Savings & Investment Specialist

Oliver Roylance-Smith, Director

Fair Investment Company provides innovative solutions from high street and private banks as well as leading investment providers allowing you to compare the latest deals and offers.


We're here to help you get a fairer deal for your money by providing you with exceptional choice, value and service.

Oliver Roylance-Smith, Head of Savings & Investments
Savings Deals of the Month
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
Kick Out DepositInvestec Bank plcyesUp to
6 years
4.75%
per annum
More Info >
  • 4.75% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Also available for Cash NISAs & NISA transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
5 Year Deposit Plus PlanInvestec Bank plcyes5 years20% fixed or 100% of FTSE 100 growth (no limit)More Info >
  • Target return of 20% gross or 100% of any growth in the Index if higher
  • Capital protected
  • Low minimum - £3,000
  • Short/medium alternative to fixed rates
  • Also available for Cash NISA & NISA Transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only recieve a return of your original capital
Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.
Investing for Fixed Income
ProviderPlan NameCounterpartyISA OptionTermIncome YieldMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes6 years5.28%
fixed income per annum
More Info >
  • 5.28% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for NISA, NISA transfer and direct investment 
  • Investment deadline for NISA transfers - 5 December 2014
  • Investment deadline for direct and NISA - 19 December 2014
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 5 Monthly Income PlanMorgan Stanley BVyes6 years7.32%
fixed income per annum
More Info >
  • 7.32% fixed income paid regardless of the performance of five FTSE 100 shares
  • Monthly income
  • Available for NISA, NISA transfer and direct investment 
  • Investment deadline for NISA transfers - 3 December 2014
  • Investment deadline for direct and NISA by cheque - 11 December 2014 
  • Investment deadline for direct and NISA by bank transfer - 17 December 2014
  • Capital is at risk if one or more shares has fallen by more than 50% at the end of the term, in which case your initial investment will reduce by 1% for each 1% fall of the lowest performing share
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
Income Investment Plans selection
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE Income Accumulator PlanMorgan Stanleyyes6 years6.75%
per annum
More Info >
  • Up to 6.75% per year based on the performance of the FTSE 100
  • Quarterly payments
  • Available for NISA, NISA transfer and direct investment
  • Investment deadline for NISA transfers - 22 December 2014
  • Investment deadline for direct and NISA - 31 December 2014
  • Capital is at risk if the FTSE 100 Index finishes below 4000 points at the end of the investment term, in which case your initial investment will reduce by 1% for each 1% fall below its starting value
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
Instant Access Savings Accounts Deals
ProviderAccountInterest Rate (AER)TermApply
1.25%Instant accessMore Info >
  • Minimum deposit £500
  • Interest paid on balances above £500 and below £1,000,000
  • Manage your account in branch or online  
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be aged 18 or over and a UK resident

0.75%Easy AccessMore Info >
  • Monthly and Annual Interest Options 
  • Access – online, telephone and post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Minimum deposit £1,000
  • Variable interest rate

 

0.50%Instant accessMore Info >
  • Balances from £1 to £24,999 receive a rate of 0.50% AER/0.50% Gross p.a. (variable) rising to 0.75% AER/0.75% Gross p.a. (variable) for balances of £25,000 and over.
  • No penalties and no withdrawal charges 
  • Manage your account online, in branch or by phone 
  • Over 16s only

