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
Investing for Fixed Income
ProviderPlan NameCounterpartyISA OptionTermIncome YieldMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes6 years5.52%
fixed income per annum
More Info >
  • 5.52% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfers - 9 May 2014
  • Investment deadline for direct and ISA - 23 May 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
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 4 Quarterly Income PlanCredit Suisse AGyes
6 years
8.6%
per annum
More Info >
  • Up to 8.6% per year based on four FTSE 100 shares staying above 60% of their opening values
  • Quarterly payments
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfers - 18 April 2014
  • Investment deadline for 2013/14 ISA - 4 April 2014
  • Investment deadline for direct and 2014/15 ISA - 30 April 2014
  • Capital is at risk if one or more shares has fallen by more than 50% at maturity from its starting value, 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
UK Target Income PlanAviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plcyes
6 years
6%
per annum
More Info >
  • Up to 6% per year based on the performance of the FTSE 100
  • Quarterly payments
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline stocks and shares ISA transfers - 17 April 2014
  • Investment deadline cash ISA transfers - 25 April 2014
  • Investment deadline for direct and ISA - 9 May 2014
  • 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.
Instant Access Savings Accounts Deals
ProviderAccountInterest Rate (AER)TermApply
1.00%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 4 Defensive Autocall PlanCredit Suisse AGyesUp to
6 years
13.5%
per annum
More Info >
  • 13.5% for each year (not compounded) provided four FTSE 100 stocks finish equal to or higher than the required kick out level
  • Potential to mature early every year, from year 1 onwards
  • Kick out level reduces from 95% to 65% over the term
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfers - 11 April March 2014
  • Investment deadline for 2013/14 and ISA by cheque or bank transfer - 4 April 2014
  • Investment deadline for direct and 2014/15 ISA by cheque or bank transfer - 23 April 2014
  • Capital is at risk if one or more stocks has fallen by more than 50% at maturity from their starting value, in which case your initial investment will reduce by 1% for each 1% fall of the lowest performing stock
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 4 FTSE 100 Autocall PlanBNP ParibasyesUp to
6 years
12%
per annum
More Info >
  • 3% for each quarter (not compounded) provided four of the largest FTSE 100 companies share prices finish equal to or higher than their starting value
  • Potential to mature early, from quarter 4 onwards
  • Kick out level reduces to 75% at the end of year 6
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfers - 22 April 2014
  • Investment deadline for 2013/14 ISA by cheuqe or bank transfer - 4 April 2014
  • Investment deadline for direct and 2014/15 ISA by cheque or bank transfer - 2 May 2014
  • 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 £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years
9.75%
per annum
More Info >
  • 9.75% 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 7.5% or 8% each year
  • Potential to mature early, from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfers - 9 May 2014
  • Investment deadline for direct and ISA - 23 May 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
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
3.00%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
2.66%4 YearsApply Now >
  • Earn 2.66% 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
2.15%3 yearsApply Now >
  • Minimum opening balance of £1,000, up to a maximum balance of £1,000,000
  • Interest paid annually
  • 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.
2.20%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
1.90%1 YearApply Now >
  • Save from £20,000 
  • Interest paid semi-annually
  • Apply online 
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Over 18s only
  • UK residents only
  • No withdrawals or additional deposits

1.80%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
1.60%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
1%18 MonthsApply Now >
  • Open to new and existing customers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • No withdrawals or additional deposits allowed
  • £5,000 minimum deposit
0.75%9 MonthsApply Now >
  • Open to new and existing customers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • No withdrawals or additional deposits allowed
  • £5,000 minimum deposit

 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.