The Top Fixed Interest Savings Discussion Area

DavidAC

It's no an institution though, it seems to be all of them.

Rudyson

Rudyson said:

AmityNeon said:

If you start a fresh application right now as a new customer, you'll be presented with the following options:

It's the best 1-year fix at the moment.

That's exactly what I got

Re my Al Rayan fix. As a follow up, I've now received written confirmation details of the account at 5.85%. 

I don't know whether those same options are still available, the website only shows 5.70%, but then it did when I applied.

4justice2

Ford Fixed Saver taken off sale for the moment.

BooJewels

4justice2 said:

Ford Fixed Saver taken off sale for the moment.

I'd noticed that they'd reduced the interest rate and the product range - there was only a 1 year available last night.  Looks like I was just in time when I secured a 2 year about 3 weeks ago.  They were the last of the ones I've personally been following (that meet my specific criteria) recently to remain available.

PragueAddick

Small but positive postscript to my posts above re new home for a maturing Secure Trust 1 year bond. It matures on 28 December. I thought I'd in the meantime lost out when they lowered the rate for 1 year fixed to 5.26%. However I decided to secure that rate anyway and see what happens (Secure Trust offer a 30 day window forfunding unlike Investec who offer only 7 working days). Anyway when I went on the website to provide my reinstructions I was pleased to be offered the old rate of 5.51%. It applied to those of us with a maturing 1 year bond up to 10th Jan. So of course I snapped it up there and then, at least up to the overall 85k limit.

A small but elegant way to keep and reward loyal customers. First class!

SaveTheEuro

Hampshire Trust Bank six month fix @ 5.56% is no longer available. 

jaypers

Just looking this morning and rates seem to have fallen off a cliff. Good news with the inflation figures today which I think explains some of this. Charter 1 Year now down to 5.1% from 5.37%. Definitely a levelling off now with Easy Access rates.

pecunianonolet

Almost no spread anymore between easy access and a fix means that banks expect rates to fall significantly in the short run.

Could be interesting how this plays out closer to an election and how parties will try to capitalise with it. 

auser99

pecunianonolet said:

Almost no spread anymore between easy access and a fix means that banks expect rates to fall significantly in the short run.

Could be interesting how this plays out closer to an election and how parties will try to capitalise with it. 

I was surprised the easy access Shawbrook account at 5% is better than all their fixed term bonds.
 Their easy access ISA at 4.7% is now a better rate than all their fixed versions too.
Madness.

RKO1

I too have noticed banks and building society's are reducing their interest rates. be interesting to see what the rates are next year