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…

Great savings rates

Shawbrook Bank has a variable savings account of 0.67% pa.

Investec Bank plc is offering a one-year fixed rate of 1.36 % pa.

QIB (UK) Raisin UK is offering a three-year fixed rate of 1.85% pa.

JN Bank is offering a five-year fixed rate of 2.12% pa.

Please check the T&Cs before depositing your money. If you hold money with a UK authorised bank or building society, you’re covered under the Financial Services Compensation Scheme 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 rate for two years at 60% LTV.

Progressive Building Society is offering a 1.09% discounted rate for two years at 80% LTV.

If you’re moving home:

Progressive Building Society is offering a 0.51% discounted rate for two years at 60% LTV.

Progressive Building Society is offering a 1.09% discounted rate for two years at 80% LTV.

If you’re a first-time buyer:

Danske Bank has a 1.23% fixed rate until 01/04/2024 at 90% LTV.

Loughborough Building Society is offering a 3.49% fixed rate for three 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. 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. Market movements