Product Spotlight: Easy access savings accounts
Looking for an easy access savings account that can be managed online, opened with £100 and pays interest monthly? Here are the top deals currently available.
• ICICI Bank UK takes the top spot in this scenario with its SuperSaver Savings Account paying 0.50% AER. It’s available to new and existing HomeVantage Current Account customers and permits unlimited further additions and withdrawals, though it should be noted that all access is via a linked ICICI Bank current account. It can be opened online, in branch or by phone, before becoming internet, branch, postal and app-operated.
• Next up is Paragon Bank, with Limited Edition Easy Access Account (Issue 8) paying 0.41% AER. Further additions are permitted via a nominated account and there are no restrictions on withdrawals, with this purely internet-operated account offering the height of flexibility.
• Completing this overview is SAGA, with the Saga Easy Access Savings Account paying 0.40% AER. Further additions are welcome via a nominated account and withdrawals are permitted without restriction, and although the account can only be opened online, it can then be managed by phone as well. Find out more and apply online by going straight to the provider’s site.
Head to our chart to find more of the best online easy access accounts that pay interest monthly.
Product Spotlight: 80% LTV buy-to-let mortgages
If you’re looking for a new buy-to-let (BTL) loan to start or expand your portfolio, here we’ve rounded up the best buy-to-let mortgages for landlords with a 20% deposit.
• First up is Loughborough Building Society, with a two-year discounted variable rate of 3.15% (2.19% discount) (5.2% APRC) that reverts to 5.34% variable thereafter. There are no product fees to pay, it permits overpayments and it offers free valuation as an additional incentive, and it’s available to both purchasers and remortgage customers.
• Molo Finance has several deals available in this sector, with offers varying according to the term, buyer profile and fee structure. The option that leads the way on our chart is the five-year fixed rate offer priced at 3.29% (4.3% APRC), which reverts to 4.41% variable after the initial term. It has a fee of £1,750, is available to house purchase and remortgage customers and it permits overpayments. You can find out more and apply online by heading to the provider’s site.
• Accord Mortgages also has a number of options available in this space, most notably the 3.30% (4.3% APRC) remortgage deal that’s fixed to 31 May 2026 before reverting to 4.49% variable. It has a fee of £1,995 and permits overpayments, and it also boasts a generous incentive package of free valuation and legal fees as well as £250 cashback.
Find more of the top 80% BTL deals on our chart, or for a more tailored look at your options, get free mortgage advice from our preferred mortgage broker Mortgage Advice Bureau. Just follow this link or call 0808 149 9177.
Are green investments a good option for consumers?
This year the Government is due to launch its first green investment bond, which will use the money invested to fund environmentally friendly projects. As the Government’s green sovereign bond will be one of many green investments available to consumers, we’ve looked at whether green investments are a good option for consumers, the potential returns on offer, and what alternative options are available.
The best 75% LTV buy-to-let mortgages for 2021
There are more 75% loan-to-value (LTV) mortgage deals available in the buy-to-let (BTL) charts than any other LTVs, making this by far the most popular LTV with lenders. In fact, today there are currently 885 BTL deals available in the 75% LTV chart, compared with just 342 BTL deals at 70% LTV, 346 at 65% LTV, 268 at 60% LTV, 126 at 80% LTV and just 12 at 85% LTV. Clearly, landlords with a 25% deposit have a vast amount of choice when it comes to selecting the right BTL mortgage deal; here, we outline some of the most competitive options available.
Should you take out a lifetime pet insurance policy?
A year of lockdowns has seen a boom in pet ownership, with millions of households acquiring new pets and, as pets can quickly become part of the family, pet owners will want to ensure that they are fully taken care of when ill or injured. Taking out pet insurance will help to ensure that pets can be treated without owners having to worry about how they will pay for vet bills, and one of the most popular types of insurance for providing long-term peace of mind is lifetime pet insurance. Here we look at what lifetime pet insurance is, whether it is worthwhile taking out and the alternative options available.
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