56 1GM Saturday September 10 2016 | the times Money 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 UK rcibank.co.uk Freedom Savings £100 1.20% Rate LTV Until Provider Contact APR month repaid ICICI Bank UK via branch SuperSaver Savings £1 1.15% Mansfield BS 01623 676345 2.94% (D) 2 yrs 95% £499 1st 2 yrs Ikano Bank 0344 856 5743 3.2% £180.37 £10,822.20 National Counties BS ncbs.co.uk 3rd Issue Capital Saver £500 1.11% Hanley Economic BS 01782 255000 3.04% (D) 2 yrs 95% Nil 1st 2 yrs HSBC 0800 032 4735 3.3% £180.80 £10,848.00 shawbrook.co.uk Easy Access - Issue 6 £1,000 1.10% Yorkshire BS 0345 120 0874 3.69% (F) to 31.10.18 95% Nil To 31.10.18 M&S Bank 0800 363400 3.3% £180.80 £10,848.00 Bank plc * investec.co.uk E-asy Access Account £25,000 1.10% Melton Mowbray BS 01664 414141 3.19% (D) 3 yrs 95% Nil 1st 3 yrs Sainsbury's Bank 0800 169 8503 3.3% £180.80 £10,848.00 Long-term fixed rates Saffron BS 0800 072 1100 3.97% (F) to 30.9.21 95% £495 To 30.9.21 Minimum income restrictions may apply. APR may be dependent on credit rating. Remortgages Provider Contact Account Min AER Redmptn Credit cards BLME blme.com Premier Deposit (5 yr) £25,000 2.20% Provider Contact Initial Period Max Fee Charge BLME blme.com Premier Deposit (7 yr) £25,000 2.20% Rate LTV Until Introductory rate for balance transfers via branch Retail (5 yr) £2,000 2.00% Darlington BS 01325 366366 1.54% (D) to 30.11.18 80% £319 To 30.11.18 Bal trans Purch via branch Retail (5 yr) £2,000 2.00% Leeds BS 0845 045 4049 1.60% (F) to 31.10.18 80% £999 To 31.10.18 Provider Contact Product name Transfer Fee APR Shawbrook Bank shawbrook.co.uk Fixed Rate Bond (5 yr) £5,000 2.00% Melton Mowbray BS 01664 414141 1.50% (D) 3 yrs 65% Nil 1st 3 yrs MBNA mbna.co.uk Plat 41 Mth BT Visa 0% 1st 41 mths 3.49% 18.9% Easy-access cash Isas Saffron BS 0800 072 1100 2.19% (D) 3 yrs 80% Nil 1st 3 yrs 0800 028 3258 41 Mth BT M'Card 0% 1st 41 mths 3.50% 18.9% 0800 482448 2.18% (F) 5 yrs 75% NIl 1st 5 yrs Virgin Money 0800 389 2875 41 Mth BT CC M'C 0% 1st 41 mths 4.00% 20.9% Provider Contact Account Min AER 0800 328 5984 Plat 40 Mth BT M'C 0% 1st 40 mths 2.41% 18.9% Family BS 03330 140141 Tracker Cash Nisa 1 £500 1.22% Short-term fixed-rate mortgages 0345 300 4278 Clubcard for BT M'C 0% 1st 40 mths 2.69% 18.9% M&S Bank 0808 002 2222 Advantage Cash Isa £1 1.10% Redmptn Provider Contact Initial Period Max Fee Charge Coventry BS 0800 121 8899 Easy Access Isa 4 £1 1.10% Rate LTV Until Introductory rate for purchases Scottish BS 0131 313 7700 Loyalty Cash ISA £1 1.10% HSBC 0808 256 6876 0.99% to 31.10.18 65%£1,499 To 31.10.18 Introductory Purch Virgin Money virginmoney.com Defined e-Isa 9 £1 1.05% Yorkshire BS 0345 120 0874 1.57% to 31.10.18 85% £975 To 31.10.18 Provider Contact Product name Term APR Fixed-cash Isas Yorkshire BS 0345 120 0874 2.49% to 31.10.18 90% Nil To 31.10.18 Sainsbury’s Bank 0800 030 4418 Nectar Purchase MC 0% 1st 27 mths 18.9% Post Office Money® 0800 169 2000 Matched MasterCard 0% 1st 27 mths 18.9% Provider Contact Account Min AER Newcastle BS 0345 606 5148 1.88% to 31.10.19 80% £999 To 31.10.19 Yorkshire Bank 0800 678 3320 Gold MasterCard 0% 1st 26 mths 18.9% Shawbrook Bank shawbrook.co.uk 5 Yr Fixed Isa Issue 4 £5,000 1.70% Virgin Money 0345 850 2325 2.58% to 1.11.19 90% £995 To 1.11.19 AA 0345 600 5606 Dual CC MasterCard 0% 1st 26 mths 18.9% Skipton BS skipton.co.uk 5 Yr Fixed Rate Isa £500 1.60% Long-term fixed-rate mortgages Barclaycard 0800 731 0200 Plat Purchase & BT MC 0% 1st 25 mths 18.9% Principality BS 0845 045 0452 5 Yr Fixed Rate Isa 156 £500 1.55% Redmptn Julian 0800 840 2810 5 Yr Fixed Rate Isa £5,000 1.55% Provider Contact Initial Period Max Fee Charge Rate LTV Until Virgin Money virginmoney.com 5 Yr Fixed Rate e-Isa 187 £1 1.50% Cashback credit card first direct 0800 482448 2.18% 5 yrs 75% Nil 1st 5 yrs Help-to-buy cash Isas Purchase Hinckley & Rugby BS 0800 774499 2.44% 5 yrs 85% £999 1st 5 yrs Provider Contact Product name APR Cashback Provider Contact Account Min AER Leek United BS 0845 219 0250 2.89% to 31.10.21 90% £995 To 31.10.21 American Express 0800 169 6767 Plat