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Four new openings for an outstanding summer on the Mediterranean

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Suite life: Four hotels that will leave you wanting for nothing 2025-12-11 07:56:06

Suite life: Four hotels that will leave you wanting for nothing

Quinta do PinheiroAlgarveIt’s increasingly hard to find somewhere off the beaten track in the Algarve but Quinta do Pinheiro, a converted 19th-century farmstead, is one of them. Bordering the sandy dunes of Ria Formosa Park, this property is made up of five terracota-tiled cottages.Lisbon-based architect Frederico Valsassina preserved key features of the buildings, such as their prominent chimneys, and used traditional materials including cane strips to create rustic living quarters.A large water-storage tank once used by farmhands is now a pool. Each cottage comes equipped with a kitchen but Monocle restaurant favourite Noélia is a short drive east of the estate should you have a hankering for superb seafood.quintapinheiro.comStockholm StadshotellStockholmBuilt in the 1870s, this historic building at Björngårdsgatan 23 has been restored as a 32-key hotel with a lounge, a sauna and a cold plunge. “Many of the original details have been preserved,” says founding partner Johan Agrell. Stockholm Stadshotell also offers two restaurants, one of which, Matsalen, is in the former chapel. Chef Olle T Cellton dishes up contemporary Nordic fare, such as wood-grilled fish. “Matsalen is about cooking without ego,” says Agrell.The rooms and suites are rendered in muted tones, with furniture by Swedish company Tre Sekel, Italian linens from Liv Casas and bathroom fixtures by Lefroy Brooks. “The property’s architectural significance made it a compelling choice for a hotel because it has a soul,” says Agrell.stockholmstadshotell.comChiemgauhof Lakeside RetreatBavariaThe Chiemgauhof Lakeside Retreat overlooks Lake Chiemsee, an untamed expanse of water nicknamed the Bavarian Sea. Halfway between Munich and Salzburg in Übersee, the property was acquired by hoteliers Dieter Müller and his wife, Ursula Schelle-Müller, in 2021.Working with Milan-based designer Matteo Thun, they embarked on a major reconstruction. Thun conceived a contemporary barn built from larch, with oak-floored interiors and floor-to-ceiling windows that open up to the surrounding waters. In the restaurant, Maximilian Müller serves hearty Bavarian classics, while at the bar, Japanese chef Naoki Terai crafts sushi using fish caught from the lake.chiemgauhof.comHotelHumanoOaxacaThe so-called Mexican Pipeline on the country’s southern Pacific coast attracts an international surfing community to the town of Zicatela. Steps from the break at Playa Zicatela, Hotel Humano has become a popular stop-off. Architect Jorge Hernández de la Garza developed his idea with design firm Plantea Estudio for Mexico’s Grupo Habita. The result is a striking building defined by brutalist concrete and terracotta-coloured tiles offset by native tropical wood. The lobby, which opens onto the street, allows the interior and exterior to merge seamlessly.In Humano’s 39 guestrooms, handmade hazel-coloured tiles by San Pedro Ceramics nod to the 1970s, while ecru twill curtains divide the ocean-view suites. In the evenings, chef Marion Chateau of Marseille’s La Relève brings a refreshing fusion of French and Mexican flavours to the dinner table.hotel-humano.com

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Four new openings for an outstanding summer on the Mediterranean 2025-12-16 18:47:40

Four new openings for an outstanding summer on the Mediterranean

Food&DrinkLa BouillabaisseSaint-TropezWhen you think of Saint-Tropez, the glitzy party hot spots along Pampelonne beach are what probably come to mind – Nikki Beach, say, with its lively pool area, bustling bar and pumping DJ sets. But to the west of southern France’s quintessential summer destination lies what many of the area’s residents consider to be the town’s real soul: the Plage de la Bouillabaisse. Once known as Saint-Tropez’splage de la mode, the private beach was a favourite stamping ground of the 1960s jet set, with the likes of actress Jane Fonda andnouvelle vaguefilmmaker François Truffaut holidaying on its white sands. Dining on custom-designed director’s chairsLa Bouillabaisse remains a go-to for many in this part of the world – among them Ludovic Moutet, who runs the laid-back, century-old club that gave this beach its name. “La Bouillabaisse brings together the people of Saint-Tropez, whether they own a villa in the surrounding hills or are just back here for their summer holidays,” he says. “These are the folks who loyally return every year to their table, parasol and sunbed. We’re far away from the DJ sets and champagne-fuelled celebrations that you find elsewhere in the area.”When we join Moutet for a mid-morning coffee on the ocean-facing terrace, he is greeting a steady stream of evenly tanned beachgoers flocking to their chosen lounger for a day under the Mediterranean sun. “You come mainly to come back,” he says. The same holds true for the staff: many of them have worked here for years and know the regulars by name, as well as whether or not they take a slice of lemon in their sparkling water. This summer, La Bouillabaisse reopens with a refreshed look, courtesy of Marseille- and Paris-based agency Mews, which has dreamt up a nostalgia-tinged décor complete with a seashell-inspired bar by Bella Hunt&ddc and custom-designed director’s chairs in the dining area.La Bouillabaisse’s bar menuSundowners“We were working in a territory between memory and reinvention,” says creative director Laëtitia Toulouse, whose team took a deep dive into the club’s archives for the redesign. “Our aim was to restore the venue’s deep-rooted identity, while anchoring it in the present – and looking ahead to its future too.” Of course, no beach club would be complete without a place in which to while away the hours and soak up some rays. As we enjoy the scene from the shade, sunseekers stretch out on the loungers lining the beach, while other guests retreat beneath the pastel-blue-and-white-striped parasols.And because swimming and lounging are sure to work up an appetite, the food menu has been rethought, with Julien Sebbag serving up sunny, sharing-friendly specialities from across the Mediterranean. Think grilled aubergine croquettes, broccoli guacamole and stracciatella-drizzled confit red peppers. The self-taught chef is best known for his meat-free options, having made a name for himself with the all-veggie Créatures on the rooftop of Paris’s Galeries Lafayette, as well as picking up plaudits for his omelette-filled challahs athis first-arrondissement sandwich spot, Micho.Summer uncorkedMixed to perfectionHere he has integrated his vegetable-focused menu with a range of seafood classics, such as fried sardines and sole meunière. It’s a nod to La Bouillabaisse’s origins as a restaurant in the early 1900s, long before it welcomed beachgoers with the addition ofcabine de bainsin 1932. Back then, the spot churned out grilled fish, langoustines and, yes, bouillabaisse for hungry holidaymakers and local fishermen alike. Today, La Bouillabaisse is a place to soak up the ambience of the coast: the only soundtrack playing is the clinking of cutlery and the gentle roll of the waves.labouillabaisseplage.frFood&DrinkOli BarCadaquésWhen Catalan chef Vito Oliva opened Talla in 2012, the people of Cadaqués – a town about an hour and a half by car from the southern French city of Perpignan and two hours from Barcelona – didn’t immediately take to his food. “Back then, the area was just beginning to transform,” he tells Monocle. The rugged fishing town was once a haunt of Salvador Dalí and frequented by Pablo Picasso and Joan Miró. It was a place where people were more accustomed to eating the aquatic bounty found along the town’s rocky promontory.Now Oliva has opened Oli Bar with Italian marketing professional Valentina Audisio and Catalan chef Monty Aguiló, who hatched their plan after meeting in London while working for the hospitality group of Extremaduran chef-restaurateur José Pizarro. Oliva and Aguiló had worked in Spain, Germany and Australia over the previous two decades before they cooked up the idea for Talla in Cadaqués.Oli Bar operates from inside a converted oil mill. It serves British-inspiredplatillosincluding scotch eggs and Guinness cake, as well as dishes such as Basque-style seabass and game tartare with Mallorcansobrasadasausage.The wine list is equally eclectic. Drinkers can choose a carafe of Galician albariño, German riesling or a Piedmontese nebbiolo. And instead of Catalanpa amb tomàquet, at Oli Bar you’ll find fresh house focaccia studded with black olives and slathered in irresistible smoked butter from Barcelona-based dairy Rooftop Smokehouse. “When we lived in London, we used to love sitting at the counter at a Thai restaurant therecalled Kiln,” says Audisio. That’s why the stainless-steel bar that encircles an open kitchen is the heart of the dining room.olibarcadaques.comFood&DrinkRadical FarmhouseLiguriaTake a short drive uphill from the pebble beach at Lavagna in Italy’s Liguria region and you’ll soon find yourself in another world. From the gates of Radical Farmhouse, a path winds towards a red stucco villa, in front of which stand tables shaded by a pergola and a canopy of olive trees. From here stretches a smallholding where everything from cherry trees, beans and artichokes to wild strawberries and fragrant herbs is grown.Radical Farmhouse is the new project from Caterina Ravano, who hails from Lugano in Switzerland, and her partner, Segundo Achinelli, from Buenos Aires. “There was a gap in the market,” says Ravano, who launched the business in April. Its farm kitchen is fully vegetarian and sources ingredients almost entirely from the surrounding land. “There weren’t many places like this in Liguria. Our central message is the value of relatively simple food, sharing and understanding the land.”The pair are taking their fledgling farm business step by step as its popularity spreads through word of mouth. There are plans to add accommodation at some point but, for now, olive trees must be pruned and weekend guests be taken care of. “People come here to be outside and in the garden,” says Ravano. “That’s the character of the place.”radicalfarm.bioHospitalityHotel CorazónMallorcaMallorca’s 15-room Hotel Corazón sits on the brow of the rocky Tramuntana, beside a wiggly road that courses down to the hippy- and-rich village of Deià. It is now welcoming guests for its third season, under the watchful eyes of co-owners Kate Bellm and Edgar Lopez. The former is a fashion photographer who has shot for publications such asVogue(think siren-like naked women swimming in the ocean). She and Lopez clearly know how topull a cool crowd. Their house on the hill does away with any primness or need to be on your best behaviour. Instead, it’s a fun spot where models, musicians and other creatives come to holiday.For this summer, the duo have redesigned their dining spaces, including the sunny terrace, with the help of London-based designer and Ballearic regular Tatjana von Stein. Gone are the traditional wooden chairs; in their place are cocooning, circular benches and red-marble tables made by a local stone mason.The food is also a big draw. The hotel’s head chef, Eliza Parchanska, makes good use of produce grown by the farmer in residence, Emma Galea. It’s a partnership that results in bowls of flavoursome salads, dishes strewn with edible flowers and a cheese brioche that will linger in your dreams for days.hotelcorazon.com

