixed rate bonds, careful planning is essential as earlier access is not permitted. On assessment, this account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.70% gross / 4.70% AER payable yearly
- Notice / term: 31.7.31
- Minimum opening amount: £5,000
- Maximum investment amount: £500,000
- Access: Not permitted
- Further additions: Permitted for 10 days from account opening
- Opening account: Online and in branch
- Managing account: Online and in branch
- Other information: Minimum applicant age 18. Joint account option available.
Mortgages
Santander – Three-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“Santander joins a handful of lenders by making fixed rate cuts this week, it has reduced several fixed products in its residential range by up to 0.25%. The three-year deal at 95% loan-to-value has received this cut and is now priced at a competitive 5.55% until 2 August 2029. First-time buyers wishing to limit initial costs may find this an enticing option, there is no fee to pay, and its generous incentive package includes a free valuation and £250 cashback. The reduction secures the deal a position as a Moneyfacts Best Buy and an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.55% fixed rate to 2.8.29
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: First-time buyers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let
Leeds Building Society – Two-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“Leeds Building Society has refreshed its buy-to-let mortgage range by adding a selection of new deals. The two-year option at 60% loan-to-value takes a prominent position as a Best Buy and is priced at a competitive 4.79% until 31 July 2028. Landlords looking to save on upfront costs may be pleased to note that the £1,499 product fee is offset by its attractive incentive package which includes a free valuation for both second-time and remortgage customers, however, remortgage customers could also receive help towards costs. As a result, the deal secures an ‘Outstanding’ product rating.”
Key product details:
- Rate: 4.79% fixed rate to 31.7.28
- 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
Market Harborough Building Society – Fixed Term Bond 13 (31.07.2031)
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“Market Harborough Building Society has launched new Fixed Term Bonds this week. The five-year option takes the top position when compared to its peers and pays a market-leading 4.70% AER. Savers will need to deposit at least £5,000, however, further additions are permitted for 10 days after opening, which may be a bonus for some. As is the case with many fixed rate bonds, careful planning is essential as earlier access is not permitted. On assessment, this account receives an Excellent Moneyfacts product rating.”
Key product details:
- Rate: 4.70% gross / 4.70% AER payable yearly
- Notice / term: 31.7.31
- Minimum opening amount: £5,000
- Maximum investment amount: £500,000
- Access: Not permitted
- Further additions: Permitted for 10 days from account opening
- Opening account: Online and in branch
- Managing account: Online and in branch
- Other information: Minimum applicant age 18. Joint account option available.
Mortgages
Santander – Three-year fixed rate mortgage, 95% loan-to-value
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“Santander joins a handful of lenders by making fixed rate cuts this week, it has reduced several fixed products in its residential range by up to 0.25%. The three-year deal at 95% loan-to-value has received this cut and is now priced at a competitive 5.55% until 2 August 2029. First-time buyers wishing to limit initial costs may find this an enticing option, there is no fee to pay, and its generous incentive package includes a free valuation and £250 cashback. The reduction secures the deal a position as a Moneyfacts Best Buy and an Outstanding Moneyfacts product rating.”
Key product details:
- Rate: 5.55% fixed rate to 2.8.29
- Product fee: None
- Maximum loan-to-value: 95%
- Available to: First-time buyers
- Incentives: Free valuation and £250 cashback
- Flexible features: Allows overpayments
- Lending area: Great Britain and Northern Ireland.
Buy-to-Let
Leeds Building Society – Two-year fixed rate mortgage, 60% loan-to-value
Commenting on the deal, Caitlyn Eastell, Personal Finance Analyst at Moneyfactscompare.co.uk, said:
“Leeds Building Society has refreshed its buy-to-let mortgage range by adding a selection of new deals. The two-year option at 60% loan-to-value takes a prominent position as a Best Buy and is priced at a competitive 4.79% until 31 July 2028. Landlords looking to save on upfront costs may be pleased to note that the £1,499 product fee is offset by its attractive incentive package which includes a free valuation for both second-time and remortgage customers, however, remortgage customers could also receive help towards costs. As a result, the deal secures an ‘Outstanding’ product rating.”
Key product details:
- Rate: 4.79% fixed rate to 31.7.28
- 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.
