Financial advice - banking/savings/credit cards

[Robi]

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[Kreeeee]

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[Sui]

Try using this for the 'where to keep your money' aspect:

https://www.bankaccountsavings.co.uk/calculator

Credit cards - have you looked at the santander one? I believe they offer cashback on it?

 

[Mercenary Keyboard Warrior]

Ratesetter will get you around 6% interest rate.

Only if he ties up his deposit as those rates are lending for 5 years...

The santander 123 account has a few criteria you need to meet, 2 active DDS and a minimum monthly deposit (can just take it out and pay it back in from a non santander account)
Its certainly not a bad place to hold it.
Currently high interest current accounts beat savings, they are where the banks are competing and they still don't really want/need savers money

Ratesetter is an option, the monthly rolling will net you around 3.4% interest and your only tied for 30 days max (you can even sell out should you need it even faster)

The only thing I will say is that saving for a house is a difficult thing to do due to rising prices. Your in effect losing ground constantly as 2% inflation on a £150k house is £3k per year, you would need to be making that in interest to stand still.
So unless you are expecting a fall in house prices or to suddenly come into a lot of cash to materially affect the rate you can borrow at don't delay buying(in my opinion)