Growth Investment Plan Selection
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years
10.25%
per annum
More Info >
  • 10.25% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Alternative collaterised options also available returning a potential 8% / 7.5% 
  • Potential to mature early, from year 2 onwards
  • Available for NISA, NISA transfer and direct investment
  • Investment deadline NISA transfers - 5 December 2014 
  • Investment deadline for direct and NISA - 19 December 2014
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
UK Kick-out PlanAviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plcyesUp to
6 years
9.1%
per annum
More Info >
  • 9.1% for each year (not compounded) provided the FTSE 100 finishes equal to or higher than its starting value
  • Potential to mature early, from year 2 onwards
  • Available for NISA, NISA transfer and direct investment
  • Investment deadline stocks and shares NISA transfers - 19 December 2014
  • Investment deadline for cash NISA transfers - 29 December 2014
  • Investment deadline for direct and NISA - 9 January 2015
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £10,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
UK Growth PlanAviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plcyes6 years10 x FTSE
(60% cap)
More Info >
  • Return of 10 x FTSE 100 growth, capped at 60%
  • Available for ISA, ISA Transfer and Direct Investment
  • Investment deadline for cash NISA transfers - 19 December 2014
  • Investment deadline for stocks and shares NISA transfers - 29 December 2014
  • Investment deadline NISA & non-NISA investments - 9 January 2015
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £10,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
Fixed Rate Bond Selection
ProviderAccountInterest Rate (AER)TermApply
2.8% to 3.3%5 yearApply Now >
  • 3.0% average AER - earn 2.8% AER for the first 3 years followed by 3.3% AER for the next 2 years
  • Manage your account online or by telephone
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Minimum opening balance of £25,000
  • No early withdrawals
  • Account must be funded by 28th January 2015
3.01%5 YearsApply Now >
  • Earn 3.01% gross/AER fixed for 5 years
  • Interest paid monthly, annually or on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • £2,000 minimum deposit
  • Penalty for early withdrawal
2.96%5 YearsApply Now >
  • Earn 2.96% gross/AER fixed for 5 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account 
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals allowed
  • Bond designed to be held for full term
2.90%5 YearApply Now >
  • Manage your account online, by phone or post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
  • No withdrawals
2.90%5 YearsApply Now >
  • Save from £25,000 to £1,000,000
  • Manage your account in branch or online  
  • Interest paid monthly, annually or on maturity
  • Sole or joint accounts available
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be aged 18 or over and a UK resident
  • No additional deposits or withdrawals permitted during the term

2.75%4 YearApply Now >
  • Manage your account online, by phone or post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
  • No withdrawals
2.61%4 YearsApply Now >
  • Earn 2.61% gross/AER fixed for 4 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account 
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals allowed
  • Bond designed to be held for full term
up to 2.45%3 yearsApply Now >
  • Earn 2.35% AER for deposits between £10,000 and £30,000, 2.40% AER for deposits between £30,000 and £50,000, or 2.45% AER for deposits between £50,000 and £200,000.
  • Minimum opening balance of £10,000; maximum balance £200,000.
  • Interest paid monthly, quarterly or at maturity
  • Available as a single or joint account
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.
2.36%3 YearsApply Now >
  • Earn 2.36% gross/AER fixed for 3 years
  • Interest paid monthly, annually or on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • £2,000 minimum deposit
  • Penalty for early withdrawal
2.35%3 YearApply Now >
  • Manage your account online, by phone or post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
  • No withdrawals
2.20%3 YearsApply Now >
  • Earn 2.20% gross/AER fixed for 3 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals allowed
  • Bond designed to be held for full term
up to 2.10%2 yearsApply Now >
  • Earn 2.00% AER for deposits between £10,000 and £30,000, 2.05% AER for deposits between £30,000 and £50,000, or 2.10% AER for deposits between £50,000 and £200,000.
  • Minimum opening balance of £10,000; maximum balance £200,000.
  • Interest paid monthly, quarterly or at maturity
  • Available as a single or joint account
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.
2.06%2 YearApply Now >
  • Earn 2.06% gross/AER fixed for 2 years
  • Save from £2,000
  • Interest paid monthly or on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Withdrawals not permitted during the term

 

2.00%2 YearApply Now >
  • Manage your account online, by phone or post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
  • No withdrawals
1.80%1 YearApply Now >
  • Save from £10,000 to £1,000,000
  • Manage your account in branch or online  
  • Interest paid on maturity
  • Sole or joint accounts available
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be aged 18 or over and a UK resident
  • No additional deposits or withdrawals permitted during the term

1.75%1 YearApply Now >
  • Manage your account online, by phone or post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
  • No withdrawals
up to 1.70%1 yearApply Now >
  • Earn 1.55% AER for deposits between £10,000 and £30,000, 1.60% AER for deposits between £30,000 and £50,000, or 1.70% AER for deposits between £50,000 and £200,000.
  • Minimum opening balance of £10,000; maximum balance £200,000.
  • Interest paid monthly, quarterly or at maturity
  • Available as a single or joint account
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.

 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future. The products shown will be arranged on a non-advisory basis, unless otherwise agreed. Different types of investment carry different levels of risk and may not be suitable for all investors.

Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature.  If you are at all unsure of the suitability of a particular product for your circumstances you should seek independent financial advice. Please refer to our Non Advisory Terms of Business and Disclaimer & Privacy Statement  for further information.

The Financial Conduct Authority does not regulate taxation and trust advice, debt management, unsecured loans, credit cards, advice on household bills and some aspects of deposits, buy to let mortgages and secured loans. The information and content of this website is subject to the UK regulatory regime and is therefore intended for UK consumers.