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  • 2025-12-12 03:05:02

    Porvoo’s growing culinary scene

    Just a short drive to the east of Helsinki, Porvoo is popular among day-trippers who come for its 18th-century Old Town, with its riverside warehouses and pastel-painted wooden architecture. Today the city of about 50,000 is often compared to San Sebastián, thanks to its diminutive size and the growing pull of its drinking-and-dining scene.Monocle follows a winding country road through fields of rye and oats to Ylike Farm on the outskirts of Porvoo. Its history can be traced back to the 18th century but Emily and Thomas Simpson brought the land back into production in 2022. Originally from England, they now grow more than 50 varieties of vegetables, herbs and edible plants here, including chard, fennel, cabbages and (this being Finland) five types of potato.View over Porvoo Old TownEmily Simpson“What I like about Porvoo is that it has a very distinct food identity that you can’t find anywhere else in Finland,” says Emily, uprooting a plump beetroot from a bed of soil. “There are almost no chain restaurants and much of what the independent bistros have on their menus comes from close by.”The Simpsons sell their produce to both restaurants and individual customers. “We’re building an earth cellar for preserving vegetables over the winter,” says Thomas. “We would also like to get more involved in local cookery classes, bake our own bread and learn fermenting.”Less than 5km north of Ylike is Bosgård, another organic farm that is one of the main suppliers of beef to Porvoo’s restaurants. When Monocle visits, more than 300 Charolais cattle are grazing in the fields surrounding a 19th-century manor in a setting far removed from industrial farming. There’s also an on-site farm-to-table restaurant. “The farmers here work together and there’s a strong sense of community,” says Aarne Schildt, Bosgård’s owner. “Restaurants and residents alike want to buy local produce, which keeps the food scene vibrant and gives it a unique feel.”Finns love fish and you’ll find it on the menu in most restaurants in Porvoo. Borgå Fiskhus is a leading supplier and works with many of the region’s fishermen. Inside, the sweet aroma from an in-house smoker fills the air and a counter displays fresh fish such as salmon, zander, perch, white fish and pike. When Monocle visits, it’s crayfish season and most of the patrons exit the shop carrying bucketfuls of the freshwater crustaceans. The fishmonger’s biggest hit? “Restaurants love our warm-smoked salmon more than anything else,” Theo Skogberg, the shop’s service area manager, tells Monocle from behind the counter.Niko LehtoLocal greens at VårPorvoo’s Old Town, where you’ll find most of the city’s restaurants, cafés, bars and bakeries, is a compact maze of cobblestone streets that boasts dozens of culinary attractions. These range from Michelin-starred finery to cosier bistros and quaint little cafés that serve the local speciality cake: the runebergintorttu, a rum-and-almond torte named after Finland’s national poet, Johan Ludvig Runeberg, who lived in the city.Monocle stops for lunch at Ravintola Salt, a restaurant inside a wooden villa that dates back to 1780, near Porvoo Cathedral. We feast on a simple but satisfying meal of smoked fish, potatoes, courgette, mustard seeds and beurre blanc, served with sweet malted bread. In the kitchen we meet the head chef, Erik Tornberg, a Porvoo-native who went to the city’s culinary school and worked his way up the local restaurant scene. “This is a city where a chef will never go unemployed,” he says, even though many culinary professionals have relocated from Helsinki to Porvoo in recent years, in search of a gentler pace of life and other benefits that small-city living offers. “Don’t get me wrong,” says Tornberg. “You can’t rest on your laurels here.”The brightest star of Porvoo’s food scene is Vår, which earned its – and the city’s – first Michelin star in 2023. When Monocle visits, its menu includes crayfish, cold-smoked pike, a beetroot vorschmack and malt brioche, served with fennel and cucumber. “We are lucky to be surrounded by independent farms that cater to our needs,” Niko Lehto, the restaurant’s co-owner, tells Monocle as a voileipäkakku (a savoury sandwich cake) is served. “This allows us to source things such as garlic flowers, which are impossible to find even in Helsinki.”Breakfast at Runo hotelRuno Hotel’s 1912 façadeVår is an example of how Porvoo’s food scene and the wider city is evolving. Following international acclaim, it has started to attract more foreign visitors. “Almost a fifth of our patrons now come from abroad,” says Lehto. This is a challenge for the hospitality infrastructure of a city that is more used to catering to domestic day-trippers.Thank goodness, then, for Runo, a 56-room hotel designed by Joanna Laajisto that opened in 2021. It’s managed by Erkka Hirvonen, while the bar – an asset long missing from Porvoo’s culinary scene – is overseen by other team members. “We live in one of Finland’s most beautiful cities and this has had an effect on the food scene too,” says Hirvonen of the talent that has been tempted here to set up new businesses. “Good food is about taste and how it is presented. But it’s also about where you enjoy it.”Porvoo address bookStay: RunoRihkamakatu 4runohotel.comEat: VårPapinkatu 17restaurantvar.fiEat: SaltVuorikatu 17restaurantsalt.fiShop: Brunberg (Finland’s oldest confectionery factory)Välikatu 4brunberg.fiShop: Pieni suklaatehdas, for chocolateTeollisuustie 15suklaatehdas.comGetting herePorvoo is a 30-minute drive from Helsinki Airport or three hours from the capital by boat.

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  • 2025-12-15 19:21:02

    Sensei Porcupine Creek: A mid-century marvel that embodies the spirit of Palm Springs

    If the brochures are to be believed, Frank Sinatra crooned and caroused his way around much of Palm Springs. It’s a claim to fame that hotels and bars in this Californian desert city still trade on – especially at the Purple Room, a cabaret lounge built in 1960 at which Ol’ Blue Eyes would sometimes get up on stage.“Palm Springs was the playground of the stars,” says Michael Holmes, who revived the Purple Room almost a decade ago and caters to healthy crowds every night. “At the time, actors weren’t allowed to be more than 100 miles [161km] away from the studio when they were in production – and this is 100 miles from Hollywood.”Poolside perchHolmes, an accomplished jazz singer who also performs a stage show dressed as Judy Garland, first came to Palm Springs to flee a cold Chicago winter. This oasis city of perfect blue skies has long been a place that people escape to. In the 1930s it was the desert hideout for stars seeking refuge from the Los Angeles press. Then it was a seasonal bolthole for sun-seeking retirees. More recently it has been a pit stop for festival-goers on their way to Coachella.Palm Springs holds a special place in the American imagination – people say that they can feel their shoulders drop as they cross its city limits – but having a captive audience has meant that some of the hotels and places to eat were resting on their laurels. The past few years, however, have brought a fresh breeze that’s ruffling the city’s fronds. The extraordinary collection of mid-century buildings – homes created for California’s elite by leading American modernists such as John Lautner and Albert Frey – now attract a global audience. In February, more than 130,000 people descended on Palm Springs during its annual Modernism Week, when the people living in many of these restored houses open their doors to the public. In 2022, Palm Springs provided the backdrop for the martini-swilling fictional utopia of the filmDon’t Worry Darling. These houses, with their crisp roof lines and 1950s panache, have soared in value as people decamp to the desert to seek open spaces and a place where the sun shines every day.With this renewed interest has come a swath of new hoteliers and restaurateurs catering to a changing crowd. During the week that Monocle spent in Palm Springs, a new hotel by Life House opens and a Hyatt Thompson downtown is nearing completion.The most inspiring stay is Sensei Porcupine Creek, a hotel at the end of a winding street of mid-century modern bungalows in Rancho Mirage, a community in Greater Palm Springs. The resort, on the estate of technology entrepreneur Larry Ellison, sits on 93 hectares of desert garden interwoven with a manicured golf course. Amid this otherworldly landscape of succulents and meandering trails perfumed by the musk of the creosote bush is Ellison’s extensive sculpture collection, including a stack of Keith Haring’s red, yellow and blue figures – a shock of colour peeking out from behind the palm trees.Sensei Porcupine Creek CEO Alexandra WalterspielSensei Porcupine CreekDespite all the space, there are only 22 places to stay on the property, comprising standalone villas dotted through the grounds and suites in the single-storey estate house, which also contains a Nobu restaurant. The bedrooms are understated, verging on spartan, with light wooden interiors and vast windows that frame the gardens beyond. Staff say that the design is about drawing the eye to the estate’s abundant nature rather than the hotel itself, even if it is choreographed: the waterfalls that bubble through the grounds subtly change their cascade according to the time of day, calming to a restful flow after dark.Keith Haring’s bright figures“There’s science to all of it,” says Julie Oliff, the Swiss-born general manager, as she drives Monocle along one of Sensei’s canyon trails in a golf cart. Stretching out below us is the hotel’s canopy of 4,000 palm trees and one of its bright-blue tennis courts, where a bobcat is known to sleep in the midday heat. Like many of her colleagues, Oliff came to Sensei from running premium hotels around the US and takes a high-minded view of the work they are doing in the Coachella Valley. “Our mission is to guide the world to greater wellbeing,” she says.Clean lines at Sensei Porcupine CreekEllison co-founded Sensei with David Agus, an author and physician whose book on healthy living sits on the hotel’s bedside tables. Sensei offers guests an “intention-setting” session with a member of its dedicated wellness team to find out what they would like to get out of their stay, whether in terms of fitness or rest. In practice, this means having your blood pressure and some biometrics checked and signing up for yoga, exercise or meditation.“Wellness is a term that has been used too loosely and way too often, just as ‘boutique hotels’ was about 25 years ago,” says Alexandra Walterspiel, Sensei’s German-born president and CEO. “We just help guests to find opportunity in carving out time for themselves.” That said, Sensei is still a resort that keeps an excellent wine list and will serve a club sandwich poolside. It’s also a premium hotel that sets a new bar for an overnight stay in this valley.Villa Royale’s John JanulisBack in town, the most sought-after table is at Bar Cecil, a corner restaurant where trays of oysters and martinis are whisked through a candlelit dining room. Over the din of a Tuesday evening, co-founder John Janulis explains that there’s fierce competition to get a reservation here. He came to Palm Springs to restore and reopen the once-derelict Villa Royale and believes that now is a moment of great opportunity for those who want to refresh hospitality in town. “It’s the most unique city in America,” says Janulis. “For a lot of people, coming to Palm Springs means instant vacation.”What’s your poison?Mid-century allureTasty spread at Bar CecilEntrepreneurs such as Janulis say that it’s not a case of reinventing Palm Springs but re-energising what is already there. Even the Ace Hotel and Swim Club, which opened 15 years ago and was the first to tap into the Coachella crowd, is soon to be remodelled. “The property was originally a Howard Johnson motor lodge and we turned it into a desert retreat,” says Roman Alonso, founder of LA-based Commune Design, which was responsible for the original Ace and is coming back to spruce it up. He says that Palm Springs is being born again.Service in the sunThe past few years have seen several sensitive restorations take place that have breathed fresh life into old lodgings. Azure Sky, which reopened in 2022, took the bones of an old motel and brought a sense of spaciousness and light back into the rooms. Casa Cody, in downtown Palm Springs, is a hotel that hosted Hollywood stars throughout the 1930s and once belonged to Harriet Cody, a cousin of cowboy showman Buffalo Bill. “We wanted to keep the residential feel of the estate in the design and the renovation,” says Carolyn Schneider, co-founder of the Casetta Group, which added muted colours to Cody’s old home that emphasise the bright bougainvillaea spilling over the walls and roofs. Orange and grapefruit trees give shade to the gardens.Awash with naturePreservation is a relatively new phenomenon in Palm Springs. After the mid-century boom, the city stagnated. By the 1990s its architectural marvels had been mostly forgotten. “They were intact but neglected,” says Peter Moruzzi, an architectural historian who formed the Palm Springs Modern Committee in 1999 to safeguard mid-century masterpieces around town that were threatened with demolition, starting with Albert Frey’s Fire Station No 1.Peter Moruzzi’s restored mid-century houseMoruzzi and his partner, Lauren LeBaron, first came to the city in 1991. “I instantly loved the mountains, the air, the palm trees,” says Moruzzi. “Then we noticed all this mid-century stuff just sitting there, still in pretty good shape.” The couple have meticulously restored a 1950s “tract home”, built for the middle classes in the modernist designs favoured by Hollywood stars. Every February they let the public in during Modernism Week, to sit beside their twinkling pool, in the shade of two crossed palms, and admire the oddity that is the indoor barbecue. “A short-lived fad of the time,” says Moruzzi. These houses were undervalued in the 1990s, when nobody cared about Palm Springs modernism, but nearby houses now sell for millions of dollars. “We get a lot of guests booking to stay here because they would like to buy a house in Palm Springs,” says Bruno Santos, the general manager of Colony Palms, a grand old hotel with verdant verandas and green-striped parasols. It opened in 1936 and was reputedly owned by mobster and bootlegger Al Wertheimer, who ran a speakeasy and gambling den in the basement; a mural has survived from the time showing a bacchanalian scene of cavorting women.The Colony Palms was restored by Steve Hermann, a Montecito-based designer turned hotelier who has recently expanded L’Horizon, his other hotel in town, with bungalows that take cues from mid-century design. Spend enough time in Palm Springs and the pools and palms start to blur together; one blue-skied David Hockney painting after the next. Like the shifting lines that dance across a swimming pool in the midday sun, the city is moving with the times while retaining its sense of mid-century allure. Celebrated artist Phillip K Smith III, a self-professed “desert rat”, grew up in the Coachella Valley and returned to Palm Springs after studying at the Rhode Island School of Design. “I missed the brown mountains, the horizon,” Smith tells Monocle. His sculptural light pieces change colour almost imperceptibly, creating an effect similar to that of a gentle sunrise or sunset in these parts. “The desert I’m talking about doesn’t necessarily have tennis courts, golf courses and pools,” he says. “It’s about going there to disconnect.”Artist Phillip K Smith IIIFrom the windows of his studio, Smith can watch a grand light show as the mountains change from red to black. “It is a totally natural phenomenon that happens every day,” he says. “All you have to do it is to stop and look.”Palm Springs address bookStaySensei Porcupine CreekA retreat-like stay on vast grounds where privacy and peacefulness are prized.sensei.comEatBar CecilConvivial corner restaurant with sought-after reservations that’s a tribute to Cecil Beaton.barcecil.comDrinkThe Copper RoomIt’s worth the trip out of town to this lovingly-restored lounge at the old Yucca Valley Airport.thecopperroom1957.comSee‘Albert Frey: Inventive Modernist’The Palm Springs Art Museum has a long-awaited exhibition dedicated to the architect who defined the city. Until August.psmuseum.org

