Moneyfacts pick of the week

Last updated: 24 July 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.

Moneybox has boosted the appeal of its Cash ISA by increasing its rate to 4.65% AER. The move lifts the account further into the top 10 while also paying one of the market-leading rates among comparable variable rate cash ISAs, making it a compelling option for savers looking to maximise their tax-free returns.

Savers should be aware that the headline return includes a 1.15% bonus for the first 12 months, meaning the rate will fall once the bonus expires. A lower rate will also be paid if four or more withdrawals are made in a 12-month period. As with any bonus account, it is sensible to review the ISA at that point to ensure it continues to meet your savings needs.

Habib Bank Zurich plc has improved the return on its 12 Month e-Deposit Account with a rate increase to 4.91% AER. The changes move the account into the top 10 while also paying one of the market-leading rates for comparable one-year fixed bonds, making it worthy of consideration for savers wanting to lock away their cash for a fixed term.

"One feature that helps this account stand out is the ability to make additional deposits for up to 30 days after opening via a nominated account, offering greater flexibility than some rival fixed bonds. Savers should nevertheless ensure they are comfortable committing their funds for the full fixed term before applying.

Santander has expanded its mortgage range with the launch of 10-year fixed rates at higher loan-to-value tiers, offering borrowers with smaller deposits another opportunity to lock in their repayments over the longer term. This deal earns a Moneyfacts 'Best Buy' thanks to its strong overall proposition, with the addition of cashback and a free valuation helping to cement its position at the top of its sector.

Borrowers should be aware that the deal carries a £999 product fee, so it is important to weigh this against the overall value of the package and the certainty that a decade-long fixed rate can provide. Those considering a longer-term commitment may find it worth considering if payment stability is their priority.

Although NatWest has increased rates across some of its fixed mortgage range, this two-year deal for landlords has seen only a modest rise and continues to offer a very competitive deal for house purchase borrowers. Retaining its Moneyfacts 'Best Buy' status despite the increase demonstrates that it remains among the stronger options available in its sector.

Borrowers should note that the mortgage carries a £995 fee, so the overall cost should be considered alongside the headline rate. The inclusion of a free valuation strengthens the package and could prove attractive to buyers comparing the total value offered by competing lenders.