This week's 'Money in a Minute' gives you the lowdown on the best new launches in the savings and mortgage market.
The products featured have been handpicked by the impartial research team here at Moneyfacts.co.uk, so you can be sure they are all up there with the best deals in their respective fields.
To make sure you fully understand the products, we outline the technical details behind the plans before giving you our invaluable and insightful analysis.
(Derbyshire Building Society)
Derbyshire Building Society has launched a new issue of the NetSaver account, paying a yearly rate of 3.16% including a bonus of 2.16% until 31 January 2013. Savers can invest between £1,000 and £1 million. No notice is required to access funds, although all withdrawals must be made via a nominated account. The account can be operated online only by savers aged 16 and over.
The latest issue of the popular NetSaver account pays a competitive annual rate of 3.16% with a large bonus. Leading the way in the online no notice market, this account should prove popular with savers looking for a competitive variable online deal.
(United National Bank)
Selected fixed rate bonds within United National Bank's savings range have been reduced by up to 0.25%. The new three year bond pays a competitive rate of 4.00% on its anniversary. A monthly interest option is available paying 3.93%. Savers can invest between £1 and £1 million. Further additions and early access are not allowed. The account can be operated by savers aged 18 and over in branch or by post.
A review of United National Bank's fixed rate bond range sees its three year bond reduced by 0.25%, offering a new market leading rate for its term of 4.00%. Savers must be committed to locking their money in for the duration of the term, as early access is not allowed.
Find the best savings rates for you - Compare savings accounts
HSBC has launched a new fixed rate mortgage deal for five years. Offering a rate of 4.89% to 31 January 2017, this deal has a maximum loan-to-value of 90% and no arrangement fee. Purchase borrowers can enjoy incentives of a free valuation, while those remortgaging will receive free legal fees.
As part of its latest mortgage product update, HSBC has amended its 90% loan-to-value deals including the five year fixed rate. Offering a competitive rate of 4.89% to 31 January 2017, this product's appeal is enhanced by generous incentives for both purchase and remortgage borrowers and the fact that there is no fee payable.
A new three year fixed rate mortgage deal has been launched by Halifax. Offering a rate of 3.79% to 30.11.14, the product has a maximum loan-to-value of 60% and allows borrowing of up to £1 million. A low fee of £245 is payable and a host of flexible features are also offered.
Halifax has introduced a new three year fixed rate to its mortgage range. The product, available to purchase borrowers, is priced at 3.79% to 30 November 2014 and has a maximum loan-to-value of 60%. Customers looking for flexibility with payments will be pleased with the opportunities to make overpayments, underpayments and take payment holidays.
Find the best mortgage rate - Compare best selling mortgages
Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.
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