Some of the week’s best deals

Savings

United Trust Bank has launched a 15-month fixed-rate bond paying 2.1% on its anniversary. The minimum investment is £500. Early access and further additions are not permitted. This deal is for savers aged 16 and over and can be operated by post only.
It’s good because: This is highly competitive and heads straight to the top of the market. Act with caution, however, as the account does not allow early access to funds, so you must be comfortable with the length of the term.

Chorley & District Building Society has launched a 30-day notice Nisa paying 1.6% a year. The minimum investment is £1,000. Access to your money is available in less than 30 days, but with a loss-of-interest penalty. Further additions and transfers in from other cash and stocks & shares Isas are permitted. This account is for savers aged 16 and over and can operated by branch and post.
It’s good because: Savers who have yet to invest this year’s tax-free allowance might be excited by this deal. It heads straight into the top 10 in its sector and is likely to be a popular choice for people looking for a straightforward account.

 

Mortgages

Nationwide Building Society has reduced its first-time-buyer five-year fixed rate, which is now priced at 4.79%. It is available for advances of between £25,000 and £500,000, with a maximum loan-to-value (LTV) of 90%. With a fee of £99, there is the flexibility of being able to make overpayments of up to 10% of the mortgage advance, and underpayments.
It’s good because: First-time buyers will be delighted by this mortgage. It is reasonably priced and accompanied by a low fee.

The Co-operative Bank has launched a two-year fixed-rate mortgage, priced at 2.29% until the end of November 2016. This deal is available for customers who borrow from £25,000 at 70% LTV. There is a fee of £999, of which £849 can be added to the loan advance. There is an incentive package for remortgage customers of free valuation and legal fees. This deal allows overpayments of up to 10% of the outstanding balance, as well as underpayments and payment holidays.
It’s good because: This is highly competitive, sitting towards the top of its sector. Alongside the great rate, there is an enticing incentive package, making this deal a cost-effective choice for many.

 

Credit cards

Barclaycard has increased the term of its balance-transfer deal to 34 months interest-free, with a fee of 2.99of the balance transferred. Interest on purchases is 18.9%, with the first six months interest-free.
It’s good because: This card is highly competitive, offering borrowers a staggeringly-long interest-free period on balance transfers. It is a great choice for those looking to consolidate their debts.