Last updated: 14 August 2025 at 09:45
The Moneyfactscompare.co.uk Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market, ranging from mortgages to savings accounts. This week I've analysed the following deals, along with their perks.
This week RCI Bank UK has reduced the rates on its 95 Day Notice Savings Account. It now pays 4.50% AER on its anniversary, and there is a monthly interest option available to those looking for a small income boost. Despite the reduction, it maintains a prominent position in both the monthly interest and notice sectors.
Savers will need to invest at least £1,000 to receive the headline rate. Although withdrawals are permitted, as is the case with many notice accounts, consumers need to give the full 95 days’ notice to access their cash but, in more positive news, further additions are permitted at any time via a nominated account. On assessment, this account earns an Excellent Moneyfacts product rating.
Last updated: 14/08/2025
This week Vida Savings has increased the rate on its 1 Year Fixed Rate ISA, which sees it take the market-leading position when compared to its peers. As well as offering 4.31% AER on its anniversary there is also a monthly interest option available.
The account can be opened with as little as £100 and further additions are permitted for 21 days from the account opening via a nominated account. Although earlier access is permitted savers should consider any withdrawals carefully as they are subject to a 90-day loss of interest penalty. Overall, the deal earns an Excellent Moneyfacts product rating.
Last updated: 14/08/2025
Santander has made a variety of changes across its residential product offerings, including rate amendments and incentive changes. The two-year fixed rate at 75% loan-to-value has seen a small 0.04% cut and is now priced at 3.86% until December 2027.
The deal has a £999 fee attached but working in its favour is a free valuation and a new £250 cashback incentive. The combination of these features earns this product a spot in the Moneyfacts Best Buys and an Outstanding Moneyfacts product rating.
Last updated: 14/08/2025
Representative example: £250,000 mortgage over 25 years initially at 3.86% fixed for 27 months reverting to 6.75% variable for term. 27 monthly payments of £1300.34 and 273 monthly payments of £1693.98. Total amount payable £498,839.72 includes loan amount, interest of £247,566, valuation fees of £0 and product fees of £999. The overall cost for comparison is 6.4% APRC representative.
In its latest update, TSB has reduced a small selection of its three-year fixed rates by up to 0.10%. One deal to see this cut is the 4.29% offering which is now priced at 4.19% until September 2028.
The deal is for house purchase customers looking to make a 15% deposit. Although there is a £995 fee attached this is offset by its free valuation incentive. Adding to its appeal, borrowers can make overpayments and take payment holidays after one year and subject to approval. Overall, the deal earns an Outstanding Moneyfacts product rating.
Last updated: 14/08/2025
Representative example: £200,000 mortgage over 25 years initially at 4.19% fixed for 37 months reverting to 7.49% variable for term. 37 monthly payments of £1076.77 and 263 monthly payments of £1434.46. Total amount payable £418,148.47 includes loan amount, interest of £217,103, valuation fees of £0 and product fees of £995. The overall cost for comparison is 6.8% APRC representative.
This week Coventry Building Society has reduced its fixed rates for landlords by as much as 0.38%. One deal to see a slightly smaller 0.12% cut is the two-year option at 65% loan-to-value and is now priced at 3.90% until February 2028. Landlords will note that the deal carries a larger arrangement fee of £1,999 but it is partially offset by a free valuation incentive. Landlords can make overpayments, which could add to its appeal. Overall, this product earns an Outstanding Moneyfacts product rating.
Last updated: 14/08/2025
Representative example: £170,000 mortgage over 25 years initially at 3.90% fixed for 30 months reverting to 6.94% variable for term. 30 monthly payments of £552.50 and 270 monthly payments of £983.17. Total amount payable £454,079.90 includes loan amount, interest of £282,031, valuation fees of £0 and product fees of £1999. The overall cost for comparison is 6.7% APRC representative.
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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. Moneyfactscompare.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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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
