Best Buys Data Supplied By

56 1GM Saturday April 21 2018 | the times Money Best buys Data supplied by

Savings Mortgages Personal loans Easy access (without introductory bonus) First-time buyer mortgages Fixed monthly repayment on £10,000 for 5 years Provider Contact Account Min AER Redmptn (without insurance) Provider Contact Initial Period Max Fee Charge Rep Amount per Total RCI Bank UK A rcibank.co.uk Freedom Savings £100 1.30% Rate LTV Until Provider Contact APR month repaid Shawbrook Bank shawbrook.co.uk Easy Access - Issue 11 £1,000 1.25% Monmouthshire BS 0845 888 8000 2.99% D for 2 years 95% £150 1st 2 yrs M&S Bank 0800 363400 2.8% £178.64 £10,718.40 Ford Money fordmoney.co.uk Flexible Saver £1 1.22% West Brom BS 0800 298 0008 3.39% F to 31.5.20 95% - To 31.5.20 Sainsbury's Bank 0800 169 8503 2.8% £178.64 £10,718.40 Kent Reliance kentreliance.co.ukEasy Access - Issue 25 £1,000 1.21% Melton Mowbray BS 01664 414141 2.79% D for 3 years 95% - 1st 3 yrs John Lewis 0345 266 1380 2.9% £179.07 £10,744.20 Virgin Money virginmoney.com Double Take E-Saver 5 £1 1.20% Yorkshire Bank 0800 202122 3.49% F to 30.6.21 95% - 1st 3 yrs TSB 0345 835 3861 2.9% £179.07 £10,744.20 Long-term fixed rates Yorkshire Bank 0800 202122 3.79% F to 30.6.23 95% - 1st 5 yrs Borrowing rates and availability of products are subject to individual credit ratings. Remortgages Provider Contact Account Min AER Redmptn Credit cards PCF Bank 0207 222 2426 Term Deposit 6 (7 yr) £1,000 2.75% F Provider Contact Initial Period Max Fee Charge Secure Trust Bank via website Fixed Bond (2.5.25) £1,000 2.75% F Rate LTV Until Introductory rate for balance transfers Secure Trust Bank via website Fixed Bond (3.5.24) £1,000 2.70% F Barclays Mortgage 0333 202 7580 1.86% F to 31.7.20 80% - To 31.7.20 Bal trans Purch Vanquis Bank vanquis.co.uk Savings (5 yr) £1,000 2.65% F Vernon BS 0161 429 6262 2.10% D for 3 years 80% £499 1st 3 yrs Provider Contact Product name Transfer Fee APR Secure Trust Bank via website Fixed Bond (3.5.23) £1,000 2.65% F first direct 0800 482448 1.99% F for 5 years 75% £490 1st 5 yrs MBNA Limited 0345 606 2062 Plat 36 Mth BT Visa 0% 1st 36 mths 1.99% 19.9% Easy-access cash Isas Virgin Money 0330 057 1701 2.01% F to 1.7.23 65% £995 To 1.7.23 nuba 0345 606 2062 Transfer CC Mastercard 0% 1st 36 mths 2.50% 19.9% Coventry BS 0800 121 8899 1.80% V for term 75% £999 None Tesco Bank 0345 300 4278 Clubcard CC for BT MC 0% 1st 36 mths 2.69% 18.9% Provider Contact Account Min AER Virgin Money 0800 389 2875 36 Month BT CC MC 0% 1st 36 mths 2.80% 20.9% Nationwide BS nationwide.co.uk Single Access Isa £1 1.30% Short-term fixed-rate mortgages Barclaycard 0800 731 0200 Platinum 35 mth BT Visa 0% 1st 35 mths 1.85% 19.9% Shawbrook Bank shawbrook.co.uk Easy Access Isa - 3 £1,000 1.25% Redmptn Provider Contact Initial Period Max Fee Charge Al Rayan Bank B 0808 231 6804 Instant Access Isa £50 1.23% Rate LTV Until Introductory rate for purchases Nottingham BS via branch Easy Access Isa - 2 £10 1.20% first direct 0800 482448 1.54% for 2 years 75% £490 1st 2 yrs Introductory Purch Tesco Bank 0345 678 5678 Instant Access Cash Isa £1 1.16% C Barclays Mortgage 0333 202 7580 1.98% to 31.7.20 85% - To 31.7.20 Provider Contact