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 Virgin Money virginmoney.com Double Take E-Saver 10 £1 1.50% Rate LTV Until Provider Contact APR month repaid Virgin Money virginmoney.com MUFC Double Take E-Saver 5 £1 1.50% Loughborough BS 01509 631950 1.99% D for 2 years 95% £999 1st 2 yrs Admiral 0292 080 8688 2.9% £179.07 £10,744.20 via website Online Easy Access - 33 £1,000 1.50% Newcastle BS 0345 606 4488 2.59% F to 31.7.21 95% £498 To 31.7.21 John Lewis FS 0345 266 1380 2.9% £179.07 £10,744.20 Yorkshire Building Society ybs.co.uk Online Single Access 17 £100 1.46% Melton Mowbray BS 01664 414141 2.79% D for 3 years 95% - 1st 3 yrs M&S 0800 363 400 2.9% £179.07 £10,744.20 Sainsbury’s Bank 0808 540 5060 Defined Access Saver - 8 £1,000 1.45% Saffron BS 0800 072 1100 3.07% F to 30.9.22 95% - To 30.9.22 Sainsbury's Bank 0800 169 5803 2.9% £179.07 £10,744.20 Long-term fixed rates Monmouthshire BS 0845 888 8000 3.08% F for 5 years 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 AgriBank A agribankplc.com Raisin UK - Fixed Deposit (5 yr) £10,000 3.05% F Provider Contact Initial Period Max Fee Charge Gatehouse Bank via website Raisin UK - Fixed Deposit (5 yr) £1,000 2.75% F Rate LTV Until Introductory rate for balance transfers BLME B blme.com Premier Deposit (7 yr) £1,000 2.75% F 0800 783 3534 1.63% F to 31.5.21 80% £999 To 31.5.21 Bal trans Purch BLME B blme.com Premier Deposit (5 yr) £1,000 2.70% F Mansfield BS 01623 676345 2.05% D for 3 years 80% £499 1st 3 yrs Provider Contact Product name Transfer Fee APR via website Fixed Rate Bond (24.4.26) £1,000 2.65% F Mortgage 0333 202 7580 1.90% F to 31.7.24 75% £999 To 31.7.24 0345 944 4555 29 Mth BT CC MC 0% 1st 29mth 3% 19.9% Easy access cash Isas Barclays Mortgage 0333 202 7580 2.08% F to 31.7.24 85% £999 To 31.7.24 Sainsbury's Bank 0808 540 5060 Balance Transfer CC MC 0% 1st 29mth 3% 19.9% Coventry BS 0800 121 8899 2.15% V for term 75% £999 None HSBC 0345 740 4404 Balance Tfr CC Visa 0% 1st 28mth 1.4% 21.9% Provider Contact Account Min AER Barclaycard 0800 731 0200 Platinum 28 Mth BT V 0% 1st 28 mths 1.75% 19.9% Yorkshire Building Society ybs.co.uk Online Single Access Isa 5 £100 1.46% Short-term fixed-rate mortgages Virgin Money 0800 389 2875 28 Mth BT CC MC 0% 1st 28 mths 1.75% 20.9% Kent Reliance via webiste ISA - Easy Access - 18 £1,000 1.46% Redmptn Provider Contact Initial Period Max Fee Charge Leeds BS via website Ltd Issue Online Isa (11) £1,000 1.46% Rate LTV Until Introductory rate for purchases Virgin Money virginmoney.com Double Take E-Isa 5 £1 1.45% Yorkshire BS 0345 120 0874 1.54% to 30.6.21 65% £995 To 30.6.21 Introductory Purch Virgin Money virginmoney.com MUFC Double Take E-Isa 4 £1 1.45% 0800 482448 1.64% for 2 years 75% £490 1st 2 yrs Provider Contact Product name Term APR Fixed-cash Isas Yorkshire BS 0345 120 0874 1.84% to 30.6.21 90% £995 To 30.6.21 MBNA Limited 0345 606 2062 0% Tfr & Pur CC MC 0% 1st 28 mths 19.9% Virgin Money 0800 389 2875 28 Mth Pur CC MC 0% 1st 28 mths 19.9% Provider Contact Account Min AER Yorkshire BS 0345 120 0874 1.89% to 30.6.22 85% £995 To 30.6.22 Sainsbury's Bank 0808 540 5060 Dual Offer CC MC 0% 1st 28 mths 20.9% shawbrook.co.uk 5 Yr Fixed Isa 16 (5 yr) £1,000 2.30% F Barclays Mortgage 0333 202 7580 2.09% to 31.7.22 90% £999 To 31.7.22 Barclaycard 0800 731 0200 27 Mth Pur & BT Visa 0% 1st 27 mths 19.9% United Trust Bank via post Isa 5 Yr Bond (5 yr) £15,000 2.30% F Long-term fixed-rate mortgages Sainsbury's Bank 0808 540 5060 Purchase CC MC 0% 1st 27 mths 20.9% United Trust Bank via post Isa 4 Yr Bond (4 yr) £15,000 2.20% F Redmptn Coventry BS 0800 121 8899 Fixed Isa (82) (31.5.24) £1 2.15% F Provider Contact Initial Period Max Fee Charge Rate LTV Until State Bank of India via branch 5 Yr Isa Fixed (5 yr) £5,000 2.15% F Cashback credit card Yorkshire BS 0345 120 0874 1.96% to 30.6.24 75% £995 To 30.6.24 Help-to-buy cash Isas Purchase Yorkshire BS 0345 120 0874 2.10% to 30.6.24 85% £995 To 30.6.24 Provider Contact Product name APR Cashback Provider Contact Account Min AER Coventry BS 0800 121 8899 2.29% to 30.6.24 90% £999 To 30.6.24 American Express 0800 917 8047 Platinum Cashback 28.2% 1% - 1.25% standard Barclays Bank 0345 744 5445 