The Smarter Spender

Getting ahead financially means making some smart money decisions. Here is a snapshot of the key money information you need to know…

Market movements

Total return in pounds sterling. YTD is the year-to-date percentage total return. 10 yr (%) is the compound annualised growth rate over 10 years. Deposit rate reflect a typical savings account at £2,500. RPI and CPI are inflation measures.

Great savings rates

■ Aldermore is offering a variable savings account of 0.60% pa.

■ Atom Bank is offering a one-year fixed rate of 1.50% pa.

■ Al Rayan Bank is offering a three-year fixed rate of 1.81% pa.

■ Atom Bank is offering a fiveyear fixed rate of 1.86% pa. Please check the T&Cs before depositing your money. If you hold money with a UK authorised bank or building society, you are covered under the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per bank or building society.

Great mortgage deals

If you’re remortgaging:

■ Barclays is offering 0.85% variable rate for two years at 60% LTV.

■ NatWest is offering a 1.43% fixed rate until 30/11/2023 at 80% LTV. If you’re moving home:

■ Barclays is offering 0.86% fixed until 30/11/2023 at 60% LTV.

■ NatWest is offering a 1.44% fixed rate until 30/11/2023 at 80% LTV.

If you’re a first-time buyer:

■ Barclays is offering 1.97% fixed until 30/11/2023 at 90% LTV.

■ Barclays is offering 3.70% fixed to 30/11/2026 deal at 100% LTV. Please check the fees and T&Cs of the mortgage before arranging it. Your home may be repossessed if you do not keep up repayments on your