Last updated: 17 April 2026 at 09:15
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.
Alongside changing the issue number, Cynergy Bank has increased the rate on its Online Easy Access Account. The boost improves its position in the top tables and now pays a competitive 4.27%. Savers can start from as little as £1 and it may be a suitable option for those who need to dip into their pots regularly as the account permits unlimited access with no penalty.
However, it’s important to note the rate includes a significant 2% bonus, so it’s crucial that savers review their deal when this expires in 12 months. Overall, the deal earns an Excellent Moneyfacts product rating.
Last updated: 17/04/2026
As well as extending end dates, Santander has reduced several of its fixed rate products, including the two-year deal at 85% loan-to-value. This option for second-time buyers has seen a 0.19% cut and is now priced at 4.90% until 2 August 2028.
Borrowers looking to save on upfront costs may find this an enticing option as it offers a reasonable £999 product fee, boosted by its generous incentive package which includes a free valuation and £250 cashback. The combination of these features earns this product a spot in the Moneyfacts Best Buys and an Outstanding Moneyfacts product rating.
Last updated: 17/04/2026
Representative Example: £250,000 mortgage over 25 years initially at 4.90% fixed for 27 months reverting to 6.50% variable for term. 27 monthly payments of £1446.95 and 273 monthly payments of £1670.75. Total amount payable £496,456.40 includes loan amount, interest of £245,182, valuation fees of £0 and product fees of £999. The overall cost for comparison is 6.4% APRC representative.
This week HSBC has reduced its fixed rate buy-to-let offerings by up to 0.34%. The two-year option for homemovers at 75% loan-to-value has seen a slightly smaller, but still generous, 0.20% cut.
The deal now charges 5.35% until 31 May 2028 and may be an attractive option for landlords looking to save on upfront costs as it does not have any product fees and comes with a free valuation incentive. Overpayments are also permitted, which may be a bonus for some. The reduction earns the deal a position in the top tables and earns an Outstanding Moneyfacts Product Rating.
Last updated: 17/04/2026
Representative Example: £170,000 mortgage over 25 years initially at 5.35% fixed for 25 months reverting to 7.25% variable for term. 25 monthly payments of £757.92 and 275 monthly payments of £1027.08. Total amount payable £471,540.00 includes loan amount, interest of £301,395, valuation fees of £0 and product fees of £0. The overall cost for comparison is 7.2% APRC representative.
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.
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.
