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Aldermore Fixed Rate ISAs

The Very Latest Cash ISA rates

The current ISA allowance is £20,000. Use our cash ISA tables below to compare a selection of market-leading cash ISAs for instant access, fixed rates and alternative ideas to maximise your tax free returns.

Review of Aldermore Fixed Rate ISA

Aldermore offer a wide range of savings options including flexible fixed rate and variable ISAs. Check our tables for more details on rates and comparison.

History

Aldermore Group PLC is a specialist lender and savings bank offering their products to small and medium-sized Enterprises), homeowners, landlords and individuals. They don’t have branches but serve customers and intermediary partners online, by phone and face to face through our network of twelve regional offices located around the UK. They were founded in 2009.

As this is a flexible cash ISA, you can choose how long to tie your money up for. They offer 1,2 and 3 year ISA deals. 

Aldermore offer:

  • All interest tax free for the duration of your term
  • Maximise your ISA allowance – you can split your ISA allowance between any of our Cash ISA products, as long as you don’t exceed your annual ISA allowance
  • Flexibility. Their Cash ISAs are flexible regarding withdrawals.
  • Peace of mind. Their Fixed Rate Cash ISAs have a fixed interest rate for a set period and they will write to you before your account matures
  • Fast and easy set up. You can open an account, complete identity checks and move your money in minutes
  • Easily transfer ISAs from other providers. They will process the transfer electronically or provide an ISA Transfer Form for you to complete and return

The Minimum deposit for this account is £1,000. You can request to transfer in an ISA held with another provider at account opening stage only, it must be completed within 20 business days.

You can withdraw money from this tax year or previous tax years if you need to, although there will be an interest deduction. 

You can also replace money you’ve withdrawn without the replacement counting towards your annual ISA subscription limit, providing you replace the funds in the same tax year you withdraw them which makes it a very flexible fixed ISA.

Why use a Fixed Rate ISA?

Typically, a fixed-rate Isa account will pay more interest. In exchange for a higher rate, banks will ask you to tie up your cash. Generally, the longer you give up access, the higher the return. As it is a guaranteed amount, you know what you will end up with at the end which makes it a lot safer than investing.

ISAs are a good idea whatever your savings goal. With certain types of cash ISAs, you have instant access to your money, which makes it a flexible way to plan your finances.

It’s also important to remember that ISA allowance limits apply to everyone on an individual basis, so if you’re married or in a relationship, you can both hold your own ISA, each with the full allowance, meaning you can save over £40,000 between you.

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Latest News

Investment ISA Pros and Cons

7th August 2020

The tax-free returns offered by an Investment ISA (otherwise known as a Stocks and Shares ISA) can be very tempting at first glance - however, as with any investment, it is important to weigh up the pros and cons. So we've put together a list of what you need to consider before opening your own Stocks and Shares ISA account. 

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