Savings Maximiser

Latest Investment Commentary

Where will the FTSE 100 go from here

Oliver Roylance-Smith / 11 June 2013

Despite the FTSE 100 recently finishing at its highest level since the turn of the century, it still remains a difficult time for investors when deciding what might happen next – will it be cl... Read more

Calling all investors: our experienced investor section

Oliver Roylance-Smith / 28 May 2013

Whether it’s the potential for a steady flow of competitive income, or perhaps the opportunity to enhance your capital in line with the stock market over the medium term, finding and selecting... Read more

Investment Focus: Investec Enhanced Income Plan

Oliver Roylance-Smith / 28 May 2013

By combining a high fixed income with conditional capital protection, the Enhanced Income Plan from Investec Bank has been our most popular income investment. With the need for income being at the f... Read more

Latest Savings News

Inflation falls but what does this mean for savers

Oliver Roylance-Smith / 10 June 2013

Last month’s dip in inflation to 2.4% was a welcome one for savers and means there could be a few more ‘inflation-beating’ savings accounts on offer. But is this a case of inflatio... Read more

Compare Top Cash ISAs

James Caldwell / 15 May 2013

With the Bank of England base rate stuck at an historic low of 0.5%, and the Government's Funding for Lending scheme lessening the banks’ reliance on savers, top cash ISA rates are harder to c... Read more

What are structured deposits and why are they proving so popular

Oliver Roylance-Smith / 14 May 2013

With the current market for fixed rate savers at one of its lowest points, and the future outlook not much better, making sure that we understand all of the options available to us is more important... Read more

What Our Clients Say About Us

Fair Investment Company

"I really do appreciate the level of service and responsiveness Fair Investment Company provided. Big banks ought to learn from that."
Mr Gioan, West Midlands

"Your factsheets are wonderful – informative, concise, unambiguous – an absolute delight. Fair Investment have fulfilled a one shop stop in my wants list and have no desire to wander!"
Mr Johnson, Powys

"Our dealings with Fair Investment have been excellent – our accounts were set up much more quickly than with traditional institutions, and we are already feeling the benefit of increased interest income."
Richard Pendlebury MBE and charity trustee

 

More Testimonials »

Savings & Investment Specialist

Oliver Roylance-Smith, Head of Investment and Savings

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

Instant Access Savings Accounts Deals
ProviderAccountInterest Rate (AER)TermApply
1.73%*Instant AccessApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • All money held in your name
  • Online Access
  • £100k minimum deposit
  • Service fee of 0.20% pa
  • £5k minimum must be held on deposit with Cater Allen Private Bank
1%Easy AccessApply Now >
  • No bonus account
  • Transfers accepted
  • Minimum deposit £1000
  • Access – online, telephone and post
  • Variable interest rate

 
Fixed Rate Cash ISA Selection
ProviderAccountInterest Rate (AER)TermApply
2.25%3 YearApply Now >
  • Minimum opening balance of £1,000
  • Manage your account online
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
1.85%1 YearApply Now >
  • Minimum opening balance of £1,000
  • Manage your account online
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
Cash Deposit Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
Money Builder Deposit Plan (Memory)SG Hambrosyes6 years6.65%
per annum		More Info >
  • Potential annual income of 6.65%
  • Income paid if x5 shares finish above 95% of their starting values
  • Missed payments added to future payment next time anniversary level above 95% 
  • Capital protected
  • Medium/long term alternative to fixed rates
  • Also available as a Cash ISA & for Cash ISA transfers
  • 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
Deposit Growth PlanInvestec Bank plcyes5 years120% x any FTSE 100 growth (no limit)More Info >
  • Return of 120% x any FTSE 100 growth, no upper limit
  • Capital protected
  • Low minimum - £3,000 
  • Short/medium term alternative to fixed rates 
  • Also available for Cash ISA & Cash ISA transfers
  • 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 
6 Year Growth Deposit BondCater Allen Private Bankyes6 years125% x any FTSE 100 growth (35% Cap)More Info >
  • Return of 125% x any FTSE 100 growth, capped at 35%
  • Capital protected
  • Low minimum - £500
  • Medium/long term alternative to fixed rates
  • Also available for Cash ISA & Cash ISA transfers
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Returns capped at 35%
  • Returns not guaranteed. You may only receive 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.
Growth Investment Plan Selection
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE Top 3 Autocall PlanBNP ParibasyesUp to
6 years		12%
per annum		More Info >
  • 12% for each year (not compounded) provided the largest three FTSE 100 companies share prices finish equal to or higher than their starting value
  • Potential to mature early, from year 1 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 - 14 June 2013
  • Investment deadline for direct and ISA (cheque) - 25 June 2013
  • Investment deadline for direct and ISA (Electronic transfer) - 26 June 2013
  • Capital is at risk if the FTSE 100 Index 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
  • 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
5 years		8.25%
per annum		More Info >
  • 8.25% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfers - 28 June 2013
  • Investment deadline for direct and ISA - 12 July 2013
  • 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
  • Product designed to be held for the full term
FTSE 100 Defined Returns Plan Investec VersionInvestec Bank plcyesUp to
5 years		65%More Info >
  • Fixed return of either 39% at the end of year 3 or 65% at the end of year 5 provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early at the end of year 3
  • Available for ISA, ISA Transfer and Direct Investment
  • Investment deadline ISA transfers - 28 June 2013
  • Investment deadline for direct and ISA - 12 July 2013
  • 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
2.88%*5 YearApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • All money held in your name
  • Online Access
  • £100k minimum deposit
  • Service fee of 0.20% pa
  • £5k minimum must be held on deposit with Cater Allen Private Bank
2.56%5 YearsApply Now >
  • Earn 2.56% gross/AER fixed for 5 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account 
  • No withdrawals allowed
  • Bond designed to be held for full term
  • Must be UK resident and over 18
2.40%*3 YearApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • All money held in your name
  • Online Access
  • £100k minimum deposit
  • Service fee of 0.20% pa
  • £5k minimum must be held on deposit with Cater Allen Private Bank
2.26%3 YearsApply Now >
  • Earn 2.26% gross/AER fixed for 3 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account
  • No withdrawals allowed
  • Bond designed to be held for full term
  • Must be UK resident and over 18
2.10%*2 YearApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • All money held in your name
  • Online Access
  • £100k minimum deposit
  • Service fee of 0.20% pa
  • £5k minimum must be held on deposit with Cater Allen Private Bank
1.90%*1 YearApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • All money held in your name
  • Online Access
  • £100k minimum deposit
  • Service fee of 0.20% pa
  • £5k minimum must be held on deposit with Cater Allen Private Bank
1.80%3 yearsApply Now >
  • Earn 1.80% gross/AER fixed for 3 years
  • Deposits are 100% guaranteed by Santander UK plc
  • Interest can be paid gross - subject to eligibility
  • No withdrawals allowed during the term
  • Minimum deposit of £50,000
1.74%18 MonthsApply Now >
  • Open to new and existing customers
  • No withdrawals or additional deposits allowed
  • £5,000 minimum deposit
1.60%2 yearsApply Now >
  • Earn 1.60% gross/AER fixed for 2 years
  • Deposits are 100% guaranteed by Santander UK plc
  • Interest can be paid gross - subject to eligibility
  • No withdrawals allowed during the term
  • Minimum deposit of £50,000
1.50%9 MonthsApply Now >
  • Open to new and existing customers
  • 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 Services 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.

Savings and Investment