Sunday Mirror (Northern Ireland)
The Smarter Spender
How to get ahead financially means making smart money decisions, here is a snapshot of the financial information you need to have.
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 reflects a typical savings account at £2,500. RPI and CPI are inflation measures.
Great savings rates
Investec is offering a variable savings account of 0.71%pa.
Paragon is offering a 1-year fixed rate of 0.95%pa.
QIB (UK) Raisin UK is offering a 3-year fixed rate of 1.85%pa
Monument Bank is offering a 5-year fixed rate of 2.05%pa.
Please check the terms and conditions 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 eligible person, per bank or building society.
Great mortgage deals
If you’re remortgaging:
Progressive Building Society is offering 0.51% discounted deal for 2 years at 60% LTV.
Nationwide Building Society is offering a 1.04% variable rate for 2 years at 80% LTV.
If you’re moving home:
Progressive Building Society is offering 0.51% discounted deal for 2 years at 60% LTV.
Nationwide Building Society is offering a 0.94% variable rate for 2 years at 80% LTV.
If you’re a first-time buyer:
Danske Bank is offering 1.23% fixed to 01/04/2024 at 90% LTV.
Loughborough Building Society is offering a 3.49% fixed for 3 years 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 mortgage.