Product name Term APR Fixed-cash Isas Yorkshire BS 0345 120 0874 1.82% to 30.6.20 90% £495 To 30.6.20 Halifax halifax.co.uk Online 30mth MC 0% 1st 30 mths 18.9% Virgin Money 0800 389 2875 30mth All Round CC MC 0% 1st 30 mths 18.9% Provider Contact Account Min AER Tesco Bank 0345 051 8446 1.93% to 31.7.21 80% - To 31.7.21 MBNA Limited 0345 606 2062 All-round 30/30 CC Visa 0% 1st 30 mths 19.9% United Bank UK 0800 218 2266 5 Yr Fixed Rate Isa £2,000 2.65% F Virgin Money 0330 057 1701 2.18% to 1.7.21 90% £995 To 1.7.21 nuba 0345 606 2062 All-Round CC MC 0% 1st 30 mths 19.9% Shawbrook Bank shawbrook.co.uk 5 Yr Fixed Rate (10) £5,000 2.30% F Long-term fixed-rate mortgages Lloyds Bank lloydsbank.com Online Platinum 0% 1st 29 mths 18.9% Halifax 0345 726 3646 5 Yr Isa Saver Fixed £500 2.25% F Redmptn Furness BS 0800 843312 5 Yr Fixed Rate Isa (4) £1,000 2.20% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Hodge Bank 0800 028 3746 5 Yr Fixed Rate Isa £1,000 2.20% F Cashback credit card Chelsea BS 0345 120 0842 1.85% to 30.6.23 65%£1,695 To 30.6.23 Help-to-buy cash Isas Purchase HSBC 0808 256 6876 2.09% to 31.5.23 85% £999 To 31.5.23 Provider Contact Product name APR Cashback Provider Contact Account Min AER Barclays Mortgage 0333 202 7580 2.44% to 31.7.23 90% £999 To 31.7.23 American Express 0800 917 8047 Platinum Cashback 28.2% 1% - 1.25% standard Newcastle BS 0345 734 4345 Help to Buy: Isa £1 2.56% first direct 0800 482 448 2.49% for 10 years 60% - 1st 10 years Intro 5%/3mth (max £125) American Express 0800 917 8047 Everyday Plat Cashback 22.9% 0.5%-1% standard Barclays Bank 0800 400100 Help to Buy: Isa £1 2.53% first direct 0800 482 448 2.94% for 10 years 80% - 1st 10 years Intro 5%/3mth (max £100) Buckinghamshire BS 0149 487 9500 Help to Buy: Isa 2 £1 2.25% Variable-rate mortgages Santander 0800 389 9905 All in One CC M’card 21.7% 0.5% on spend Nottingham BS via branch Help to Buy: Isa £1 2.25% Redmptn over £1 per year Virgin Money virginmoney.com Help to Buy: Isa 4 £1 2.25% Provider Contact Initial Period Max Fee Charge Tandem Bank 0203 370 0970 Cashback CC M’card 18.9% Standard 0.5% on spend Rate LTV Until over £1 per month Regular savings accounts Coventry BS 0800 121 8899 1.80% term 75% £999 None First Trust Bank 0.5% on spend over £5K 0800 382265 Visa/M'card Option 1 18.9% Provider Contact Account Min AER Coventry BS 0800 121 8899 2.00% term 85% £999 None (NI) a year Mntly Coventry BS 0800 121 8899 2.20% term 75% £499 None Terms apply to cashback Saffron BS via branch 12 Month Fixed (3) £10 3.50% F . Coventry BS 0800 121 8899 2.40% term 85% £499 None Santander santander.co.uk Regular eSaver (6) £0 3.00% F Coventry BS 0800 121 8899 2.70% term 90% £999 None Current accounts Kent Reliance via branch Regular Savings - 3 £1 3.00% V Leeds BS via website Regular Saver (14) £0 2.55% V Buy-to-let Mortgages Credit interest Lloyds Bank via branch Monthly Saver £25 2.50% F Redmptn Account Provider Contact Initial Period Max Fee Charge Provider Contact Account name Fee AER Pension annuities Rate LTV Until TSB 0345 975 8758 Classic Plus None 3% E Principality BS 0845 045 0006 1.80% D to 30.6.20 60% - To 30.6.20 Halifax 0345 720 3040 Reward Current Account None £3 pm G Single life