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  • 2025-12-23 11:27:14

    How Bodrum’s chic Macakizi Hotel became the epitome of Turkish cool

    Macakizi is almost hidden by Golturkbuku bay’s olive groves, fuchsia-hued bougainvillea and pine trees. The restaurant, hotel and beach club is nestled in one of the most picturesque inlets on Turkey’s Bodrum peninsula. The venture’s owner, Sahir Erozan, believes that its charm lies in the surrounding nature, as well as in its family roots. In 1977 his glamorous and bohemian mother, Ayla Emiroglu, opened the original Macakizi hotel at another site in Bodrum. “Back then, you would see cows grazing on a stretch of land behind the hotel,” says Erozan, squinting in the bright, late-summer sunlight as it glints off the water. “It was a different time. Bodrum still had an untouched beauty.”Macakizi relocated to Golturkbuku in 2000, having outgrown those humble beginnings. It originally offered just 16 guest rooms; now its team of about 350 staff oversees a 72-key hotel with four kitchens. The ambitious expansion didn’t stop there. In 2018 the brand added a 10-room private villa, located less than five minutes away by boat. In other words, a lot has changed. When Emiroglu ran things, almost 99 per cent of the business’s clients were Turkish. Now some 75 per cent of them are international visitors.Arriving by private boatView from the teak deck of Macakizi’s pierErozan says that, despite all of this, the fundamentals of Macakizi’s approach to hospitality are exactly as they were in the beginning. Visit it today and there’s still a sense that it’s a refuge from all that surrounds it – an oasis of calm far removed from whatever might be happening in Turkey’s economy or politics (though many movers and shakers holiday here). “We’ve always tried to be natural, kind and aware,” he says. He credits his mother with instilling in him this philosophy, which has steered him as both the industry and the business have evolved over the decades. “I didn’t go in different directions,” he says of running the company. “I kept building.”Bougainvillea-covered guest roomsLooking out from the pierMacakizi has become a favourite retreat for notable guests, some of whom you’ll recognise. Regulars greet waiters with a kiss on both cheeks; the staff never hover awkwardly but are always on hand to help. Drinks are topped up before the sun melts the ice cubes – a service overseen by the hotel’s charismatic, Australian-born long-term manager, Andrew Jacobs.Andrew Jacobs, the hotel’s manager“A lot of people don’t realise that there’s a hotel here,” says Erozan, sitting in the breakfast hall nestled in the heart of this green stretch of land overlooking the Aegean. Only about a third of the visitors are hotel guests; the rest come to enjoy the beach club, drink and dine. The property’s layout is designed to give patrons privacy. Labyrinthine pathways framed by Mediterranean shrubs link the white, two-storey villas, each of which has a private garden or a sea-facing balcony.Lunch at Macakizi’s balcony restaurantStaff at the beach clubLifeguard on dutyHomemade iced teaErozan refers to the Mediterraneo Pavilion, where breakfast is served every morning and dinner is hosted on off-season nights, as “the winter garden”. It’s a striking, black-metal structure with expansive windows that make you feel as though you were sitting outside among nature. For the past three years, Macakizi has stayed open well beyond its usual summer season into winter. Built in 2019, the pavilion was designed by Ahmet Alatas; Istanbul-based firm Tabanlioglu oversaw the hotel’s reception area, built in 2000, as well as the recently opened Ayla restaurant.Private sitting area in the Mediterraneo PavilionNatural light in the Mediterraneo Pavilion“I don’t let any architect touch the interiors,” says Erozan with a smile, peering over his round, metal-framed sunglasses. “They make things look too pristine, too uninhabited. I like some chaos. I want this place to feel lived in.” Erozan has personally overseen every detail of the hotel’s interiors, from the carpets and the lighting to the artwork. He describes his aesthetic sensibilities as “eclectic, bohemian and modern”.That eclecticism is perhaps most evident in the art. Antonio de Felipe’s pop art painting of Audrey Hepburn hangs in the entrance next to a work by Turkish contemporary artist Haluk Akakce that features the marque of the hotel: a queen of spades playing card. It breaks the otherwise uniform layout of the couches and tables. An almost human-sized metal mirror ball by Mihat Sen is one of three statues in the pool area, exemplifying Erozan’s sometimes hard-to-define style.The Macakizi hotel’s three dogs: Lucy, Vasilis and AlexisThere’s no formal check-in counter or receptionist. Instead, there’s a laid-back lounge where you might find one of the hotel’s three dogs – Alexis, Vasilis and the newest addition, Lucy – running up to greet you or lazily curled up like a pretzel on the plush carpet. Inside the white-painted guest rooms, vintage photographs of social gatherings at Macakizi from Erozan’s mother’s time hang above the beds, which are adorned with colourful Rifat Ozbek-designed pillows.While Emiroglu laid Macakizi’s foundations and cultivated a community around the brand, Erozan spent many years refining his craft abroad. Before fully committing to Bodrum and Macakizi, he spent some 26 years in Washington, starting from his university years. During that time, he worked in and owned several restaurants. That was how he first crossed paths with Istanbul-born chef Aret Sahakyan, who ran the kitchen at Erozan’s Georgetown restaurant Cities, which was open from 1987 to 2007.Chef Aret SahakyanSahakyan, who trained in French and Italian culinary traditions, has been with Macakizi since Erozan moved back to Turkey. Over the years, he says, the country’s food culture and tastes have changed. “When I arrived, chefs weren’t viewed in the way that they are today. A chef was simply someone who cooked in the kitchen, not someone who crafted and designed dishes.” This summer the Michelin Guide made its debut in Bodrum and Macakizi earned its first star. “We have a concept,” says Sahakyan proudly. “We stay true to it.”Preparing for dinnerBreakfast bowlIn the busiest season, the restaurant regularly welcomes more than 500 guests for Sunday lunch. Its menu features traditionalmanti– tender Turkish dumplings filled with ground lamb and topped with yoghurt – made using a recipe passed down from Emiroglu’s time. Sahakyan says that the magic of themantilies in theyufka(thin flatbread) that accompanies it, carefully layered on a tray and baked until perfectly crisp. This lighter version of the classic dish has become a favourite among regulars.Erozan inherited more from his mother than the community that she fostered around the hotel and its legacy. She also passed down some of her staff. Ayhan Hanagasi began working at Macakizi as a bus boy and has been with the hotel for 34 years. “AylaHanimhad high standards and she could be tough but I grew both personally and professionally under her guidance,” says Hanagasi. “She was an endlessly generous teacher.” He was among the staff members invited to an exclusive 60th birthday celebration of a regular hotel guest held at Macakizi over the weekend on which Monocle visited.Bodrum’s global rise in prominence as a luxury-travel destination has brought new challenges. Almost every corner of this breathtaking peninsula is being altered – its trees felled, its ancient heritage looted and the old ways abandoned. The most contentious development has been the Bulgari Resort Bodrum, which is being built in Cennet Koyu (Paradise Bay) on an area of archaeological importance and natural beauty with what its detractors suggest is scant regard for preservation.So what does Macakizi think about the area’s new popularity – and does it feel a sense of responsibility for its role in Bodrum’s change? Sahakyan believes that it’s all about balance, gesturing to the breakfast bar. “Over there, you’ll find only the highest-quality selections, hand-picked by us and sourced from trusted partners who share our values,” says the chef. “I’m not offering 40 different types of cheese or 50 varieties of honey just to let them go to waste.”Erozan, meanwhile, explains that the region’s recent success is part of a bigger picture. “First, there’s Turkey’s brand, then Bodrum’s, then that of Macakizi too,” he says. “All three things must evolve in tandem because you can’t thrive in isolation.”Macakizi was the first beach club in Bodrum to introduce a happy hour but it chose to abandon the tradition this summer. “As a brand, we are always evolving and adapting,” says Erozan. “When we first introduced the happy-hour idea here, it was unique to the area. But now, with many others following suit, it no longer aligns with the direction we want to take.” The owner smiles as the pink-hued sun hovers low in the sky. “Today we’re a more mature brand.”macakizi.comMacakizi’s top tableIn 2024 the hotel launched Ayla, a new 18-cover restaurant with just five tables, named after Erozan’s mother. “The experience unfolds in three acts, each offering four choices,” says Sahakyan. Over a two-and-a-half-hour sitting, diners are treated to dishes crafted from locally sourced ingredients, including olive oil from Memecik village, honey from Comlekci and blue crab from Datca. Among last summer’s signature dishes were courgette flowers stuffed with Turkish rice and a new take on Macakizi’s belovedmantidumplings filled with fermented salsify, accompanied by yoghurt, chicken broth and oil infused with roasted sumac.Getting here:Just a 50-minute drive from Milas-Bodrum Airport, Macakizi has five Land Rover Defenders, each subtly marked with a spade, ready to transport guests anywhere. As you approach the secluded bay where the hotel sits, you’ll leave behind the bustle and find a serene escape.Swimming in the private bayGuests soaking up the sunOur pick of Bodrum’s other restaurantsDerekoy LokantasiWith its classic taverna tables, this restaurant provides a peaceful respite from the bustling crowds. Try its refreshing starters, such aslabnehwith green olives.Derekoy, Derekoy Yolu No: 133, 48960 BodrumBagarasiSet amid a citrus orchard, Bagarasi is a fine ambassador of Bodrum’s cuisine. Its menu features the freshest ingredients sourced from local markets. Don’t miss its artichoke with ice cream.Bitez, Pınarli Caddesi No: 59, 48470 BodrumKurul BitezAnocakbasispot in a converted stable that serves up authentic Turkish barbecue, despite having the ambience of a French bistro.Bitez Mahallesi 1936 sok No: 2, 48470 BodrumOrfozThis family-run fish restaurant andmeyhane(tavern) showcases whatever the fishermen netted, including sea snails in wine sauce.orfoz.netLucca by the SeaFor the past two decades, Lucca has drawn crowds in Istanbul’s vibrant Bebek district. Now it has opened a new site at Bodrum’s Mandarin Oriental.luccabythesea.comLimonThe best sunset in Bodrum. Whether you’re here for breakfast or sunset drinks, it’s timeless. Book early.limongumusluk.com

