Lee Boyce

Extra competition currently in the market, Georgie.

And actually, I think with the change up on the direction of travel with base rate, where we look like they were now doing reductions before the Iran conflict, things were going one way.

They were nudging slightly lower.

Deals were getting less attractive.

You know, returns just weren't as good as they were 18 months ago.

Then the kind of markets changed in terms of where it looked like interest rate decisions were heading.

We saw mortgage rates spike quite quickly in the first few weeks of the Iran sort of conflict.

And that has had a knock on effect to savings deals because the way banks price these up, you know, and they have to stay competitive to get the cash in.

And you're right.

easy access accounts haven't really been moving too much but people seem to be going and heading to them way more than fixes at the moment which is probably that kind of philosophy of having your money at arm's length i would say you know in case of an emergency kind of thing but if you can fix um there are some really attractive short-term fixes out there and we're back in a kind of time now where a one year or two year fix is probably going to pay you just as much as if you locked up your money for five years

So, for example, on a non-cash ISA front, you can get 4.85% with MB&A, which is Lloyds-owned.

And fixed-rate ISAs aren't far behind.

The top fixed-rate cash ISA is 4.66% from Vanquish.

And I think I was saying this on the show not too long ago.

Some of the big banks are actually offering good rates, which is, honestly, it's been years since we've had anything even noteworthy.

But you can get 4.55% with Halifax or Lloyds and Bank of Scotland or 4.5% with Nationwide.

That's a fixed rate ISA.

That's up almost one percentage point compared to a couple of months ago.

The good thing about the Lloyds, Halifax and Bank of Scotland ISAs is they let you take your tax-free interest monthly rather than just once a year, which is...

A quite popular way for especially retirees to use ISAs, you know, you can put your money in, you might have built up, you know, a big kind of pot of tax-free cash, and you can almost draw on it like an extra salary, basically, and top up your income.