Help to Buy: Isa £1 2.58% TSB 0345 975 8758 2.29% to 31.8.29 60% £995 To 31.8.29 Intro 5%/3mth (max £125) American Express 0800 917 8047 Plat Cashback Everyday 22.9% 0.50%-1% standard NatWest 0800 200400 Help to Buy: Isa £1 2.50% Coventry BS 0800 121 8899 2.59% to 30.6.29 85% £999 To 30.6.29 Intro 5%/3mth (max £100) ulsterbank.co.uk Help to Buy: Isa £1 2.50% Variable-rate mortgages Santander 0800 389 9905 All in One CC M'card 21.7%Standard 0.50% on spend Nationwide BS nationwide.co.uk Help to Buy: Isa £1 2.50% Redmptn over £1 per year Virgin Money virginmoney.com Help to Buy: Isa 4 £1 2.50% Provider Contact Initial Period Max Fee Charge Tandem Bank 0203 370 0970 Cashback CC M’Crd 18.9%Standard 0.50% on spend Rate LTV Until over £1 per transaction Regular savings accounts Coventry BS 0800 121 8899 2.15% term 75% £999 None smile.co.uk Classic CC Visa 16.9%Standard 0.25% on spend Provider Contact Account Min AER Coventry BS 0800 121 8899 2.25% term 85% £999 None over £1 per month Mntly Coventry BS 0800 121 8899 2.39% term 90% £999 None Borrowing rates and availability of products are subject to individual credit ratings. Terms apply Saffron BS via branch 12 Mth Fixed Saver (3) £10 3.50% F Coventry BS 0800 121 8899 2.49% term 75% £499 None Virgin Money via branch Regular Saver Issue 16 £1 3.00% F Coventry BS 0800 121 8899 2.59% term 85% £499 None Current accounts Kent Reliance via branch 1 Yr Regular Savings - 3 £1 3.00% V Yorkshire Building Society via branch Monthly Regular Saver 2 £0 2.50% V Buy-to-let Mortgages Credit interest Monmouthshire BS via branch Regular Saver Bond - 3 £0 2.50% F Redmptn Account Provider Contact Initial Period Max Fee Charge Provider Contact Account name Fee AER Pension annuities Rate LTV Until The Co-op Bank 0345 721 2212 Currt Everyday Rewards None £4 pm C Leek United BS 0845 219 0250 2.04% D for 2 years 65% £199 None TSB 0345 975 8758 Classic Plus None 5% Single life Coventry BS 0800 121 8899 2.29% V for term 75%£1,999 None Nationwide BS 0800 302 010 FlexDirect None 5% E Provider Contact Age 60 Age 65 Age 70 Leek United BS 0845 219 0250 1.79% F to 31.7.21 65% £995 To 31.7.21 Halifax 0345 720 3040 Reward Current Account None £2 pm C Aviva 0800 015 5064 £2,100.04 £2,551.45 £2,843.12 Virgin Money 0330 057 1701 2.03% F to 1.7.22 60% £995 To 1.7.22 Nationwide BS 0800 302 010 FlexPlus £13 pm 3% Legal & General 0345 765 4465 £2,201.40 £2,521.32 £2,880.00 Halifax 0345 850 3705 2.60% F to 31.5.24 75% - To 31.5.24 Hodge Lifetime 0800 023 7233 £2,158.00 £2,469.00 £2,844.00 Terms and conditions may apply when you repay your mortgage. Arranged overdrafts Canada Life 0345 300 3199 £2,139.48 £2,453.28 £2,814.24 Account Usage National Savings & investments Provider Contact Account name Fee EAR Fee Just 0345 302 2287 £2,022.24 £2,375.76 £2,762.28 First Direct 0800 242424 1st Account £10 pm G 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 Accounts and bonds starlingbank.com Current Account None 15.0% £0 Female: Age 55 Age 60 Age 65 Gt’d Growth Bonds 58 3 Yr Bnd £500 1.95% Yearly Smile 0345 721 2212 Current Account None 18.9% £0 Legal & General 0345 765 4465 £1,804.56 £2,050.44 £2,275.80 Gt’d Income Bonds 58 3 Yr Bnd £500 1.92% Monthly Nationwide BS 0800 302010 Flex Account None 18.9% £0 Hodge Lifetime 0800 023 7233 £1,817.00 £2,022.00 £2,261.00 Gt’ Growth Bonds 63 1 Yr Bnd £500 1.50% Yearly Current account interest paid to a level. A = Protected by non-UK compensation scheme. B = Operates Canada Life 0345 300 3199 £1,828.08 £2,017.68 £2,268.60 under Islamic finance principles, rate is expected profit. C = Paid as a reward. E = Introductory Aviva 0800 015 5064 £1,709.10 £2,005.62 £2,151.30 Tax-free products rate. G = Fee waived if minimum funding of £1,000 is met. All savings rates AER variable unless stated. Methods of operating accounts vary. F = Fixed rate. D= Discounted variable rate. Just 0345 302 2287 £1,711.68 £1,917.48 £2,190.96 Junior Isa Age 18 £1 3.25% Yearly V = Variable rate. No liability accepted for any loss arising from the use of this information. Based on a pension pot of £50,000. Direct Isa None £1 0.90% Yearly Readers who are not finance professionals should seek advice. Visit moneyfacts.co.uk for details.