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Current ARM mortgage rates report for Nov. 12, 2025 2025-12-10 16:17:54

Current ARM mortgage rates report for Nov. 12, 2025

If you’re the type of homebuyer who is willing to deal with a little uncertainty in exchange for the possibility of getting a low rate, an adjustable-rate mortgage might be right for you. These can be particularly good options for homebuyers planning to rent out or flip an investment property, or who know they intend to move before the loan’s introductory fixed-rate period ends.Read on and we’ll break down how ARMs work, consider when they might be worth considering over the far more common fixed-rate home loan, and look at ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of Nov. 11. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.750%6.000%6.125%APR6.523%6.588%6.677%Interest RateBank of America 7/6 ARM5.750%U.S. Bank 7/6 ARM6.000%Zillow Home Loans 7/6 ARM6.125%APRBank of America 7/6 ARM6.523%U.S. Bank 7/6 ARM6.588%Zillow Home Loans 7/6 ARM6.677%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate home loans account for about 92% of all mortgages in U.S. households. Unlike ARMs—where interest rates can increase or decrease after an initial fixed period—a fixed-rate mortgage guarantees the same rate for the entire loan term. This consistency gives them an obvious appeal.However, there are situations where ARMs might be worth considering. Roughly 8% of borrowers choose these loans because they see unique advantages.When you might consider an adjustable-rate mortgageThree types of buyers often find ARMs beneficial:Starter home buyers:If you plan to move within a few years, an ARM may let you capitalize on a low initial rate without having to worry about future adjustments, as you intend to sell the home before the fixed period ends.Investors:Real estate investors who intend to flip a house or rent it out may use ARMs to minimize upfront costs, then sell the property or adjust the rent amount when rates change.Buyers facing high-interest markets:During periods of elevated interest rates, ARMs might offer lower upfront costs and may even provide relief later if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs typically feature a low fixed interest rate for a predetermined period—such as three, five, seven, or 10 years—followed by periods of adjustment. Factors affecting ARM rates during the adjustments include:Benchmark indices:ARM rates are often tied to benchmarks like the SOFR. The U.S. Treasury publishes an updated SOFR each day, reflecting the overnight costs faced by banks for borrowing cash. Margins:Lenders add margins (fixed percentages) to benchmarks when calculating your ARM’s final rate. These can often range from 2% to 3.5%.Caps:Rate caps limit increases during specific intervals or throughout the loan term (e.g., initial adjustment caps, subsequent caps).In most instances ARMs will be 30-year loans. Popular ARM structures include 5/1 and 10/6—meaning a fixed rate for five years and then annual adjustments, and a fixed rate for 10 years and adjustment periods every six months, respectively. There are also 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageIf your plans change, you can likely decide to refinance into a fixed-rate mortgage. For instance, say you decide to stay in your home longer than you initially thought you would.You’re not alone if that’s the situation you find yourself in, as many Millennial and Gen Z homeowners can’t afford to upgrade and are getting by with their starter homes.Much like refinancing from one fixed-rate loan to another (which is often done to obtain a better rate or to tap equity) refinancing from an ARM to a fixed-rate loan involves shopping around with lenders, providing documentation to show you meet their requirements, and paying off your existing mortgage.Pros and cons of adjustable-rate mortgagesARMs come with positives and negatives you should weigh before applying for this type of mortgage. And, working with a trusted loan officer can help you determine if this is really the right loan type for you. Here are some basics to consider. N/AProsChance for a lower rate at first.During the fixed introductory period, you may find an ARM offers you a lower rate than you could get on a fixed-rate mortgage.Potential for easier qualification.Some borrowers may find they’re more likely to qualify for an adjustable-rate mortgage than for a fixed-rate loan. Possible savings down the road.This is not guaranteed, but if market rates decrease during adjustment periods, your monthly payment might go down accordingly.ConsPossibility for payments to rise.Remember, adjustment periods are dependent on what’s happening with the market. Just like there’s a chance for your rate and thus your monthly payment to go down, the converse could happen.Hard to comparison shop.Complex terms can make comparison shopping for a good rate on an ARM more difficult than with common fixed-rate mortgage types. Less predictability.Once you take out a fixed-rate mortgage, you’re locked into that rate as long as you have the loan. This can give you a little more stability in terms of monthly payment (though you may still face changes to things like homeowners insurance or your HOA dues). With ARMs, you need a certain level of risk tolerance.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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Sensei Porcupine Creek: A mid-century marvel that embodies the spirit of Palm Springs 2025-12-15 19:21:02

Sensei Porcupine Creek: A mid-century marvel that embodies the spirit of Palm Springs

