Expert tips to make your money stretch

Barclays Bank has launched a new two-year fixed rate ISA paying 2.02 per cent on maturity, or a monthly option paying 2 per cent. Savers can invest from as little as £1.

Additions are permitted until April 5, 2015, and three penalty-free withdrawals are permitted up to 10 per cent of the balance during the term; any withdrawals thereafter are upon closure of the account and subject to 180 days' loss of interest. Transfers in from other cash ISAs are also permitted. This deal is for savers aged 16 and over and can be operated in branch, by telephone or online.

This new two-year fixed rate ISA from Barclays Bank is highly competitive. Paying 2.02 per cent this deal heads straight to the top ten in its sector.

With penalty-free withdrawals and transfers in allowed, this deal offers more flexibility than many fixed rate ISAs on the market today and is likely to be a popular choice for savers looking for a high street brand.

BM Savings has increased the rate on its Easy Access ISA which now pays 1.55 per cent upon its anniversary, including a bonus of 1.05 per cent for 12 months. A monthly option is also available paying 1.54 per cent.

Savers can invest from as little as £1 and additions and early access to funds are permitted. Transfers in from other ISAs are also allowed. This deal is for savers aged 16 and over and can be operated by post only.

It also heads straight to the Moneyfacts.co.uk Best Buys. This is likely to be a popular product for those looking to kick-start their tax-free savings, however, savers will need to review the rate before the introductory deal ends to ensure competitive returns are maintained.

Norwich & Peterborough Building Society has reviewed its two-year fixed rate mortgage, which is now priced at 2.44 per cent. This deal is for all customers who borrow from £25,001 at 75 per cent loan-to-value.

A fee of £345 is payable and an incentive package of £500 rebate for first and second-time buyers as well as free valuation and free legal fees for remortgage customers is available. This deal also has the flexibility of being able to make overpayments by up to 10 per cent, make underpayments and take payment holidays.

This deal is reasonably priced in its sector. Couple this with a great incentive package which includes a £500 rebate for house purchase customers as well as free valuation and legal fees for those remortgaging and this makes a great product for borrowers looking to keep their initial costs down.