Best Savings, Mortgage & Credit Card Deals 19.08.21 | moneyfacts.co.uk

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Derin Clark

Derin Clark

Online Reporter
Published: 19/08/2021

Every week we highlight some of the best personal finance deals currently available. These deals are selected based on their competitive rates and features that benefit consumers. We’ll include a selection of market leaders as well as new products entering the market.

This is only a selection of the financial products available, those looking for a new savings, mortgage, loan or credit card deal should use our charts to compare the best deals.

Best savings deals this week

DF Capital – 18 Month Fixed Rate Deposit (Issue 7)

For those happy to lock their money into a fixed rate bond for 18 months, DF Capital offers a highly competitive rate of 1.40% AER on its 18 Month Fixed Rate Deposit (Issue 7). The account requires savers to deposit a minimum of £1,000 to open the account. When looking at this account, savers should be aware that, although it can be opened online, when managing the account it can either be managed by phone or via secure email.

Key details:

  • Rate: 1.40% AER
  • Notice/term: 18 months
  • Minimum opening amount: £1,000
  • Further additions: Permitted within 14 days of account opening, but must be from a minimum of £1,000
  • Withdrawals: Not permitted
  • Opening account: Online
  • Managing account: Secure email and by phone.

Find out more about this account.

Compare all one year fixed rate bonds.

 

SAGA – Saga Easy Access Savings Account

Savers looking for an easy access savings account will find that SAGA currently offers a competitive rate on its Saga Easy Access Savings Account. This account pays 0.50% AER, which includes a 0.10% bonus for 12 months. The account does not require a deposit to open and unlimited further additions can be made. Savers can make withdrawals at any time with this account, which must be opened online but can be managed either online or by phone.

Key details:

  • Rate: 0.50% AER, including a 0.10% bonus for 12 months
  • Notice/term: None
  • Minimum opening amount: £0
  • Further additions: Unlimited
  • Withdrawals: Unlimited
  • Opening account: Online
  • Managing account: Online and by phone.

Find out more about this account.

Compare all easy access savings accounts.

Best mortgage deal this week

Santander – two year fixed

House buyers with a 30% deposit will find that Santander has one of the most competitive mortgage deals offering 1.00% (3.0% APRC) fixed until 2 November 2023 and then reverts to 3.35%. This deal charges £999 in product fees. It comes with the incentive of a free valuation to a maximum of £1,190 for properties valued to a maximum of £2.5 million, as well as £250 cashback.

Key details

  • Rate: 1.00% fixed until 2 November 2023
  • Product fee: £999
  • Maximum loan-to-value: 70% LTV
  • Available to: Moving home and first-time buyers.
  • Incentives: Free valuation to a maximum of £1,190 for properties valued to a maximum of £2.5 million, as well as £250 cashback.

Speak to a broker to find out more about this deal.

Compare the best two year fixed moving home deals.

Best credit card deal this week

Virgin Money – 19 Month All Round Credit Card Mastercard

Borrowers looking for a credit card that offers an interest-free period on both balance transfers and purchases should consider Virgin Money’s 19 Month All Round Credit Card Mastercard. This card offers 19 months of no interest on balance transfers and purchases. It charges a 2.90% introductory balance transfer fee, after this there is a 5% fee on balance transfers. when transferring balances to the card and borrowers can transfer up to 95% of the credit limit.

Key details:

  • Interest-free period on purchases: 19 months
  • Interest-free period on balance transfers: 19 months on balance transfers made within 60 days
  • APR: 21.9%
  • Card fee: None
  • Opening method: In branch, online or by phone.
  • Card management: By post, by phone and via app.

Find out more about this credit card.

Compare all 0% balance transfer credit cards.

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. Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfacts.co.uk will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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