If the brochures are to be believed, Frank Sinatra crooned and caroused his way around much of Palm Springs. It’s a claim to fame that hotels and bars in this Californian desert city still trade on – especially at the Purple Room, a cabaret lounge built in 1960 at which Ol’ Blue Eyes would sometimes get up on stage.“Palm Springs was the playground of the stars,” says Michael Holmes, who revived the Purple Room almost a decade ago and caters to healthy crowds every night. “At the time, actors weren’t allowed to be more than 100 miles [161km] away from the studio when they were in production – and this is 100 miles from Hollywood.”Poolside perchHolmes, an accomplished jazz singer who also performs a stage show dressed as Judy Garland, first came to Palm Springs to flee a cold Chicago winter. This oasis city of perfect blue skies has long been a place that people escape to. In the 1930s it was the desert hideout for stars seeking refuge from the Los Angeles press. Then it was a seasonal bolthole for sun-seeking retirees. More recently it has been a pit stop for festival-goers on their way to Coachella.Palm Springs holds a special place in the American imagination – people say that they can feel their shoulders drop as they cross its city limits – but having a captive audience has meant that some of the hotels and places to eat were resting on their laurels. The past few years, however, have brought a fresh breeze that’s ruffling the city’s fronds. The extraordinary collection of mid-century buildings – homes created for California’s elite by leading American modernists such as John Lautner and Albert Frey – now attract a global audience. In February, more than 130,000 people descended on Palm Springs during its annual Modernism Week, when the people living in many of these restored houses open their doors to the public. In 2022, Palm Springs provided the backdrop for the martini-swilling fictional utopia of the filmDon’t Worry Darling. These houses, with their crisp roof lines and 1950s panache, have soared in value as people decamp to the desert to seek open spaces and a place where the sun shines every day.With this renewed interest has come a swath of new hoteliers and restaurateurs catering to a changing crowd. During the week that Monocle spent in Palm Springs, a new hotel by Life House opens and a Hyatt Thompson downtown is nearing completion.The most inspiring stay is Sensei Porcupine Creek, a hotel at the end of a winding street of mid-century modern bungalows in Rancho Mirage, a community in Greater Palm Springs. The resort, on the estate of technology entrepreneur Larry Ellison, sits on 93 hectares of desert garden interwoven with a manicured golf course. Amid this otherworldly landscape of succulents and meandering trails perfumed by the musk of the creosote bush is Ellison’s extensive sculpture collection, including a stack of Keith Haring’s red, yellow and blue figures – a shock of colour peeking out from behind the palm trees.Sensei Porcupine Creek CEO Alexandra WalterspielSensei Porcupine CreekDespite all the space, there are only 22 places to stay on the property, comprising standalone villas dotted through the grounds and suites in the single-storey estate house, which also contains a Nobu restaurant. The bedrooms are understated, verging on spartan, with light wooden interiors and vast windows that frame the gardens beyond. Staff say that the design is about drawing the eye to the estate’s abundant nature rather than the hotel itself, even if it is choreographed: the waterfalls that bubble through the grounds subtly change their cascade according to the time of day, calming to a restful flow after dark.Keith Haring’s bright figures“There’s science to all of it,” says Julie Oliff, the Swiss-born general manager, as she drives Monocle along one of Sensei’s canyon trails in a golf cart. Stretching out below us is the hotel’s canopy of 4,000 palm trees and one of its bright-blue tennis courts, where a bobcat is known to sleep in the midday heat. Like many of her colleagues, Oliff came to Sensei from running premium hotels around the US and takes a high-minded view of the work they are doing in the Coachella Valley. “Our mission is to guide the world to greater wellbeing,” she says.Clean lines at Sensei Porcupine CreekEllison co-founded Sensei with David Agus, an author and physician whose book on healthy living sits on the hotel’s bedside tables. Sensei offers guests an “intention-setting” session with a member of its dedicated wellness team to find out what they would like to get out of their stay, whether in terms of fitness or rest. In practice, this means having your blood pressure and some biometrics checked and signing up for yoga, exercise or meditation.“Wellness is a term that has been used too loosely and way too often, just as ‘boutique hotels’ was about 25 years ago,” says Alexandra Walterspiel, Sensei’s German-born president and CEO. “We just help guests to find opportunity in carving out time for themselves.” That said, Sensei is still a resort that keeps an excellent wine list and will serve a club sandwich poolside. It’s also a premium hotel that sets a new bar for an overnight stay in this valley.Villa Royale’s John JanulisBack in town, the most sought-after table is at Bar Cecil, a corner restaurant where trays of oysters and martinis are whisked through a candlelit dining room. Over the din of a Tuesday evening, co-founder John Janulis explains that there’s fierce competition to get a reservation here. He came to Palm Springs to restore and reopen the once-derelict Villa Royale and believes that now is a moment of great opportunity for those who want to refresh hospitality in town. “It’s the most unique city in America,” says Janulis. “For a lot of people, coming to Palm Springs means instant vacation.”What’s your poison?Mid-century allureTasty spread at Bar CecilEntrepreneurs such as Janulis say that it’s not a case of reinventing Palm Springs but re-energising what is already there. Even the Ace Hotel and Swim Club, which opened 15 years ago and was the first to tap into the Coachella crowd, is soon to be remodelled. “The property was originally a Howard Johnson motor lodge and we turned it into a desert retreat,” says Roman Alonso, founder of LA-based Commune Design, which was responsible for the original Ace and is coming back to spruce it up. He says that Palm Springs is being born again.Service in the sunThe past few years have seen several sensitive restorations take place that have breathed fresh life into old lodgings. Azure Sky, which reopened in 2022, took the bones of an old motel and brought a sense of spaciousness and light back into the rooms. Casa Cody, in downtown Palm Springs, is a hotel that hosted Hollywood stars throughout the 1930s and once belonged to Harriet Cody, a cousin of cowboy showman Buffalo Bill. “We wanted to keep the residential feel of the estate in the design and the renovation,” says Carolyn Schneider, co-founder of the Casetta Group, which added muted colours to Cody’s old home that emphasise the bright bougainvillaea spilling over the walls and roofs. Orange and grapefruit trees give shade to the gardens.Awash with naturePreservation is a relatively new phenomenon in Palm Springs. After the mid-century boom, the city stagnated. By the 1990s its architectural marvels had been mostly forgotten. “They were intact but neglected,” says Peter Moruzzi, an architectural historian who formed the Palm Springs Modern Committee in 1999 to safeguard mid-century masterpieces around town that were threatened with demolition, starting with Albert Frey’s Fire Station No 1.Peter Moruzzi’s restored mid-century houseMoruzzi and his partner, Lauren LeBaron, first came to the city in 1991. “I instantly loved the mountains, the air, the palm trees,” says Moruzzi. “Then we noticed all this mid-century stuff just sitting there, still in pretty good shape.” The couple have meticulously restored a 1950s “tract home”, built for the middle classes in the modernist designs favoured by Hollywood stars. Every February they let the public in during Modernism Week, to sit beside their twinkling pool, in the shade of two crossed palms, and admire the oddity that is the indoor barbecue. “A short-lived fad of the time,” says Moruzzi. These houses were undervalued in the 1990s, when nobody cared about Palm Springs modernism, but nearby houses now sell for millions of dollars. “We get a lot of guests booking to stay here because they would like to buy a house in Palm Springs,” says Bruno Santos, the general manager of Colony Palms, a grand old hotel with verdant verandas and green-striped parasols. It opened in 1936 and was reputedly owned by mobster and bootlegger Al Wertheimer, who ran a speakeasy and gambling den in the basement; a mural has survived from the time showing a bacchanalian scene of cavorting women.The Colony Palms was restored by Steve Hermann, a Montecito-based designer turned hotelier who has recently expanded L’Horizon, his other hotel in town, with bungalows that take cues from mid-century design. Spend enough time in Palm Springs and the pools and palms start to blur together; one blue-skied David Hockney painting after the next. Like the shifting lines that dance across a swimming pool in the midday sun, the city is moving with the times while retaining its sense of mid-century allure. Celebrated artist Phillip K Smith III, a self-professed “desert rat”, grew up in the Coachella Valley and returned to Palm Springs after studying at the Rhode Island School of Design. “I missed the brown mountains, the horizon,” Smith tells Monocle. His sculptural light pieces change colour almost imperceptibly, creating an effect similar to that of a gentle sunrise or sunset in these parts. “The desert I’m talking about doesn’t necessarily have tennis courts, golf courses and pools,” he says. “It’s about going there to disconnect.”Artist Phillip K Smith IIIFrom the windows of his studio, Smith can watch a grand light show as the mountains change from red to black. “It is a totally natural phenomenon that happens every day,” he says. “All you have to do it is to stop and look.”Palm Springs address bookStaySensei Porcupine CreekA retreat-like stay on vast grounds where privacy and peacefulness are prized.sensei.comEatBar CecilConvivial corner restaurant with sought-after reservations that’s a tribute to Cecil Beaton.barcecil.comDrinkThe Copper RoomIt’s worth the trip out of town to this lovingly-restored lounge at the old Yucca Valley Airport.thecopperroom1957.comSee‘Albert Frey: Inventive Modernist’The Palm Springs Art Museum has a long-awaited exhibition dedicated to the architect who defined the city. Until August.psmuseum.org

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Capital One CD rates 2025-12-28 13:52:02

