56 1GM Saturday October 6 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 Yorkshire Building Society via branch Single Access Saver 13 £100 1.41% Rate LTV Until Provider Contact APR month repaid Charter Savings via website Easy Access - Issue 10 £1,000 1.40% Leek United BS 0845 219 0250 2.74% D for 2 years 95% - None cahoot.com 2.8% £178.64 £10,718.40 Paragon Bank paragonbank.co.uk Ltd Edition Easy Access (7) £1 1.37% Yorkshire BS 0345 120 0874 2.87% F to 31.12.20 95% £495 To 31.12.20 Sainsbury's Bank 0800 169 8503 2.8% £178.64 £10,718.40 via website Branch & Online Access 30 £1,000 1.37% 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 7 £1 1.36% 0800 202122 3.19% F to 31.12.21 95% - 1st 3 yrs M&S Bank 0800 363400 2.9% £179.07 £10,744.20 Long-term fixed rates Yorkshire Bank 0800 202122 3.49% F to 31.12.23 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 BLME A blme.com Premier Deposit (7 yr) £10,000 2.75% F Provider Contact Initial Period Max Fee Charge Ikano Bank ikano.co.uk Fixed 5 Year Saver £1,000 2.70% F Rate LTV Until Introductory rate for balance transfers BLME A blme.com Premier Deposit (5 yr) £10,000 2.70% F Yorkshire Bank 0800 202122 1.99% F to 31.12.20 80% - 1st 2 yrs Bal trans Purch Masthaven Bank masthaven.co.uk Fixed Term Bond (5 yr) £500 2.69% F Darlington BS 01325 366366 2.24%D to 31.1.22 80% - To 31.1.22 Provider Contact Product name Transfer Fee APR Charter Savings Bank via website Fixed Rate Bond (5 yr) £1,000 2.68% F HSBC 0808 256 6876 1.94% F to 30.11.23 75% £999 To 30.11.23 0345 606 2191 Platinum 34-mth BT MC 0% 1st 34 mths 3.00% 19.9% Easy-access cash Isas Metro Bank 0203 427 1435 2.09% F for 5 years 80% £499 1st 5 yrs halifax.co.uk 34-month BT CC MC 0% 1st 34 mths 3.00% 19.9% Coventry BS 0800 121 8899 2.15% V for term 75% £999 None Barclaycard 0800 731 0200 Platinum 33-mth VT Visa 0% 1st 33 mths 1.95% C 19.9% Provider Contact Account Min AER MBNA Limited 0345 606 2062 Plat 33-mth BT Visa 0% 1st 33 mths 1.99% 19.9% Paragon Bank paragonbank.co.uk Ltd Edition Easy Isa (5) £1 1.37% Short-term fixed-rate mortgages Tesco 0345 300 4278 Clubcard 33-mth BT MC 0% 1st 33 mths 2.69% 19.9% Al Rayan Bank A 0808 231 6804 Instant Access Isa £50 1.36% Redmptn Provider Contact Initial Period Max Fee Charge Leeds BS via website Ltd Issue Online Isa (7) £1,000 1.36% Rate LTV Until Introductory rate for purchases Virgin Money virginmoney.com Double Take E-Isa 2 £1 1.35% Yorkshire BS 0345 120 0874 1.69% to 31.12.20 65% £495 To 31.12.20 Introductory Purch Virgin Money virginmoney.com MUFC Double E-Isa 1 £1 1.35% Post Office Money® 0800 077 8033 1.69% to 30.11.20 85% £495 To 30.11.20 Provider Contact Product name Term APR Fixed-cash Isas Yorkshire Bank 0800 202 122 1.79% to 31.12.20 90% £999 1st 2 yrs Sainsburys Bank 0808 540 5060 Dual Offer Credit Card MC 0% 1st 29 mths 19.9% Sainsbury's Bank 0808 540 5060 Purchase CC M'Card 0% 1st 29 mths 20.9% Provider Contact Account Min AER Coventry BS 0800 121 8899 1.89% to 31.12.21 85% £999 To 31.12.21 Post Office Money® 0345 607 6500 Online Platinum MC 0% 1st 28 mths 18.9% Coventry BS 0800 121 8899 Fixed Isa (67) 30.11.23 £1 2.30% F Yorkshire Bank 0800 202 122 2.19% to 31.12.21 90% £999 1st 3 yrs 0345 300 4278 Clubcard 28-mth Pur MC 0% 1st 28 mths 19.9% United Trust Bank via post Isa 5 Yr Bond £15,000 2.30% F Long-term fixed-rate mortgages MBNA Limited 0345 606 2062 All-round 28/28 CC Visa 0% 1st 28 mths 19.9% Furness BS 0800 843312 5 Year Fixed Isa (140) £1,000 2.20% F Redmptn United Trust Bank via post Isa 4 Yr Bond £15,000 2.20% F Provider Contact Initial Period Max Fee Charge Rate LTV Until shawbrook.co.uk 5 Yr Fixed Rate Isa 11 £5,000 2.15% F Cashback credit card Halifax 0345 727 3747 2.02% to 30.11.23 75% £995 To 30.11.23 Help-to-buy cash Isas Purchase M&S Bank 0800 923 1536 2.09% to 30.11.23 85%£1,094 To 30.11.23 Provider Contact Product name APR Cashback Provider Contact Account Min AER 0800 482448 2.25% for 5 years 90% £490 1st 5 yrs American Express 0800 917 8047 Platinum Cashback 28.2% 1% - 1.25% standard Bank 0800 400100 Help to Buy: Isa £1 2.58% TSB 0808 274 5506 2.39% to 30.11.28 60% £995 To 30.11.28 Intro 5%/3mth (max £125) American Express 0800 917 8047 Everyday Plat Cashback 22.9% 0.50%-1% standard Newcastle BS 0345 