Coventry BS 0800 121 8899 2.39% V for term 75%£1,999 None Nationwide BS 0800 302010 FlexDirect None 5% C Provider Contact Age 60 Age 65 Age 70 Virgin Money 0330 057 1701 1.96% F to 1.7.20 70% £995 To 1.7.20 Tesco Bank 0345 835 3353 Current Account None 3% Hodge Lifetime 0800 023 7233 £2,328.00 £2,640.00 £3,017.00 Virgin Money 0330 057 1701 1.69% F to 1.7.21 60%£1,995 To 1.7.21 Nationwide BS 0800 302010 FlexPlus £13 per month 3% Legal & General 0345 765 4465 £2,275.56 £2,608.08 £3,010.56 Principality BS 0845 045 0006 2.55% F to 30.6.23 75%£1,395 To 30.6.23 Canada Life 0345 300 3199 £2,270.88 £2,592.48 £2,956.56 Terms and conditions may apply when you repay your mortgage. Arranged overdrafts Aviva 0800 015 5064 £2,169.52 £2,551.10 £2,937.30 Account Usage National Savings & Investments Provider Contact Account name Fee EAR Fee Based on a pension pot of £50,000 First Direct 0800 242424 1st Account £10 pm H 15.9% £0 Notice or Min AER Interest Joint life Term Paid M&S Bank 0345 900 0900 M&S Current Account None 15.9% £0 Provider Contact Male: Age 60 Age 65 Age 70 Bonds Post Office Money® 0345 266 8977 Standard Account None 14.9% £0 Female: Age 55 Age 60 Age 65 Guaranteed Growth 57 3 Yr Bnd £500 1.95% Yearly Tesco Bank 0345 835 3353 Current Account None 18.9% £0 Hodge Lifetime 0800 023 7233 £1,982.00 £2,189.00 £2,429.00 Guaranteed Income 57 3 Yr Bnd £500 1.92% Monthly The Co-Operative Bank 0345 721 2212 Current Account None 18.9% £0 Canada Life 0345 300 3199 £1,941.84 £2,132.64 £2,385.60 Guaranteed Growth 62 1 Yr Bnd £500 1.50% Yearly Current account interest paid to a level, terms may applyfor rates. A = Protected by non-UK Legal & General 0345 765 4465 £1,885.56 £2,086.80 £2,316.72 compensation scheme. B = Provider operates under Islamic finance principles, rate is expected Aviva 0800 015 5064 £1,791.11 £2,042.55 £2,234.86 Tax-free products profit. C = Introductory rate. E = Up to £10pm reward. G = Paid as reward. H = Fee waived if funding of £1,000 met. Savings rates AER variable unless stated. F = Fixed rate. D= Discounted Junior Isa Age 18 £1 2.50% Yearly variable rate. V = Variable rate. All rates and terms subject to change. No liability accepted Based on a pension pot of £50,000 Direct Isa None £1 1.00% Yearly for any loss arising from use of this information. Go to moneyfacts.co.uk for full details

C = Introductory rate for a limited period. E = Up to £10pm reward available. G = Paid as reward. H = Fee waived if minimum funding of £1,000 is met. All savings rates are shown as AER variable unless otherwise stated. Methods of opening and operating accounts will vary. F = Fixed rate. D= Discounted variable rate. V = Variable rate. Call 0800 028 5351All rates andor terms visit are subject to change without notice and should be checked before finali- Subscribe and get the full picture thetimes.co.uk/offerasing any arrangement. No liability can be accepted for any direct or consequential loss arising from the use of, or reliance upon, this information. Readers who are not financial Save up to 37% on the cover price and access exclusive benefits. professionals should seek expert advice. Visit moneyfacts.co.uk for full details.

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