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
Fixed Rate Bond Deals of the Month
ProviderAccountInterest Rate (AER)TermApply
2.60%
minimum
3 YearApply Now >
  • Bank of England Base Rate +1.00% subject to a minimum of 2.60% AER
  • Manage your account online or by telephone
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Minimum opening balance of £25,000
  • No early withdrawals
2.85% to 3.85%5 yearApply Now >
  • Earn 2.85% in first 3 years then 3.85% AER for 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
Investing for Fixed Income
ProviderPlan NameCounterpartyISA OptionTermIncome YieldMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes6 years5.4%
fixed income per annum
More Info >
  • 5.4% 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 - 24 October 2014
  • Investment deadline for direct and NISA - 7 November 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 years7.62%
fixed income per annum
More Info >
  • 7.62% 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 - 12 September 2014
  • Investment deadline for direct and NISA by cheque - 19 September 2014 
  • Investment deadline for direct and NISA by bank transfer - 24 September 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 4 Quarterly Income PlanCredit Suisse AGyes
6 years
9%
per annum
More Info >
  • Up to 9% per year based on four FTSE 100 shares staying above 60% of their opening values
  • Quarterly payments
  • Available for NISA, NISA transfer and direct (non-NISA) investment
  • Investment deadline NISA transfers - 13 October 2014
  • Investment deadline for direct and NISA by cheque - 21 October 2014
  • Investment deadline for direct and NISA by bank transfer - 27 October 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
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
1.30%Instant AccessMore Info >
  • Instant Access
  • Monthly Interest
  • Manage your account online or by telephone
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Minimum opening balance of £25,000
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

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

 

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 option also available returning a potential 8%
  • Potential to mature early, from year 2 onwards
  • Available for NISA, NISA transfer and direct investment
  • Investment deadline NISA transfers - 24 October 2014 
  • Investment deadline for direct and NISA - 7 November 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 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 - 3 October 2014
  • Investment deadline for stocks and shares NISA transfers - 10 October 2014
  • Investment deadline NISA & non-NISA investments - 24 October 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
FTSE 4 / FTSE 100 Defensive Kick Out PlanCredit Suisse AGyesUp to
6 years
17%
after 18 months
More Info >
  • 17% after 18 months, or 17% plus an additioanl 6% for each six months thereafter provided four FTSE 100 stocks finish equal to or higher than the required kick out level
  • Potential to mature early every six months, from 18 months onwards
  • Kick out level reduces from 100% to 75% over the term
  • Available for NISA, NISA transfer and direct investment
  • Investment deadline NISA transfers - 22 September 2014
  • Investment deadline for direct and NISA by cheque - 30 September 2014
  • Investment deadline for direct and NISA by bank transfer - 6 October 2014
  • Capital is at risk if one or more stocks has fallen by more than 40% 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
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
2.96%4 YearsApply Now >
  • Earn 2.96% 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
2.75%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
2.65%3 YearApply Now >
  • Manage your account online or by telephone
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Minimum opening balance of £25,000
  • No early withdrawals
2.60%
minimum
3 YearApply Now >
  • Bank of England Base Rate +1.00% subject to a minimum of 2.60% AER
  • Manage your account online or by telephone
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Minimum opening balance of £25,000
  • No early withdrawals
up to 2.55%3 yearsApply Now >
  • Earn 2.45% AER for deposits between £10,000 and £30,000, 2.50% AER for deposits between £30,000 and £50,000, or 2.55% 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.
2.50%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%2 YearApply Now >
  • Earn 2.20% gross/AER fixed for 2 years
  • Interest paid monthly or annually
  • Manage your account online or by telephone
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Minimum opening balance of £25,000
  • No early withdrawals
up to 2.20%2 yearsApply Now >
  • Earn 2.05% AER for deposits between £10,000 and £30,000, 2.10% AER for deposits between £30,000 and £50,000, or 2.20% 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.
2.10%18 monthsApply 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.
2.00%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
2.00%15 monthsApply 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.
1.85%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 >
  • Manage your account online or by telephone
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Minimum opening balance of £25,000
  • No early 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.
1.50%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.