734 4345 Help to Buy: Isa £1 2.56% Coventry BS 0800 121 8899 2.65% to 31.12.28 85% £999 To 31.12.28 Intro 5%/3mth (max £100) NatWest 0800 200400 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 ulsterbank.co.uk Help to Buy: Isa £1 2.50% Redmptn over £1 per year Nationwide BS nationwide.co.uk Help to Buy: Isa £1 2.50% Provider Contact Initial Period Max Fee Charge Santander 0800 389 9905 World Elite M’card 49.8%Standard 0.50% on spend Rate LTV Until over £1 per month Regular savings accounts Coventry BS 0800 121 8899 2.15% term 75% £999 None Tandem Bank 0203 370 0970 Cashback CC M’card 18.9%Standard 0.50% 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 products subject to individual credit ratings. Terms apply to all cashback. Saffron BS via branch 12 Month Fixed (3) £10 3.50% F Coventry BS 0800 121 8899 2.45% term 75% £499 None Virgin Money via branch Regular Saver Issue 13 £1 3.00% F Coventry BS 0800 121 8899 2.55% term 85% £499 None Current accounts Kent Reliance via branch 1 Year Regular Savings - 3 £1 3.00% V Monmouthshire BS 01633 844330 Regular Saver Bond £0 2.50% F Buy-to-let Mortgages Credit interest Yorkshire Building Society 0345 120 0100 Monthly Regular Saver 2 £0 2.50% V Redmptn Account Provider Contact Initial Period Max Fee Charge Provider Contact Account name Fee AER Pension annuities Rate LTV Until The Co-operative Current Everyday Re- 0345 721 2212 None £4 pm E Leek United BS 0845 219 0250 1.60% D for 2 years 65% £995 None Bank wards Single life Coventry BS 0800 121 8899 2.19% V for term 75%£1,999 None TSB 0345 975 8758 Classic Plus None 5% Provider Contact Age 60 Age 65 Age 70 Post Office Money® 0800 077 8033 1.60% F to 30.11.20 70%£1,495 To 30.11.20 Nationwide BS 0800 302 010 FlexDirect None 5% G Hodge Lifetime 0800 023 7233 £2,295.00 £2,604.00 £2,977.00 Virgin Money 0330 057 1701 1.74% F to 1.1.22 60%£1,995 To 1.1.22 Halifax 0345 720 3040 Reward Current Account None £2 pm E Legal & General 0345 765 4465 £2,278.56 £2,596.56 £2,971.56 Post Office Money® 0800 077 8033 2.53% F to 30.11.23 75% £995 To 30.11.23 Tesco Bank 0345 835 3353 Current Account None 3% Canada Life 0345 300 3199 £2,232.00 £2,554.20 £2,918.88 Terms and conditions may apply when you repay your mortgage. Arranged overdrafts Aviva 0800 015 5064 £2,136.30 £2,514.21 £2,928.28 National Savings & Investments Just 0345 302 2287 £2,145.60 £2,484.24 £2,850.48 Account Usage Provider Contact Account name Fee EAR Fee Notice or Min AER Interest Joint life Term Paid First Direct 0800 242424 1st Account £10 pm G 15.9% £0 Provider Contact Male: Age 60 Age 65 Age 70 Bonds M&S Bank 0345 900 0900 M&S Current Account None 15.9% £0 Female: Age 55 Age 60 Age 65 starlingbank.com Current Account None 15.0% £0 Guaranteed Growth 58 3 Yr Bnd £500 1.95% Yearly Hodge Lifetime 0800 023 7233 £1,955.00 £2,158.00 £2,395.00 Post Office Money® 0345 266 8977 Standard Account None 15.2% £0 Guaranteed Income 58 3 Yr Bnd £500 1.92% Monthly Legal & General 0345 765 4465 £1,947.84 £2,111.76 £2,344.56 Tesco Bank 0345 835 3353 Current Account None 18.9% £0 Guaranteed Growth 63 1 Yr Bnd £500 1.50% Yearly Canada Life 0345 300 3199 £1,902.96 £2,094.60 £2,348.40 Current account interest paid to a level. A = Protected by non-UK compensation scheme. B = Operates Aviva 0800 015 5064 £1,757.69 £2,013.31 £2,229.39 Tax-free products under Islamic finance principles, rate is expected profit. C = Partially refunded. E = Introductory Just 0345 302 2287 £1,760.88 £1,978.08 £2,277.72 Junior Isa Age 18 £1 2.50% Yearly rate. G = Paid as reward. H = Fee waived if funding of £1,000 met. All savings rates AER variable unless stated. Methods of operating accounts vary. F = Fixed rate. D= Discounted variable rate. Based on a pension pot of £50,000. Direct Isa None £1 0.75% Yearly V = Variable rate. No liability accepted for any loss arising from use of this information.

Subscribe and save on your newspapers Call 0800 056 4307 or visit Get seven days of papers and unlimited digital access thetimes.co.uk/offer on web and smartphone for £8 a week

New subscribers only. UK residents aged 18+ only. Subscription will cost £8 a week for The Times and The Sunday Times Print Pack. This pack has a minimum term of 12 months. Visit store.thetimes.co.uk for full T&Cs.