Capital One CD rates

Looking for a low-risk investment for your hard-earned savings? Options like stocks and crypto have a tempting upside—the potential to grow your money dramatically—but their volatility and the risk of losing money can make your palms sweat.There’s a less stressful way to grow your cash reserve slowly but steadily, and that’s certificates of deposit (CDs). Capital One CD rates are some of the most competitive in the industry, offering a secure investment option with an attractive return. Headquartered in Tysons, Virginia, Capital One is a banking behemoth with an annual net revenue of $39.1 billion with more than 100 million customers.Below, we’ll dig into everything you need to know about Capital One CD rates.Rates are current as of Nov. 7, 2025 and are subject to change.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Capital One CD rates and productsCapital One offers several CD terms for various savings goals, each with a solid APY and the ability to customize your interest payout schedule to suit your needs (though you won’t find options like bump-up, jumbo, or IRA CDs). Here’s a closer look at what Capital One offers with its 360 CDs.Standard CDsCapital One has 12 different CD terms which vary from six to 60 months. Interest accrues daily and deposits monthly to your account.Capital One standard CD featuresMinimum opening deposit$0Early withdrawal penalty (terms 12 months or less)3 months of interestEarly withdrawal penalty (terms greater than 12 months)6 months of interestCapital One CD rates6-month term3.50%9-month term3.50%12-month term4.05%18-month term3.70%24-month term3.50%30-month term3.50%36-month term3.50%48-month term3.50%60-month term3.50%Bank details reviewed Nov. 7, 2025.Compare the CD rates and terms available from other top institutionsRead our roundups of all available CD rates from Chase and Bank of America.Compare Capital One to competitorsWhile Capital One’s CD rates are excellent, other banks may in some cases be even better. Below is a table comparing Capital One with CDs from two competitors.Capital One 360Synchrony BankNorthern Bank Direct6 months6 months6 months3.50%3.75%4.00%12 months12 months12 months4.05%3.90%3.25%18 months18 months18 months3.70%3.70%3.25%24 months24 months24 months3.50%3.50%3.25%36 months36 months36 months3.50%3.75%3.25%48 months48 months48 months3.50%3.50%3.25%60 months60 months60 months3.50%4.00%3.25%Learn moreLearn moreLearn moreView offerat BankrateView offerat DiscoverView offerat Northern Bank DirectBank details reviewed Nov. 7, 2025.Learn more about Capital OneIn addition to its 360 CDs, Capital One offers a variety of products for individual customers, businesses, and commercial entities. These include checking, savings, loans, credit cards, and investment accounts.Not sure what type of account is best for your savings?Read our comparison of CDs vs. high-yield savings accounts to help you decide.SponsoredAdvertiser Disclosure Advertiser Disclosure:Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Quontic Bank : Certificate of DepositMember FDICProduct DisclosureProduct DisclosureWithdrawals before the maturity date are subject to penalties Quontic Bank : Certificate of DepositAnnual Percentage YieldTerm LengthMin. DepositRates as of 12/12/2025on Quontic Bank's website3.75%6 mos$500View DetailsPowered By:/* Loader */ #IdBqfqTilBxCKAzg .sh-spinner { display: none; } #IdBqfqTilBxCKAzg.listingsLoading .sh-spinner { display: block; } #IdBqfqTilBxCKAzg.listingsLoading .sh-widget-render-result { display: none; } #IdBqfqTilBxCKAzg.listingsLoaded .sh-widget-render-result { display: block; } #IdBqfqTilBxCKAzg.listingsLoaded .sh-spinner { display: none; } #IdBqfqTilBxCKAzg.listingsLoading .search-result-container .sh-spinner { display: block; } #IdBqfqTilBxCKAzg.listingsLoaded.listingsLoading .sh-spinner { display: block; } #IdBqfqTilBxCKAzg .sh-spinner { display: block; margin: 30px auto; width: 48px; height: 48px; } #IdBqfqTilBxCKAzg .sh-spinner:after { content: " "; display: block; width: 32px; height: 32px; margin: 1px; border-radius: 50%; border: 10px solid #105485; border-color: transparent #105485 transparent #105485; -webkit-animation: lds-dual-ring 1.2s linear infinite; animation: lds-dual-ring 1.2s linear infinite; 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margin-bottom: 15px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop #sh-header-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop #sh-header-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop #sh-header-container { padding: 0 20px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-d-hide, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-d-hide, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-d-hide { display: block !important; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-listing-content-wrapper, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-listing-content-wrapper, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-listing-content-wrapper { display: block; padding: 20px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-promo .sh-promo-text, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-promo .sh-promo-text, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-promo .sh-promo-text { font: normal normal normal 16px/25px Roboto; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-btn__text, #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-first-product .sh-btn__text, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-btn__text, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-first-product .sh-btn__text, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-btn__text, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-first-product .sh-btn__text { width: 100%; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-fdic-insured, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-fdic-insured, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-fdic-insured { padding: 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .product-details-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .product-details-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .product-details-container { display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-first-product .product-details-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-first-product .product-details-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-first-product .product-details-container { margin-top: 0px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-title, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-title, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-title { font: normal normal bold 16px/24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-promo, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-promo, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-promo { max-width: 400px; margin: 0 auto 20px; text-align: left; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-promo-offer-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-promo-offer-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-promo-offer-container { max-width: 400px; margin: auto; padding-top: 15px; align-items: baseline; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value { font-size: 20px; padding: 15px 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-title-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-title-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-title-container { display: flex; margin-bottom: 15px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-first-product .sh-title-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-first-product .sh-title-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-first-product .sh-title-container { flex-flow: row wrap; align-items: flex-start; height: 60px; margin-bottom: 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-first-product .sh-row2-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-first-product .sh-row2-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-first-product .sh-row2-container { display: block !important; order: 1; height: 30px; flex: 0 0 100%; background-color: #E8EDF1; padding-top: 8px; box-sizing: border-box; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-fdic-dis-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-fdic-dis-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-fdic-dis-container { display: flex; justify-content: space-between; max-width: 400px; margin: auto; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-cta-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-cta-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-cta-container { padding-right: 0; padding-top: 8px; box-sizing: border-box; padding-top: 15px; border-bottom: 1px solid #D0E0EE; padding-bottom: 25px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-first-product .sh-cta-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-first-product .sh-cta-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-first-product .sh-cta-container { padding-top: 0px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .mobile-bottom-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .mobile-bottom-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .mobile-bottom-container { display: flex; justify-content: space-evenly; margin: 20px 0 0 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .mobile-bottom-container .sh-fdic-insured, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .mobile-bottom-container .sh-fdic-insured, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .mobile-bottom-container .sh-fdic-insured { padding: 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-first-product .sh-title-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-first-product .sh-title-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-first-product .sh-title-container { height: 72px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-row-container .sh-row-product-title, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-row-container .sh-row-product-title, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-first-product .sh-title-container .sh-row-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-first-product .sh-title-container .sh-row-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } #IdBqfqTilBxCKAzg.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; padding: 0 15px; } #IdBqfqTilBxCKAzg.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 0px; width: 163px; } #IdBqfqTilBxCKAzg.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } @media only screen and (max-width : 767px) { #IdBqfqTilBxCKAzg.poweredByMBT .sh-widget-footer-MBT { padding: 0 20px; } } #IdBqfqTilBxCKAzg.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #IdBqfqTilBxCKAzg.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #IdBqfqTilBxCKAzg.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } #IdBqfqTilBxCKAzg .sh-row-container.sh-apy-value { height: 24px; } #IdBqfqTilBxCKAzg .sh-title-container { height: 45px; } #IdBqfqTilBxCKAzg .sh-row-product-title { padding-top: 10px; } @media only screen and (max-width: 850px) { #IdBqfqTilBxCKAzg .sh-row-product-title { padding-top: 8px; } } @media only screen and (max-width: 767px) { #IdBqfqTilBxCKAzg .sh-first-product .sh-title-container { height: 72px; } #IdBqfqTilBxCKAzg .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #IdBqfqTilBxCKAzg .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #IdBqfqTilBxCKAzg .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } } @media only screen and (max-width: 480px) { #IdBqfqTilBxCKAzg .sh-row-container .sh-apy-value { flex: 0 0 32%; } } @media only screen and (max-width: 380px) { #IdBqfqTilBxCKAzg .sh-row-container .sh-apy-value { flex: 0 0 35%; } } @media only screen and (max-width: 348px) { #IdBqfqTilBxCKAzg .sh-row-container .sh-apy-value { flex: 0 0 40%; } } #IdBqfqTilBxCKAzg .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #IdBqfqTilBxCKAzg.loadingMessage .sh-loading-msg { display: block; } #IdBqfqTilBxCKAzg.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media only screen and (max-width: 767px) { #IdBqfqTilBxCKAzg .sh-loading-msg { font-size: 18px; } } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-listing-container { padding: 20px 34px 20px 30px; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title.sh-apy-value, #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title.sh-term-length, #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title.sh-min-dep { color: #5C666E; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 45px; justify-content: space-evenly; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-container { align-items: center; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 15px; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title { height: auto; min-height: 15px; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 20px; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title.sh-date { color: #5C666E; padding-top: 12px; } #IdBqfqTilBxCKAzg .sh-row-product-title.sh-bank-name { display: none; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: italic; font-size: 12px; color: #5c666e; margin-right: 15px; padding: 1px 0 10px 0; display: block; font-weight: 300; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title { padding: 0; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .product-details-container { justify-content: space-evenly; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-cta-container { padding-right: 0; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges #sh-header-container { padding: 0 15px; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .shmktpl-disclosure-button { line-height: 22px; } /* Tablet View (768px to 1024px) */ @media (max-width: 1024px) { #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-listing-container { padding: 12px 26px 10px 22px; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 24px; } } /* Mobile View (Below 768px) */ @media (max-width: 767px) { #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } } @media (max-width: 370px){ #IdBqfqTilBxCKAzg.cdBankingDesignChanges .sh-row-product-title.sh-bank-name{ top: 214px; } } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #IdBqfqTilBxCKAzg.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #IdBqfqTilBxCKAzg.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #IdBqfqTilBxCKAzg.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #IdBqfqTilBxCKAzg.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.cdBankingDesignChanges .sh-cta-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop.cdBankingDesignChanges .sh-cta-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #IdBqfqTilBxCKAzg.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #IdBqfqTilBxCKAzg.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #IdBqfqTilBxCKAzg.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #IdBqfqTilBxCKAzg.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop .sh-first-product .sh-row2-container, #IdBqfqTilBxCKAzg.sh-box650.device-desktop .sh-first-product .sh-row2-container, #IdBqfqTilBxCKAzg.sh-box700.device-desktop .sh-first-product .sh-row2-container { background-color: #D6D4FF; } #IdBqfqTilBxCKAzg .sh-gb-banner.sh-promo { display: none !important; } #IdBqfqTilBxCKAzg.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: block !important; } @media only screen and (max-width: 767px) { #IdBqfqTilBxCKAzg.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: none !important; } #IdBqfqTilBxCKAzg.gbBanner .sh-gb-banner.sh-promo.sh-d-hide { display: block !important; } } #IdBqfqTilBxCKAzg.hidePromoText .sh-listing-content-wrapper .sh-promo{ display: none; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-listing-content-wrapper{ margin-bottom: 24px; display: flex; padding: 30px 15px 20px 15px; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-logo{ flex: 0 0 20%; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-main-container{ flex: 0 0 77%; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .logo-image-wrapper{ max-width: 137px; min-height: 90px; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges img.logo-image{ max-width: 75%; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-row-container{ flex: 0 0 67%; order: unset; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 36%; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 4px; padding-top: 12px; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-first-product .sh-btn__text, #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-btn__text{ width: 140px; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges #sh-header-container{ padding: 0 15px; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-d-hide{ display: none !important; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-m-hide{ display: block !important; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-title{ font: normal normal bold 18px/24px Roboto; margin: 0 0 23px 0; text-align: left; max-width: 100%; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-fdic-dis-container{ display: block; max-width: 100%; margin: auto; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-gb-banner.sh-promo{ display: none !important; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .product-details-container{ display: flex; justify-content: space-evenly; max-width: 100%; margin: unset; border-bottom: 1px solid #D0E0EE; margin-top: unset; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container{ height: auto; display: flex; flex-flow: row nowrap; align-items: unset } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: unset; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row2-container{ order: unset; height: unset; flex: 0 0 150px; padding-top: unset; box-sizing: unset; background-color: transparent; position: relative; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: unset; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: unset; margin-right: 15px; width: 100%; padding: 1px 0 10px 0; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font: normal normal bold 24px/24px Roboto; padding: 12px 0px; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-cta-container{ padding: 12px 0px; box-sizing: unset; border-bottom: unset; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-title-container{ display: none; margin: unset; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-promo{ width: 100%; margin: -10px 0 20px; text-align: left; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-promo .sh-promo-text{ font: normal normal normal 16px/24px Roboto; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-fdic-insured{ padding: 20px 0 7px 0; } #IdBqfqTilBxCKAzg.sh-box700.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg, #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg{ vertical-align: unset; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-listing-content-wrapper{ display: block; padding: 20px; margin-bottom: 16px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .logo-image-wrapper{ max-width: 200px; min-height: unset; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges img.logo-image{ max-width: inherit; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-d-hide { display: block !important; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-title{ font: normal normal bold 16px / 24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-fdic-dis-container{ display: flex; justify-content: space-between; max-width: 400px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-fdic-insured{ padding: 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-m-hide { display: none !important; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .product-details-container{ display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container{ flex-flow: row wrap; align-items: flex-start; margin-bottom: 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-row-container{ flex: 0 0 100%; order: 2; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: 42px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 27%; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-row-container .sh-apy-value{ flex: 0 0 32%; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row2-container{ display: block !important; order: 1; height: 30px; flex: 0 0 100%; padding-top: 8px; box-sizing: border-box; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 0; padding-top: 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: absolute; top: 176px; margin-right: 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font-size: 20px; padding: 15px 0; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-cta-container{ padding: 15px 0 45px; box-sizing: border-box; border-bottom: 1px solid #D0E0EE; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-first-product .sh-cta-container{ padding: 0 0 45px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-first-product .sh-btn__text, #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-btn__text{ width: 100%; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-title-container{ display: flex; margin-bottom: 15px; } #IdBqfqTilBxCKAzg.sh-box600.device-desktop.experianChanges .sh-promo{ margin: 0 auto 20px } #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }Frequently asked questionsWhat is the minimum deposit for a Capital One CD?Capital One CDs require no minimum deposit. This is a convenient feature that you won’t find with many other banks.How often is interest compounded on Capital One CDs?Interest is compounded monthly on Capital One CDs.Can I withdraw money from a Capital One CD before maturity?You can withdraw money from a Capital One CD before maturity, but you’ll almost certainly be penalized for it. You’ll owe between three and six months of interest, depending on the length of your account term. The only exception is Capital One’s 10-day grace period upon opening your account.Are Capital One CDs FDIC insured?Capital One CDs are FDIC insured, up to $250,000 per member.Can I add more money to my Capital One CD after opening?You cannot add more money to your Capital One CD after opening. You must wait until the account matures.Are Capital One CD rates better than savings accounts?Capital One CD rates will in many cases be higher than what some savings accounts on the market offer. The tradeoff is that they’re more restrictive than a savings account. While most institutions permit you to make at least six withdrawals from your savings account each month, you won’t be allowed to touch the money in your CD for several months (or years, depending on the term you choose) without incurring a penalty.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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Current refi mortgage rates report for Nov. 21, 2025 2025-12-13 22:23:53

