Savings
Oxbury Bank – Easy Access Bonus Rate Summer Saver 1
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Propelling itself to the top of easy access account market is the brand-new Easy Access Bonus Rate Summer Saver from Oxbury Bank, available to new customers. Paying interest monthly at 5.01% AER, the deal could be enticing for savers looking to supplement their income. The account does require a minimum of £1,000 to invest but it does allow savers to make unlimited withdrawals while also earning an inflation-busting monthly rate. As the name suggests, the account carries an introductory bonus until 24 December 2026, and with it currently set at a healthy 1.50% AER, it is important savers ensure the account is still attractive as it sets to expire. Overall, the deal earns an Excellent Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 4.90% gross / 5.01% AER payable monthly (including a 1.45% gross / 1.50% AER variable rate bonus until 24.12.2026)
- Notice / term: None
- Minimum opening amount: £1,000
- Maximum investment amount: £120,000
- Access: Unlimited withdrawals permitted
- Further additions: Permitted
- Opening account: Online
- Managing account: Online and via its mobile app
- Other information: New Customers only. Minimum applicant age 18. Initial deposit must be made within 90 days of account opening, or account will automatically close.
OakNorth Bank – One-Year Fixed Rate Cash ISA
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“OakNorth Bank has increased the rate on its Fixed Term Cash ISA this week, which secures a top 10 position in its sector. Paying 4.56% AER, savers can open the ISA with as little as £1 and make further additions within the first 30 days of opening or move money in by a cash ISA transfer. The prominent position of the deal in the market makes it a fantastic choice for savers who want a guaranteed return on their cash. Those who may need their money back sooner can do so, but earlier access is subject to a 90-day loss of interest penalty, which includes ISA transfers out. OakNorth Bank also allows savers to split their cash ISA savings across multiple ISAs within its range, which is convenient. Overall, the deal earns an Excellent Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 4.47% gross / 4.56% AER paid monthly
- Notice / term: One-year
- Minimum opening amount: £1
- Maximum investment amount: £500,000
- Access: Permitted, subject to a 90-day loss of interest penalty
- Further additions: Permitted, within the first 30 days of account opening
- Transfers in: Cash ISA transfers permitted
- Transfers out: Permitted, subject to a 90-day loss of interest penalty
- Opening account: Online or via its mobile app
- Managing account: Online or via its mobile app
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within OakNorth Bank’s range. Account must be funded within 30 days of account approval or account will be closed.
Mortgages
Yorkshire Building Society – Two-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Yorkshire Building Society has cut a selection of fixed rate mortgages in its range this week, including a two-year fixed mortgage at 75% loan-to-value for house purchase customers. Now priced at 4.44% to 30 September 2028, this deal offers borrowers a free valuation incentive and its product fee of £995 can be added to the mortgage advance, ideal for those looking to save on the upfront cost of their deal. This highly attractive package earns a rightful place within the Moneyfacts Best Buys and secures an Excellent Moneyfacts product rating.”
Key product details:
- 4.44% fixed rate to 30.9.28
- Product fee: £995
- Maximum loan-to-value: 75%
- 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
Coventry Building Society – Five-year fixed rate mortgage, 65% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Landlords searching for a new fixed rate mortgage may be enticed by the latest offer from Coventry Building Society. Priced at 4.89% and fixed to 31 December 2031, the deal does not charge a product fee and carries a free valuation incentive, ideal for those looking to keep initial costs down. Borrowers looking to secure a competitive fixed rate for peace of mind over the next five years may then find it an attractive option. The deal earns an Outstanding Moneyfacts product rating and retains its position as a Moneyfacts Best Buy.”
