Savings products

We have 3 savings products for your clients.

Each of these products can be offset against your clients' mortgage, to reduce the amount of interest they pay.

Clients must open (or already have) an Intelligent Finance direct access savings and current account along side their mortgage application.

	Direct Access Savings	Cash ISA	Intelligent Finance isaver
Interest rate	1.40% AER/Gross variable	2.10% AER/Gross variable	3.25% AER/Gross variable
Minimum deposit	£1	£1	£1
Online/phone banking	Yes	Yes	Online only
Charges	Tell me more	Tell me more	Tell me more
Tax status	Net of tax (currently 20%) unless clients register with us to receive gross interest	Interest will be paid tax free	Net of tax (currently 20%) unless clients register with us to receive gross interest
Conditions for bonus payment	Not applicable	Not applicable	Not applicable
Withdrawal arrangements	Unlimited withdrawals by transfer to another account without loss of interest	Unlimited withdrawals by transfer to another account without loss of interest	Unlimited withdrawals by transfer to another account without loss of interest