Current refi mortgage rates report for Nov. 21, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.38%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.38%20-year6.20%15-year5.63%10-year5.42%Jumbo mortgages30-year6.97%15-year6.13%FHA loans30-year6.05%15-year5.25%VA loans30-year6.09%15-year5.77%Note thatFortunereviewed the most recent Zillow data available as of Nov. 20.How mortgage refinancing worksBoiled down to the basics, a mortgage refinance replaces your existing home loan with a new one. As when you applied for a mortgage to purchase your home, you’ll need to apply and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. This process typically results in a small hit to your credit score due to a hard inquiry. And, be aware there’s a risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some market watchers had hoped that mortgage interest rates would fall as the Federal Reserve made several cuts to the federal funds rate late last year. However, that didn’t happen, and mortgage rates remained stubbornly near the 7% mark—considering the nationwide average for 30-year, fixed-rate loans—for months. Rates have long remained well above the pandemic-era lows, when some homeowners were able to get rates in the 2% or 3% ranges. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners with a mortgage had a rate below 6%. Many have been essentially locked in with their existing home loans, unable or unwilling to move or refinance in the current environment.But homeowners finally got a little relief starting in late August and early September of 2025. Mortgage rates dropped in a noticeable way ahead of the Sept. 16-17 Fed meeting, where the central bank delivered a widely anticipated rate cut of a quarter percentage point. Then, the Fed followed up with a second cut of a quarter percentage point at the end of October.When it might make sense to refinance your mortgageAs we’ll cover more in the section below this one, it’s not free to refi your home loan. So, when does it make sense to accept the upfront costs and refinance? One rule of thumb many experts use is that if you can get a new rate a full percentage point lower than the one you have right now, it’s probably worth refinancing. Using recent market conditions as an example, someone who took out a home loan at 7% should strongly consider a refi if market conditions are in a place where that homeowner could now get a 6% rate.It may also be strategic to refinance if you want to tap your home equity through a cash-out refi. Be aware you’ll typically need to have at least 20% equity in your home to be able to do this. So, for those who got into their home with the 5% minimum down payment generally available on conventional mortgages, it could take a while before you’re in a place to leverage a cash-out refi. Yet another case where a refi can help is to change your loan term. For example, maybe you applied for a 15-year mortgage when you bought the home, knowing that in exchange for higher monthly payments you’d save a boatload on interest charges over time. But then, your circumstances changed and now your monthly payments are stretching your budget. Refinancing to a 30-year loan might give you much-needed flexibility to make lower payments in that situation.You may also wish to refi if you’re hoping to switch loan types. Maybe you have an FHA loan with lifetime mortgage insurance (called MIP on this type of loan) requirements, and you want to switch to a conventional loan to get rid of this. Or perhaps you took out an adjustable-rate mortgage (ARM) but now you’ve decided to stay in the home for a longer time and don’t want to deal with the chance of rate hikes during the adjustment period. In that case, refinancing to a fixed-rate home loan could make sense. Costs to refinance your mortgageMuch like the traditional home loan you likely took out to buy your house, refinancing a mortgage involves closing costs that can run about 2% to 6% of the loan amount. For instance, if you do a rate-and-term refi on a $300,000 loan, you might pay anywhere from $6,000 to $18,000 in refi closing costs.Here are some costs you might see listed on your refinance loan estimate:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if your current loan servicer charges one).Different types of mortgage refi loansThere are many types of mortgage refinance loans available, and the one you need will depend on your goals and also on your existing mortgage. Here are some common refi options to consider:Rate-and-term refinance:This is likely the most popular refi option and offers a chance to lower your interest rate and/or get a different loan term. Just know if you opt for a shorter loan term, while that typically earns you a lower rate and also hefty lifetime interest savings, you’ll be committing to higher monthly payments.Cash-out refinance:With a cash-out refi, you tap your home’s equity by replacing your existing loan balance with a larger one and taking the difference in cash. You can use the money for home improvements, consolidating high-interest debt, or virtually any other financial goal.No-closing-cost refinance:With this type of refi, the lender covers closing costs but charges you a higher interest rate. If you don’t have cash upfront for closing costs and think you could otherwise benefit from a refinance, this option may be worth a look. But approach it with careful scrutiny.Streamline refinance:These are generally available to existing FHA, VA and USDA loan borrowers, and will typically involve less documentation and a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not obligated to stick with the lender you got your original mortgage from when you refi. In fact, it’s probably worth shopping around for the lowest rate and best service you can find. However, some lenders may offer incentives if you stay with them, such as waiving a portion of the closing costs. Since these upfront charges can be something of a barrier to those who want to refinance, incentives can make a refi more feasible, and it’s worth broaching the conversation with your lender.Lastly, know that if your mortgage was purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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Sage earnings climb as cloud uptake grows and AI assistant rolled out

Sage earnings climb as cloud uptake grows and AI assistant rolled out

By  -  2025-12-15 06:53:39

Revenue and profits have jumped at accounting software maker Sage driven by more uptake of its cloud-based products. The Tyneside-based giant, which sells across the world, published results for the year to the end of September showing statutory revenue grew 7% to £2.332bn and statutory operating profits rocketed 43% to £452m. Investors were shown that annualised recurring revenue increased 11% to £2.339bn and underlying operating profit was boosted 21% to £529m. The FTSE100 firm also announced a £400m share buyback programme which it said reflected strong cash generation, a robust financial position and the board's confidence in its future prospects. In a separate update, Sage said the programme would start immediately and run no later than June 3, 2025. Within the results, growth was said to have come from all regions, led by North America which saw a 12% rise in underlying total revenue to £1.05bn. Speaking to BusinessLive post results, CEO Steve Hare said that Donald Trump's election in the US might provide a short term boost to Sage's small and mid-sized customers there who are focussed on the domestic market. Growth over the Atlantic was followed by UK, Ireland, Africa and APAC with an 8% rise to £670m, and then Europe with 6% growth to £610m. Bosses highlighted revenue growth across the firm's Sage Cloud Business products, which increased 16% to £1.87bn, including cloud native revenue growth of 23% to £732m. Renewal rate by value reached 101%, which Sage said reflected strong retention rates and a healthy level of sales to existing customers. Meanwhile, the firm's generative AI-powered desktop assistant, Sage Copilot, was rolled out to more customers with much of the development work having been done by the firm's Tyneside-based engineers. The assistant, which is designed to handle administrative and repetitive tasks and also make operational recommendations for business owners, is currently available to more than 8,000 UK customers of Sage Accounting, Sage for Accountants and Sage Active. The AI tech is designed to give Sage customers an "extra pair of hands" which Mr Hare says will be attractive to productivity hungry businesses. It will be monetised via a premium service and incrementally rolled out to more Sage customers in due course. Mr Hare said of the results: "Sage has delivered another successful year, achieving strong, broad-based revenue growth together with significantly higher profits and cash flows. We also invested further in our products and continued to execute well against our strategic priorities. Our high pace of innovation continues, as we enhance existing products and expand key cloud solutions throughout our markets.

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UK fintech funding races ahead of Europe as sector looks for 2025 rebound

UK fintech funding races ahead of Europe as sector looks for 2025 rebound

By  -  2025-12-25 23:57:56

New figures reveal that the UK's fintech sector trailed only the US in total investment last year, despite a significant decline in funding compared to 2023 levels. While global fintech investment decreased by 20% to $43.5bn (£35.2bn), the UK secured $3.6bn (£2.9bn) in funding, surpassing the combined total of the next five European countries, data from Innovate Finance shows, as reported by City AM. Despite the downturn in new capital, industry experts anticipate a rebound in 2025. "When we've been speaking with investors, they're positive about 2025," Janine Hirt, CEO of Innovate Finance, commented to City AM. "There was a bit of dry powder there waiting, and now going forward, there's a lot more clarity as we're in a post-Budget, post Mansion House environment. There is certainty around the government, both here and in the US. " Although the UK maintained its second-place position globally, its funding decline outpaced the worldwide average, closely followed by India, which reported $2.2bn (£1.8bn) in fintech investments for the year. In 2024, major UK deals included a $621m funding round for Monzo and $267m for Zepz. However, female-led fintechs experienced a stark 78% drop in investment, garnering just $120m (£97m), or 3.3% of all UK funding. "It is a clear indication that we need to be doing more, because that is a hugely disappointing number, and we have to take action to try and increase that," Hirt stated.

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BT wins £1.3bn 'overcharging' class action

BT wins £1.3bn 'overcharging' class action

By  -  2025-12-13 18:29:48

BT has emerged victorious in a £1.3 billion class action lawsuit after allegations that it "disproportionately overcharged" its landline customers were dismissed. The Competition Appeal Tribunal (CAT) announced today that the claim against BT was unsuccessful, concluding that "overall" the prices charged "were not unfair, and therefore there was no abuse of dominant position." The legal challenge was initiated by Mishcon de Reya, representing over three million customers, with consumer advocate Justin Le Patourel acting as the claimants' representative, as reported by City AM. The claim accused BT of levying excessive prices for "standalone" fixed voice services, particularly affecting older clientele, suggesting an abuse of market dominance, but the Tribunal found otherwise. Proceedings were certified in October 2021, prompting an appeal from BT. This landmark case was the first to test the CAT’s approach to certifying collective proceedings on an opt-out basis. Despite BT's appeal against certification being rejected by the Court of Appeal, the trial proceeded in January and concluded at the end of March. Beyond its implications for the involved parties, this case holds considerable significance for the legal industry, marking the first trial since the collective proceedings regime was established in 2015.

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IT services firm strikes Birmingham City deal

IT services firm strikes Birmingham City deal

By  -  2025-12-05 07:03:30

An IT services company has struck a new deal with Birmingham City FC. Intercity has become the club's official IT support partner for the next three years. The Birmingham-based company will be responsible for upgrading the club's IT systems and cloud servers, providing matchday stadium support and enhancing network connectivity at the training ground among other work. A support engineer from Intercity will also be on site to provide technical support. Intercity has doubled its workforce to 325 over the last five years. This latest deal with League One Birmingham City follows similar tie ups with Warwickshire County Cricket Club and their home of Edgbaston stadium. Chief executive Charlie Blakemore said: "We are incredibly proud to partner with Birmingham City FC, a cornerstone of our local community. "This strategic partnership represents a great synergy between two Birmingham-based organisations with deep and passionate roots in the city. "Our focus will be on helping the football club with its digital transformation, a critical journey that will boost operations and allow them to focus on their performance both on and off the field. "We have always prioritised building strong partnerships within the community and adding Birmingham City to our roster is not only a tremendous honour but a fantastic vehicle for doing good in the local areas we operate in. "There is a real vision and desire from the owners to use football to regenerate places and lives and we will ensure they can do that through the most appropriate use of technology and by driving shared connections in the city." Birmingham City chief executive Garry Cook added: "We took over 18 months ago and the focus was on fixing and building the football club.

