Savings Advice for someone with no plan...

Good Afternoon,

I honestly have read most of the guides on here and am still lost what is best for me...I may in fact be a financial moron. I am sorry of this has been answered a million times previously.

I am looking for some advice please based on the following details...

1. I am a 48 year old guy.
2. I have a 25 year £147,000.00 interest only mortgage, with around 10 years left to run.
3. I earn around £62,500.00 a year.
4. I have around £95,000.00 in a free access current account with Halifax with awful interest, say 0.1% or similar.
5. My mortgage is around £660 a month with Santander.
6. I have no ISAs or other saving accounts

I am looking to probably move in the next 18 months and would like to maximise my savings, but as I don't know exactly when I will be moving, I need to ensure that any accounts have free access to the money in the account with no more than 30 days notice (without penalties) and I need to have at least one account with normal everyday access at high a rate of interest as possible. I would also like any interest to be paid monthly so I don't have to wait to the end of the year if I do decide to move...if that makes sense or how it works.

Can you assist with some advice please?

Thanks in advance


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