Key product details:
- Rate: 4.89% fixed rate to 31.12.31
- Product fee: None
- Maximum loan-to-value: 65%
- Available to: Second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
Savings
Oxbury Bank – Easy Access Bonus Rate Summer Saver 1
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Propelling itself to the top of easy access account market is the brand-new Easy Access Bonus Rate Summer Saver from Oxbury Bank, available to new customers. Paying interest monthly at 5.01% AER, the deal could be enticing for savers looking to supplement their income. The account does require a minimum of £1,000 to invest but it does allow savers to make unlimited withdrawals while also earning an inflation-busting monthly rate. As the name suggests, the account carries an introductory bonus until 24 December 2026, and with it currently set at a healthy 1.50% AER, it is important savers ensure the account is still attractive as it sets to expire. Overall, the deal earns an Excellent Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 4.90% gross / 5.01% AER payable monthly (including a 1.45% gross / 1.50% AER variable rate bonus until 24.12.2026)
- Notice / term: None
- Minimum opening amount: £1,000
- Maximum investment amount: £120,000
- Access: Unlimited withdrawals permitted
- Further additions: Permitted
- Opening account: Online
- Managing account: Online and via its mobile app
- Other information: New Customers only. Minimum applicant age 18. Initial deposit must be made within 90 days of account opening, or account will automatically close.
OakNorth Bank – One-Year Fixed Rate Cash ISA
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“OakNorth Bank has increased the rate on its Fixed Term Cash ISA this week, which secures a top 10 position in its sector. Paying 4.56% AER, savers can open the ISA with as little as £1 and make further additions within the first 30 days of opening or move money in by a cash ISA transfer. The prominent position of the deal in the market makes it a fantastic choice for savers who want a guaranteed return on their cash. Those who may need their money back sooner can do so, but earlier access is subject to a 90-day loss of interest penalty, which includes ISA transfers out. OakNorth Bank also allows savers to split their cash ISA savings across multiple ISAs within its range, which is convenient. Overall, the deal earns an Excellent Moneyfacts product rating and is a Moneyfacts Best Buy.”
Key product details:
- Rate: 4.47% gross / 4.56% AER paid monthly
- Notice / term: One-year
- Minimum opening amount: £1
- Maximum investment amount: £500,000
- Access: Permitted, subject to a 90-day loss of interest penalty
- Further additions: Permitted, within the first 30 days of account opening
- Transfers in: Cash ISA transfers permitted
- Transfers out: Permitted, subject to a 90-day loss of interest penalty
- Opening account: Online or via its mobile app
- Managing account: Online or via its mobile app
- Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within OakNorth Bank’s range. Account must be funded within 30 days of account approval or account will be closed.
Mortgages
Yorkshire Building Society – Two-year fixed rate mortgage, 75% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Yorkshire Building Society has cut a selection of fixed rate mortgages in its range this week, including a two-year fixed mortgage at 75% loan-to-value for house purchase customers. Now priced at 4.44% to 30 September 2028, this deal offers borrowers a free valuation incentive and its product fee of £995 can be added to the mortgage advance, ideal for those looking to save on the upfront cost of their deal. This highly attractive package earns a rightful place within the Moneyfacts Best Buys and secures an Excellent Moneyfacts product rating.”
Key product details:
- 4.44% fixed rate to 30.9.28
- Product fee: £995
- Maximum loan-to-value: 75%
- 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
Coventry Building Society – Five-year fixed rate mortgage, 65% loan-to-value
Commenting on the deal, Rachel Springall, Finance Expert at Moneyfactscompare.co.uk, said:
“Landlords searching for a new fixed rate mortgage may be enticed by the latest offer from Coventry Building Society. Priced at 4.89% and fixed to 31 December 2031, the deal does not charge a product fee and carries a free valuation incentive, ideal for those looking to keep initial costs down. Borrowers looking to secure a competitive fixed rate for peace of mind over the next five years may then find it an attractive option. The deal earns an Outstanding Moneyfacts product rating and retains its position as a Moneyfacts Best Buy.”
Key product details:
- Rate: 4.89% fixed rate to 31.12.31
- Product fee: None
- Maximum loan-to-value: 65%
- Available to: Second-time buyers
- Incentives: Free valuation
- Flexible features: Allows overpayments
- Lending area: Great Britain.
