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BluKoo

Member

Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline

9th Jan 14 at 10:46

Been looking at the Tesco Internet Saver account @ 1.55% for 12 months, but just thought I'd see if anyone knows of any better account out there?

http://www.tescobank.com/savings/savingsaccounts/internetsaver/apply.html

pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

9th Jan 14 at 10:51

There is fuck all out of there, I bought a house earlier than I wanted to as I'm fed up of making no money on my money

luciaadr

Member

Registered: 11th Aug 04
Location: Bexleyheath, Greater London
User status: Offline

9th Jan 14 at 11:21

http://www.moneysavingexpert.com/savings/savings-accounts-best-interest

Aleex

Member

Registered: 21st Jul 09
Location: Plymouth
User status: Offline

9th Jan 14 at 11:40

no such thing these day, buy a house.

if you already have one, buy another!

Marc

Member

Registered: 11th Aug 02
Location: York
User status: Offline

9th Jan 14 at 11:55

I remember back in the day 7.5% for an ISA and 6.5% for a HISA

Robbo

Member

Registered: 6th Aug 02
Location: London
User status: Offline

9th Jan 14 at 12:17

They dont exist currently. I looked into one and the best you could gte was about 3%.

Bonds are your best bet but then money is tied up... Gov't bonds from Italy, Spain and Portugal have a very high yield if you are willing to be a bit risky...

Robbo

Member

Registered: 6th Aug 02
Location: London
User status: Offline

9th Jan 14 at 12:18

quote:
Originally posted by Aleex
no such thing these day, buy a house.

if you already have one, buy another!

BTL mortgages require min. 20% deposit usually, so siognificantly easier said then done...

Aleex

Member

Registered: 21st Jul 09
Location: Plymouth
User status: Offline

9th Jan 14 at 12:30

fair, i have absolutely no knowledge on buy to let mortages lol

dannymccann

Member

Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline

9th Jan 14 at 12:37

I thought it was closer to 50%, but then I looked a few years back before buying my personal property instead

Robbo

Member

Registered: 6th Aug 02
Location: London
User status: Offline

9th Jan 14 at 12:54

You can find some with 20% still IIRC but most are higher. Think 50% is a bit prohibitive....

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Offline

9th Jan 14 at 12:58

High street spec deposit-and-forget will be terrible.

Can you not add it on to the rest of your stuff? Surely that must be doing more than even the best tax free stuff.

BluKoo

Member

Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline

9th Jan 14 at 13:19

quote:
Originally posted by Ian
High street spec deposit-and-forget will be terrible.

Can you not add it on to the rest of your stuff? Surely that must be doing more than even the best tax free stuff.

I want to have this cash easily accessible, so a more conventional account would be better suited than shares or an ISA.

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Offline

9th Jan 14 at 13:25

That's the downside to locking it away I suppose.

Robbo

Member

Registered: 6th Aug 02
Location: London
User status: Offline

9th Jan 14 at 13:50

Best one I think then was the Santander (?) 3% CURRENT (

) account.

AndyKent

Member

Registered: 3rd Sep 05
User status: Offline

9th Jan 14 at 13:52

First direct regular saver, 4.8% after tax but max £3600. Otherwise, P2P lending, think Zopa offers around 4% over 3 years but you can withdraw early and pay a small penalty.

RichR

Premium Member

Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline

9th Jan 14 at 14:00

quote:
Originally posted by Robbo
You can find some with 20% still IIRC but most are higher. Think 50% is a bit prohibitive....

We only put down 20% on each of our BTL and the 20% for the second came out of the equity of the first so we've effectively only put 20% of our own money down on one set of flats; tenants have paid the next deposit and the subsequent capital payments. Once you have one, its much more straight forward to get a second/third/etc.

Robbo

Member

Registered: 6th Aug 02
Location: London
User status: Offline

9th Jan 14 at 14:22

quote:
Originally posted by AndyKent
First direct regular saver, 4.8% after tax but max £3600. Otherwise, P2P lending, think Zopa offers around 4% over 3 years but you can withdraw early and pay a small penalty.

you sure? im with FD and dont get anywhere near that...

AndyKent

Member

Registered: 3rd Sep 05
User status: Offline

9th Jan 14 at 18:25

Its a product they've offered for years, although the rate dropped lately.

http://www1.firstdirect.com/1/2/savings/regular-savings-account

I've been earning 6.4% this year

Haimsey

Premium Member

Registered: 8th May 05
Location: Nottingham Drives: Corsa B
User status: Offline

9th Jan 14 at 18:45

I use Santander 123 and nationwide flex account paying 5% on 2.5k (1k in a month).

Marcy Marc

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