Best Savings Mortgage And Card Deals 23 09 21 | moneyfacts.co.uk

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Derin Clark

Derin Clark

Online Reporter
Published: 23/09/2021

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

Al Rayan Bank – Fixed Term Deposit

Savers willing to lock their money into a fixed rate account for a 24-month term will find that Al Rayan Bank has the top paying account with its Fixed Term Deposit account paying an expected profit rate of 1.76% AER. This Sharia’a compliant account pays expected profit quarterly and requires a £5,000 minimum deposit to open. Further additions and withdrawals are not allowed. It can be opened and managed online, in branch, by phone and via mobile app.

Key details:

  • Rate: 1.76% AER
  • Notice/term: 24-months
  • Minimum opening amount: £5,000
  • Further additions: Not permitted
  • Withdrawals: Not permitted
  • Opening account: Online, in branch, by phone and via mobile app
  • Managing account: Online, in branch, by phone and via mobile app.

Find out more about this account.

Compare all two year fixed rate bonds.

Best mortgage deal this week

Santander – five year fixed

Home movers and first-time buyers with a 40% deposit – 60% loan-to-value (LTV) - will find that Santander had the most competitive five year fixed deal. This deal offers 0.99% (2.5% APRC) fixed until 2 January 2027 and then reverts to 3.35%. It charges £999 in product fees and comes with the incentive of free valuation fees to a maximum £1,190 for properties valued to a maximum of £2.5 million, as well as £250 cashback.

Key details

  • Rate: 0.99% fixed until 2 January 2027
  • Product fee: £999
  • Maximum loan-to-value: 60% LTV
  • Available to: First-time buyers, home movers
  • Incentives: Free valuation fees to a maximum £1,190 for properties valued to a maximum of £2.5 million and £250 cashback.

Speak to a broker about this deal.

Compare the best five year fixed deals.

Best credit card deal this week

Barclaycard – Platinum All-Rounder Visa

Barclaycard’s Platinum All-Rounder Visa is a highly competitive interest-free purchase credit card. This card offers 21 months interest-free on purchases, as well as 20 months of interest-free on balance transfers. A fee of 2.90% is charged on balance transfers, which must be made within 60 days. Once the interest-free period ends it charges 21.9% APR. A minimum income of £20,000 is needed to apply for this card which can be opened in branch, online or by phone.

Key details:

  • Interest-free period on purchases: 21 months
  • Interest-free period on balance transfers: 20 months on balance transfers made within 60 days
  • APR: 21.9%
  • Card fee: None
  • Opening method: In branch, online or by phone
  • Card management: In branch, online and by phone.

Find out more about this credit card.

Compare all 0% purchase 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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