Cashback Amex 28.2% 1.25% standard Bank 0800 400100 Help to Buy: Isa £1 2.27% Coventry BS 0800 121 8899 2.49% to 31.12.26 65% £999 To 31.12.26 Intro 5%/3mth (max £125) Santander 0800 389 9905 123 C’d M'Card 18.4% 1%-3% dependson Buckinghamshire BS 01494 879500 Help to Buy: Isa 2 £1 2.25% HSBC 0808 256 6876 2.99% to 31.10.26 80% Nil To 31.10.26 on spend Nationwide BS nationwide.co.uk Help to Buy: Isa £1 2.00% Variable-rate mortgages ASDA Money 0371 704 3369 Cashback Plus CC M’Card 26.2% 1% standard NatWest 0800 200 400 Help to Buy: Isa £1 2.00% Redmptn 2% on all ASDA spend HSBC 0345 740 4404 Help to Buy: Isa £1 2.00% Provider Contact Initial Period Max Fee Charge AA 0345 600 5606 Fuelsave CC M’Card 22.4% 0.5% Standard Rate LTV Until 2% or 4% on fuel Regular savings accounts Coventry BS 0800 121 8899 1.65% term 65% £999 None NewDay Ltd aquacard.co.uk aqua Reward M'Card 34.9% 0.5% capped Provider Contact Account Min AER Coventry BS 0800 121 8899 1.69% term 75% £999 None at £100 pa Mntly Coventry BS 0800 121 8899 1.89% term 85% £999 None Alternative terms or card products may be offered according to credit status. Saffron BS via branch 12 Mth Fixed Members 3 £10 3.50% F Coventry BS 0800 121 8899 2.09% term 85% £499 None via branch Regular Saving Issue 2 £25 3.25% V Coventry BS 0800 121 8899 2.35% term 90% £999 None Current accounts Santander santander.co.uk Regular eSaver £0 3.00% V Nottingham BS 0844 481 4444 Go for Gold Saver £1 3.00% V Help-to-buy mortgage guarantee Credit interest Leeds BS 0845 045 4048 Regular Saver Issue 4 £50 2.30% V Redmptn Account Provider Contact Initial Period Max Fee Charge Provider Contact Account name Fee AER ** Pension annuities Rate LTV Until Halifax 0345 720 3040 Reward Current Account None £5 pm Post Office Money® 0800 077 8033 3.74% (F) to 31.7.18 95% Nil To 31.7.18 TSB 0345 835 3863 Classic Plus None 5% Single life Virgin Money 0345 850 2325 3.79% (F) to 1.11.18 95% Nil To 1.11.18 Nationwide 0800 302 010 FlexDirect None 5% Provider Contact Age 60 Age 65 Age 70 Post Office Money® 0800 077 8033 4.19% (F) to 31.7.19 95% Nil To 31.7.19 Tesco Bank tescobank.com Current Account None 3% Prudential 0808 234 5100 £1,981.06 £2,282.98 £2,577.86 Post Office Money® 0800 077 8033 4.48% (F) to 31.7.21 95% Nil To 31.7.21 Nationwide 0800 302 010 FlexPlus £10 pm 3% Canada Life 0845 300 3199 £1,931.40 £2,268.00 £2,633.40 Halifax 0845 727 3747 4.64% (F) to 30.11.21 95% £495 To 30.11.21 Hodge Lifetime 0800 023 7233 £1,946.00 £2,266.00 £2,674.00 Mortgages shown are based on true rate and may include incentives Authorised overdrafts AEGON 0845 601 5273 £1,899.00 £2,241.00 £2,604.60 Account Usage National Savings & Investments Provider Contact Account name Fee EAR Fee Legal & General 0845 765 4465 £1,765.56 £2,173.08 £2,437.20 First Direct 0800 242 424 1st Account £10 pm*** 15.9% £0 Notice or Min AER Interest Joint life Term Paid M&S Bank 0800 756 7777 M&S Current Account None 15.9% £0 Provider Contact Male: Age 60 Age 65 Age 70 Accounts and bonds Post Office Money postoffice.co.uk Standard Account None 14.6% £0 Female: Age 55 Age 60 Age 65 NS&I Direct Saver None £1 0.80% Yearly 0800 046 6486 Standard Current Account None 15.94% £0 Retirement Advantage 0800 912 9945 £1,638.72 £1,806.72 £1,913.04 Income Bonds None £500 1.00% Monthly The Co-operative Bank 0345 721 2212 Current Account None 18.9% £0 Canada Life 0845 300 3199 £1,593.84 £1,789.44 £2,046.36 Investment None £20 0.45% Yearly Monthly funding requirements may apply Prudential 0808 234 5100 £1,629.83 £1,788.14 £1,973.82 * = Expected profit rate, this provider operates under islamic finance principles. Hodge Lifetime 0800 023 7233 £1,584.00 £1,787.00 £2,029.00 Tax-free products ** = Based on funding of £1,000 pm. *** = Fee waived if minimum funding of £1,000 is met. Aviva 0845 944 4800 £1,542.09 £1,713.68 £1,941.62 Direct Isa None £1 1.00% Yearly F = Fixed rate. D = Discounted variable rate. V = Variable rate. Based on a pension pot of £50,000 Children’s Bonds Iss 35 5 Yr Bnd £25 2.50% Yearly Mortgages are based on true cost and may include incentives, visit www.moneyfacts.co.uk