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ISA round up - 6th November

Base Rate being held at 5.25% has done little to help fixed ISA rates with several providers cutting last week and more expected this week.  Zopa continues to lead the way on 2, 3 and 5 Year Fixed, although it has been joined by Close Brothers on the latter.  Virgin's 5.85% 1 Year is miles ahead of any other rate but looks overpriced in the current climate.  Gatehouse Bank moved top of easy access - adding 0.50% to its rate late on Friday to take top spot, as it withdrew its fixed ISA range. Here's our round up of the best buys and key changes in the Individual Savings Account markets:

Easy Access ISA

We have a new best buy with Sharia provider, Gatehouse Bank, taking top spot with a rate of 5.15% late on Friday. Zopa Bank drop to second paying 5.08%, but this is for new subscriptions only initially. Cynergy Bank are next best at 5.07%, ahead of Virgin Money at 5.06%. The Virgin account pays a lower rate of 2% if more than three withdrawals are made in a calendar year. There's a drop then to Charter Savings Bank and Sainsbury's Bank at 4.91%.  Kent Reliance pay 4.82% and Leeds Building Society offer 4.80% to complete the top eight.

Notice ISAs

There's a new best buy as Mansfield Building Society improves the rate on its 180 Day Notice to 5.30%. There's three way tie for second with West Brom Building Society and Stafford Railway Building Society paying 5.25% for 60 Days' Notice. Teacher's Building Society also pays 5.25% but wants 180 Days' Notice for this and 120 Days in return for 5%. Chorley Building Society are fifth with their 150 Day Notice paying 5.05%.  Loughborough Building Society pay 5% for 180 Days Notice and 4.75% for 120 Day Notice. Melton Building Society pay 5.05% but isn't included in our tables as it is only accessible via their branches. With several easy access ISA rates now above 5%, no other notice accounts warrant consideration in our view.

1 Year ISA

Virgin Money still lead the way at 5.85% - savers must have or open a Virgin Money current account to get this rate - but this looks increasing isolated as it is a long way back to Charter Savings Bank at 5.67% in second spot.  Get it while you can as we can't see if being beaten! Kent Reliance are third paying 5.66% with Zopa next at 5.61% and UBL Bank and United Trust tied at 5.60%. 

2 Year ISA

Zopa Bank are the new best buy at 5.61% with Scottish Building Society next at 5.51% as most of the best rates were cut last week. Cambridge Building Society and UBL Bank are tied at 5.50% ahead of OakNorth at 5.48% and United Trust Bank at 5.45%. 

3 Year ISA

Zopa pay a best buy 5.37% ahead of Close Brothers at 5.35%.  Principality Building Society and United Trust are tied at 5.30% before a drop to Cynergy and Castle Trust Bank at 5.15%. Secure Trust are at 5.11%.

5 Year ISA

Zopa Bank pay a best buy 5.05% alongside Close Brothers, who were a rare provider increasing their rate last week. Secure Trust and UBL are tied at 5.01% with all other providers under 5%. United Trust pay 4.95% and Hinckley & Rugby offer 4.90%.

Lifetime ISA

Moneybox pay a best buy 4.25% - but their rate does include a 0.75% bonus for 12 months.  Nude Finance pay 3.80% but their rate comes with a £2 monthly fee.  Bath Building Society are at 3.79% ahead of Paragon Bank at 3.51%. Beehive Money are just behind at 3.50%. Skipton Building Society pay 3.25% and Newcastle Building Society are lagging at 3%.

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