56 1GM Saturday September 7 2019 | 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 Shawbrook Bank shawbrook.co.uk Easy Access - Issue 15 £1,000 1.48% Rate LTV Until Provider Contact APR month repaid Virgin Money virginmoney.com Double Take E-Saver 11 £1 1.43% Santander 0800 100802 2.89% F to 2.12.21 95% - To 2.12.21 John Lewis 0345 266 1380 2.9% £179.07 £10,744.20 Virgin Money virginmoney.com MUFC Double Take E-Saver 6 £1 1.43% Furness BS 0800 220568 2.99% D for 2 years 95% - 1st 2 yrs M&S Bank 0800 363 400 2.9% £179.07 £10,744.20 Yorkshire Building Society ybs.co.uk 1 Year Ltd Access Saver £100 1.40% The Melton BS 01664 414141 2.79% D for 3 years 95% - 1st 3 yrs Sainsbury's Bank 0800 169 8503 2.9% £179.07 £10,744.20 Chelsea Building Society thechelsea.co.uk 1 Year Ltd Access Saver £100 1.40% Santander 0800 100802 3.19% F to 2.12.22 95% - To 2.12.22 Tesco Bank 0345 600 6016 2.9% £179.07 £10,744.20 Long-term fixed rates Newcastle BS 0345 606 4488 2.90% F to 31.10.24 95% £498 To 31.10.24 Borrowing rates and availability of products are subject to individual credit ratings. Remortgages Provider Contact Account Min AER Redmptn Credit cards Gatehouse Bank A via website Fixed Term Deposit (5 yr) £1,000 2.45% F Provider Contact Initial Period Max Fee Charge Shawbrook Bank shawbrook.co.uk Fixed Rate Bond 3 £1,000 2.40% F Rate LTV Until Introductory rate for balance transfers Masthaven Bank masthaven.co.uk Fixed Term Bond £500 2.35% F HSBC 0808 256 6876 1.49% F to 31.1.22 80% £999 To 31.1.22 Bal trans Purch Shawbrook Bank shawbrook.co.uk Fixed Rate Bond 29 £1,000 2.35% F Post Office Money® 0800 077 8033 1.89% F to 30.11.22 85% - To 30.11.22 Provider Contact Product name Transfer Fee APR Hodge Bank hodgebank.co.uk Fixed Rate Account £1,000 2.30% F Barclays Mortgage 0333 202 7580 1.68% F to 31.10.24 75% £999 To 31.10.24 MBNA Limited 0345 606 2062 Long 0% Bal Transfer MC 0% 1st 29 mths 2.75% 20.9% Easy access cash Isas Barclays Mortgage 0333 202 7580 1.92% F to 31.10.24 85% £999 To 31.10.24 Halifax 0345 944 4555 29 Mth BT CC MC 0% 1st 29 mths 3.00% 19.9% Coventry BS 0800 121 8899 2.15% V for term 75% £999 None Virgin Money 0800 389 2875 29 Mth BT CC MC 0% 1st 29 mths 3.00% 21.9% Provider Contact Account Min AER Barclaycard 0800 731 0200 Platinum 28 Mth BT V 0% 1st 28 mths 1.75% 19.9% Coventry BS thecoventry.co.uk Limited Access ISA £1 1.44% B Short-term fixed-rate mortgages M&S Bank 0800 997 996 Transfer Plus MC 0% 1st 28 mths 2.85% 19.9% Charter Savings Bank via website Easy Access Isa - 12 £5,000 1.44% Redmptn Provider Contact Initial Period Max Fee Charge Virgin Money virginmoney.com Double Take E-Isa 10 £1 1.43% Rate LTV Until Introductory rate for purchases Virgin Money virginmoney.com MUFC Double Take E-Isa 9 £1 1.43% Santander 0800 100 802 1.28% to 2.12.21 60% £999 To 2.12.21 Introductory Purch Shawbrook Bank shawbrook.co.uk Easy Access Isa - 5 £1,000 1.43% HSBC 0808 256 6876 1.29% to 31.1.22 75% £999 To 31.1.22 Provider Contact Product name Term APR Fixed-cash Isas Yorkshire BS 0345 120 0874 1.84% to 31.12.21 90% £495 To 31.12.21 MBNA Limited 0345 606 2062 0% Transfer & Pur CC MC 0% 1st 27 mths 20.9% Yorkshire Bank 0800 678 3320 Gold Mastercard 0% 1st 26 mths 18.9% Provider Contact Account Min AER Post Office Money® 0800 077 8033 1.89% to 30.11.22 85% - To 30.11.22 Tesco Bank 0345 300 4278 C'card CC 26 Mth Pur MC 0% 1st 26 mths 19.9% United Trust Bank via post Isa 7 Yr Bond (7 yr) £15,000 2.25% F HSBC 0808 256 6876 2.04% to 31.1.23 90% £999 To 31.1.23 Barclaycard 0800 731 0200 Plat All-Rounder Visa 0% 1st 25 mths 19.9% Metro Bank via branch Fixed Isa (7) (5 yr) £1 2.10% F Long-term fixed-rate mortgages Sainsbury's Bank 0808 540 5060 Dual Offer CC MC 0% 1st 25 mths 20.9% Newcastle BS newcastle.co.uk Fixed Isa (32) (5yr) £500 2.00% F Redmptn Family Building Society fvia website Fixed Isa (3) (5yr) £1,000 