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£12m innovation boost for North West shipping, nuclear and cybersecurity

£12m innovation boost for North West shipping, nuclear and cybersecurity

By  -  2025-12-01 13:01:52

Three North West innovation clusters have won millions of Government cash to boost businesses and universities in areas from nuclear robotics to cybersecurity and maritime decarbonisation. The Engineering and Physical Sciences Research Council (EPSRC) is investing £22m in seven “research and innovation clusters” across the nations and regions of the UK. Two of the projects are rooted in the North West, with a third designed to connect the nuclear legacies of Cumbria and Oxfordshire. The CyberFocus project , led by Prof Daniel Prince at Lancaster University, has secured £4.9m in EPSRC funding. It aims to “fuel the socio-economic potential of the North West cyber sector to ensure that the UK remains at the forefront of cutting-edge cyber security”. It brings together universities, businesses and public sector bodies across Greater Manchester, Merseyside, Lancashire and Cumbria. The EPSRC added: “The project benefits from the arrival of Government Communications Headquarters in Manchester and the imminent arrival of the National Cyber Force in Lancashire. It will foster cross-cluster collaborations with other regional specialisms in aerospace, defence, nuclear and manufacturing.” The project aims to create 85 new collaborative partnerships, develop 400 new products, processes or services, secure an extra £40m in funding for the North West, and to train 300 people in cyber innovation skills. The Maritime and Last Mile Net Zero (MaLaMi) project , led by Prof Zaili Yang at Liverpool John Moores University with other university and public sector partners, aims to accelerate maritime transport decarbonisation and grow low-carbon logistics in Liverpool City Region and across the shipping corridor to Belfast. The maritime economy contributes some £800m in gross value added (GVA) to Liverpool City Region annually, handling 45% of UK trade from North America. The EPSRC said: “MaLaMi will bring greater cohesion and join up researchers, civic bodies and businesses to drive innovation across the maturing LCR maritime cluster that covers areas including commercial shipping, transport, fuels and vessel designs.” And the research body said its £2.5m investment would “lead to the translation of research and technology into commercial applications that will benefit the maritime industry” and “provide insights that could be extended to national levels”. Meanwhile the UK Atomic Energy Authority (UKAEA) will lead the creation of a £4.9m nuclear robotics and artificial intelligence (RAI) cluster across Cumbria and Oxfordshire. The cluster will advance work on the decommissioning of the UK’s legacy nuclear fission facilities . The UKAEA said the cluster will connect academia with the supply chain and added: “The cluster will enable regional growth, create and retain jobs, and help establish the UK as the international lead in nuclear innovation, a US$1 trillion industry.” The project aims to: Create 200 business opportunities Establish 10 spin-out companies Generate 200 new jobs Engage 5,000 people in cluster-driven events Deliver 25 licensing deals Dr Kirsty Hewitson, director of RAICo at UKAEA, said: “As part of our mission to bring fusion energy to the grid, UKAEA hosts the UK’s largest nuclear robotics and artificial intelligence group, with the ability to design, build, and operate robotics for extreme industrial environments. “This new robotics and AI cluster provides an opportunity for UKAEA to leverage our expertise, in collaboration with other consortium partners, wider academia and industry, to develop innovative robotics and AI solutions for nuclear fission and fusion energy decommissioning and adjacent sectors. “UKAEA welcomes this support from UKRI and we look forward to working with university and civic partners to drive research and development that delivers real economic and social impact to Cumbria and Oxfordshire.” EPSRC executive chair, Prof Charlotte Deane, said: “The seven projects announced today will harness regional research and innovation strengths to unleash the potential of emerging and existing innovation clusters across the UK. “Our investment will strengthen partnerships between UK universities, civic bodies and local businesses to create new jobs, improve skills and boost regional economic growth that will benefit places and communities directly. The other clusters are a Digital Healthcare Technology Impact Accelerator (DHTA) in Belfast, a ‘RehabTech Valley’ project in the East Midlands, a scheme to accelerate innovation in the Forth and Tay offshore wind cluster in Scotland, and the North East Space Communications Accelerator (NESCA). CyberFocus: cyber impact for the North West EPSRC investment: £4.9 million Led by: Professor Daniel Prince, Lancaster University University and civic partners: Nuclear robotics and AI cluster across Cumbria and Oxfordshire EPSRC contribution: £4.9 million Led by: Dr Kirsty Hewitson, UK Atomic Energy Authority University and civic partners: Maritime and Last Mile Net Zero (MaLaMi) Led by: Professor Zaili Yang Liverpool John Moores University EPSRC contribution: £2.5 million University and civic partners:

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X-ray tech firm Silveray secures £4m seed funding led by Northern Gritstone

X-ray tech firm Silveray secures £4m seed funding led by Northern Gritstone

By  -  2025-12-13 23:21:09

X-ray technology company Silveray has secured a £4m investment led by Northern Gritstone ahead of its first product launch next year. The Stockport business has developed a sensitive flexible material that converts x-rays into digital x-ray images at the point of use. It says the technology can save time and money compared with traditional radiographic film. Now science and tech-focused investment vehicle Northern Gritstone, which is chaired by Lord Jim O’Neill, has unveiled a £4m seed extension investment into Silveray. The investment consortium welcomes deep tech investors Empirical Ventures, Deeptech Labs, and Hamamatsu Ventures alongside existing backers Northern Gritstone and ACF Investors. The funding will allow Silveray to complete development of its first Digital X-ray Film (DXF) product ready to launch in 2025. The company was founded at the University of Surrey in 2018 by Professor Ravi Silva and relocated to Greater Manchester in 2022 “to gain access to the North of England’s rich talent pool and resources”. The business has worked with X-ray specialists at the University of Manchester on its technology. Dan Cathie CEO of Silveray said: “Silveray’s initial goal is to digitise radiographic film, so that radiographers are no longer restricted to exposing, developing, viewing, and storing film. Early customer engagement in industrial means we are confident of becoming revenue generating in 2025 and Northern Gritstone’s investment will help us achieve that.” Duncan Johnson, CEO of Northern Gritstone, said: “The progress made by the Silveray team since our initial investment in 2023 has been phenomenal. Dan Cathie and his team have the enviable combination of innovation and entrepreneurialism having developed a novel digital x-ray solution with numerous applications which are already disrupting the analogue x-ray market. We are delighted to continue our support of Silveray as it builds its commercial traction, helping the team on its path to success.” Katsuhiro Kobayashi, CEO of Hamamatsu Ventures Japan said “Silveray’s novel nanoparticle-based direct X-ray conversion material could completely disrupt x-ray imaging markets. We look forward to our strategic collaboration with Silveray and sharing our industry expertise to accelerate their growth.”

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New jobs created as Synthotech develops new Yorkshire water technology hub

New jobs created as Synthotech develops new Yorkshire water technology hub

By  -  2025-11-30 22:33:31

New jobs are being created at a water technology hub in North Yorkshire being developed by an advanced engineering company. Synthotech, based in Harrogate, develops monitoring and leak detection technology for utility companies, tapping into robot technology to slash work times and costs. The business designs and builds advanced pipeline inspection systems and robotics to detect leaks and fix pipes. The robots can be deployed remotely for long distances, speeding up the investigation process, and its AI-capable robots are designed, developed and manufactured in the UK. Now a new technology centre is being created which will create eight jobs, after it secured £7.3m of funding to be used for water and multi-utility no-dig technologies. The centre’s development also comes as the firm releases its latest innovation, the SynthoCAM H20 – a CCTV inspection system which allows water networks to inspect drinking water pipes to make sure their pipelines and working effectively and are free of leaks, without interrupting customers’ water supply. The innovation will prove significant for Synthotech’s clients, as leakage from underground water pipelines is a big challenge to the water industry, with an estimated one fifth of all treated water being lost, adding up to nearly one trillion litres a year across the UK. Synthotech’s innovation division, Synovate, was recently awarded two contracts in Ofwat’s Water Breakthrough Challenge worth £5.8m and it will use its latest robot technology to identify and repair links from within live water mains, without the need for extensive excavations, thereby minimising interruptions to water supplies.

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TSG continues year-on-year growth with turnover and profit hikes

TSG continues year-on-year growth with turnover and profit hikes

By  -  2025-12-07 05:19:57

IT firm Technology Services Group (TSG) is on the acquisition path, its CEO has said, on the back of further turnover and operating profit rises. The Gateshead-based firm, a specialist Microsoft Partner that provides a range of computing and AI services, has plans to make up to three acquisitions a year over the next three years, with due diligence work already under way on two opportunities following the purchase of an education-focused accountancy software firm last year. New accounts for the business - covering the year to the end of March 2024 - show the third consecutive year of more than 10% growth, with turnover rising more than 12% to £39.8m. Operating profits were up 49% to £4.64m, after charging £90,000 to the TSG Corporate Foundation which donates a percentage of the company's profits to charities and community initiatives each year. Bosses said the 280-strong business, which also has offices in London and Glasgow, had seen improved trading performance year-on-year, including 22% growth in project services revenue and 11% growth in revenue from recurring income streams. CEO Rory McKeand told BusinessLive: "The growth has come from work all over the UK and we've seen an additional 100 clients, which is brilliant. We have a really good retention rate of over 98% of our clients as well - which is great because technology is a competitive environment with lots of different providers out there in the landscape." Mr McKeand is now looking to grow TSG turnover to around £100m in the next few years, half of which is expected to come from organic growth. The results have been published following the multimillion-pound management buyout of TSG in July last year in which Mr McKeand and his leadership team were backed by private equity firm Pictet Alternative Advisors, which acquired TSG from founding shareholders Sir Graham Wylie and David Stonehouse. At the time, Pictet, which controls about £612bn of assets, said the firm had an attractive business model and that it saw the potential to expand TSG organically and through mergers and acquisitions. The first of those acquisitions came in November last year, when TSG snapped up Aylesbury-based multi-academy trust tech provider Dayta in an effort to strengthen its presence in the education market. That multimillion-pound deal was said to be ideal for TSG, which offers its Academy learning platform to clients so their teams can get the most from the technologies it provides. Subsequent deals in the Midlands and South East are now expected to follow with potential for another on home, North East soil. Mr McKeand has previously talked of his intentions to build on success of the company over the past two decades and strengthen TSG's position as the "UK's mid-market business tech partner". He also highlighted the introduction of an employee benefit trust set up so that all employees can become a shareholder in the business - a model that will be extended to employees of those companies TSG acquires.

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Tyneside tech firm Leighton moves to new city centre offices

Tyneside tech firm Leighton moves to new city centre offices

By  -  2025-12-09 02:11:45

North East software development company Leighton has relocated its regional headquarters to a prime office scheme in Newcastle city centre. Leighton, which specialises in building software products and optimising processes for customers, had been based at The Core at Newcastle Helix, but has now moved its head office to the 14-storey Bank House in Pilgrim Street. The company has taken space within the Cubo offices, the top two floors of the building that the flexible workspace provider opened up last year. Leighton reached a significant milestone as it celebrates the growth of its team to 100 colleagues following another year of sustained growth. The office – the first site for Cubo in the North East – gives members a 360-degree panoramic view of the city’s skyline. The company said it saw a 31% increase in revenue during its 2024 financial year and is set for another year of record performance at the end of the 2025 financial year, with projected growth in the double figures, through its work with customers including British Airways, Atom Bank, Equans, IAG Loyalty and Greggs. James Bunting, CEO at Leighton, said the relocation reinforces its commitment to maintaining headquarters in the North East while supporting its growing hybrid workforce, who will be able to take advantage of Cubo’s national network of locations. Mr Bunting said: “This transition marks a significant milestone for Leighton, as we continue to invest in an environment where our team and customers can come together to thrive, collaborate and innovate. Access to Cubo’s office network across the UK is important to us as it will ensure all of our team will have access to spaces where great work happens, and our culture comes to life. It also reflects our ongoing commitment to retaining a headquarters in the North East and supporting the growing tech sector in the region.” Last year the business made key strategic appointments, which included welcoming Lee Gilmore as principal solutions architect, and Clare Gledhill as chief consulting officer to lead on the company’s consultancy offering. Mr Gilmore added: “The tech sector in the North East is a growing hub and we’re only going to see more focus, business, and talent around what is already a thriving sector. It’s great to be working with like-minded individuals who are so invested in cultivating and growing the amazing talent already working in the region.”

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