2.00% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Hodge Bank hodgebank.co.uk Fixed Isa (5yr) £1,000 2.00% F Cashback credit card HSBC 0808 256 6876 1.64% to 31.1.25 75% £999 To 31.1.25 Help-to-buy cash Isas Purchase Santander 0800 100802 1.95% to 2.12.24 85% £999 To 2.12.24 Provider Contact Product name APR Cashback Provider Contact Account Min AER Coventry BS 0800 121 8899 2.19% to 30.9.24 90% £999 To 30.9.24 American Express 0800 917 8047 Platinum Cashback 28.2% 1% - 1.25% standard Tipton & Coseley BS via branch Help to Buy: Isa £10 2.60% Barclays Mortgage 0333 202 7580 2.28% to 31.10.29 60% £999 To 31.10.29 Intro 5%/3mth (max £125) American Express 0800 917 8047 Plat Cashback Everyday 22.9% 0.50%-1% standard Barclays Bank 0345 744 5445 Help to Buy: Isa £1 2.58% Coventry BS 0800 121 8899 2.50% to 30.9.29 85% £999 To 30.9.29 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 Ulster Bank 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 Tandem Bank 0203 370 0970 Cashback CC M’card 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 NewDay 0333 220 2691 aqua Reward M’card 34.9%Standard 0.50% on spend Provider Contact Account Mth min AER Coventry BS 0800 121 8899 2.25% term 85% £999 None over £1 per year 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. Monmouthshire BS via branch Celebration Saver (14) £0 3.00% F Coventry BS 0800 121 8899 2.49% term 75% £499 None Virgin Money via branch Regular Saver Issue 18 £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 Saffron BS via branch 12 Mth Fixed Saver (4) £10 3.00% F Buy-to-let Mortgages Credit interest Yorkshire Building Society via branch 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-op Bank 0345 721 2212 Current Everyday Rewards None £4 pm C Principality BS 0845 045 0006 2.30% D to 31.12.21 75% - To 31.12.21 Nationwide BS 0800 302 010 FlexDirect None 5% B Single life Coventry BS 0800 121 8899 2.29% V for term 75%£1,999 None Halifax 0345 720 3040 Reward Current Account None £2 pm C Provider Contact Age 60 Age 65 Age 70 Post Office Money® 0800 077 8033 1.78% F to 30.11.21 60% £495 To 30.11.21 TSB 0345 975 8758 Classic Plus None 3% Aviva 0800 015 5064 £1,899.73 £2,307.32 £2,585.44 Virgin Money 0330 057 1701 1.74% F to 1.1.23 60%£1,995 To 1.1.23 Nationwide BS 0800 302 010 FlexPlus £13 pm 3% Legal & General 0345 765 4465 £1,939.56 £2,248.68 £2,625.72 Barclays Mortgage 0800 197 1081 2.17% F to 31.10.24 75%£1,295 To 31.10.24 Hodge Lifetime 0800 023 7233 £1,934.00 £2,244.00 £2,623.00 Terms and conditions may apply when you repay your mortgage. Arranged overdrafts Just 0345 302 2287 £1,890.60 £2,232.96 £2,607.24 Account Usage National Savings & Investments Provider Contact Account name Fee EAR Fee Canada Life 0345 300 3199 £1,898.04 £2,214.00 £2,577.12 First Direct 0345 600 2424 1st Account £10 pm E 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 Starling Bank starlingbank.com Current Account None 15.0% £0 Female: Age 55 Age 60 Age 65 Income Bonds None £500 1.16% Monthly Smile 0345 721 2212 Current Account None 18.9% £0 Aviva 0800 015 5064 £1,552.39 £1,840.51 £1,986.37 Direct Saver None £1 1.00% Yearly Nationwide BS 0800 302010 Flex Account None 18.9% £0 Legal & General 0345 765 4465 £1,593.56 £1,816.44 £2,054.04 Investment Account None £20 0.80% Yearly Current account interest paid to a level. A = Protected by non-UK compensation scheme. B = Operates Hodge Lifetime 0800 023 7233 £1,594.00 £1,800.00 £2,043.00 under Islamic finance principles, rate is expected profit. C = Paid as a reward. E = Introductory Just 0345 302 2287 £1,580.28 £1,782.96 £2,028.48 Tax-free products rate. G = Fee waived if minimum funding of £1,000 is met. All savings rates are AER variable unless stated. Methods of operating accounts vary. F = Fixed rate. D= Discounted variable rate. Canada Life 0345 300 3199 £1,587.36 £1,781.40 £2,036.16 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.