54 1G M Saturday March 7 2020 | 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 ybs.co.uk 1 Year Ltd Access Saver 4 £100 1.32% Rate LTV Until Provider Contact APR month repaid Virgin Money virginmoney.com Double Take E-Saver 14 £1 1.31% Leek United BS 0808 169 6680 2.60% D for 2 years 95% - 1st 2 years cahoot.com 2.8% £178.64 £10,718.40 Marcus by Goldman Sachs® marcus.co.uk Online Savings £1 1.30% Yorkshire BS 0345 120 0874 2.77% F to 31.5.22 95% £250 To 31.5.22 John Lewis 0345 266 1380 2.9% £179.07 £10,744.20 Britannia vis website Select Access Saver 11 £500 1.30% Saffron BS 0800 072 1100 2.77% F to 31.7.23 95% £180 To 31.7.23 M&S Bank 0800 363400 2.9% £179.07 £10,744.20 Earl Shilton BS via branch Heritage £1,000 1.30% A Saffron BS 0800 072 1100 2.87% F to 31.7.25 95% £180 To 31.7.25 MBNA Limited mbna.co.uk 2.9% £179.07 £10,744.20 Long-term fixed rates Yorkshire BS 0345 120 0874 2.98% F to 31.5.25 95% £250 To 31.5.25 Borrowing rates and availability of products are subject to individual credit ratings. Remortgages Provider Contact Account Min AER Redmptn Credit cards PCF Bank pcf.bank Term Deposit 11 (7 yr) £1,000 2.15% F Provider Contact Initial Period Max Fee Charge Gatehouse Bank via website Fixed Term Deposit (5 yr) £1,000 2.00% F Rate LTV Until Introductory rate for balance transfers BLME B blme.com Premier Deposit (5 yr) £1,000 2.00% F NatWest 0800 587 6599 1.51% F to 30.6.22 80% £995 To 30.6.22 Bal trans Purch BLME B blme.com Premier Deposit (7 yr) £1,000 2.00% F HSBC 0808 256 6876 1.99% F to 30.6.23 85% - To 30.6.23 Provider Contact Product name Transfer Fee APR BLME B blme.com Premier Deposit (4 yr) £1,000 1.95% F 0800 482448 1.59% F for 5 years 75% £490 1st 5 years Sainsbury's Bank 0808 540 5060 Balance Transfer CC MC 0% 1st 29 mths 2.74% 19.9% Easy access cash Isas TSB 0345 9758 758 1.84% F to 31.5.25 85% £995 To 31.5.25 MBNA Limited 0345 606 2062 Long 0% Bal Transfer MC 0% 1st 29 mths 2.75% 20.9% Coventry BS 0800 121 8899 2.05% V for term 75% £999 None 0345 944 4555 Longest 0% BT MC 0% 1st 29 mths 3.00% 19.9% Provider Contact Account Min AER Virgin Money 0800 389 2875 29 Mth BT CC MC 0% 1st 29 mths 3.00% 21.9% B via website Instant Access Isa £50 1.36% Short-term fixed-rate mortgages M&S Bank 0800 997 996 Transfer Plus MC 0% 1st 28 mths 2.85% 19.9% Virgin Money virginmoney.com Double Take E-Isa 14 £1 1.31% Redmptn Provider Contact Initial Period Max Fee Charge Yorkshire Building Society ybs.co.uk 1 Year Ltd Access Isa 3 £100 1.30% Rate LTV Until Introductory rate for purchases Yorkshire Building Society via branch Annual Access Isa £100 1.30% NatWest 0800 587 6599 1.25% to 30.6.22 75% £995 To 30.6.22 Introductory Purch Leeds BS via branch Double Access Cash Isa £5,000 1.30% first direct 0800 482448 1.34% for 2 years 60% £490 1st 2 years Provider Contact Product name Term APR Fixed-cash Isas HSBC 0808 256 6876 1.99% to 30.6.22 90% - To 30.6.22 Sainsbury's Bank 0808 540 5060 Dual Offer CC MC 0% 1st 27 mths 20.9% Barclaycard 0800 731 0200 Plat All-Rounder Visa 0% 1st 27 mths 21.9% Provider Contact Account Min AER HSBC 0808 256 6876 1.99% to 30.6.23 85% - To 30.6.23 MBNA Limited 0345 606 2062 0% Transfer & Pur CC MC 0% 1st 26 mths 20.9% United Trust Bank via post Isa 7 Yr Bond (7 yr) £15,000 1.85% F Virgin Money 0330 057 1701 2.08% to 1.5.23 90% - To 1.5.23 UK 0800 085 0444 Matched MC 0% 1st 24 mths 19.9% Bank barclays.co.uk Flexible Cash Isa - 26 (3 yr) £1 1.70% F Long-term fixed-rate mortgages 0345 300 4278 C'card CC Purchase MC 0% 1st 22 mths 19.9% Principality BS principality.co.uk Fixed Rate Isa 218 (5 yr) £500 1.70% F Redmptn hodgebank.co.uk Fixed Rate Isa (5 yr) £1,000 1.65% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Leeds BS via website Fixed Rate Isa (100) (5 yr) £1001.60% F Cashback credit card first direct 0800 482448 1.59% for 5 years 75% £490 1st 5 years Lifetime cash Isas Purchase Yorkshire BS 0345 120 0874 1.90% to 31.5.25 85% £495 To 31.5.25 Provider Contact Product name APR Cashback Provider Contact Account Min AER HSBC 0808 256 6876 2.24% to 30.6.25 90% - To 30.6.25 American Express 0800 917 8047 Platinum Cashback 28.2% 1% - 1.25% standard Moneybox via app Cash Lifetime Isa £1 1.40% TSB 0345 9758 758 2.09% to 31.5.30 60% £995 To 31.5.30 Intro 5%/3mth (max £125) American Express 0800 917 8047 Plat Cashback Everyday 22.9% 0.50%-1% standard Nottingham BS via website Lifetime Isa Online £10 1.25% Coventry BS 0800 121 8899 2.35% to 31.3.30 85% £999 To 31.3.30 Intro 5%/3mth (max £100) Paragon Bank via website Cash Lifetime Isa £1 1.15% Variable-rate mortgages Santander 0800 389 9905 All in One CC M'card 21.7%Standard 0.50% on spend Newcastle BS newcastle.co.uk Cash Lifetime Isa £1 1.10% Redmptn over £1 per year Skipton BS skipton.co.uk Online Lifetime Isa 2 £1 1.00% Provider Contact Initial Period Max Fee Charge 0345 600 6000 Classic CC Visa 19.9%Standard 0.25% on spend Rate LTV Until over £1 per year Regular savings accounts Coventry BS 0800 121 8899 2.05% term 75% £999 None Barclaycard 0800 731 0200 Rewards Visa 22.9%Standard 0.25% on spend Provider Contact Account Min AER Coventry BS 0800 121 8899 2.15% term 85% £999 None over £1 per year Mntly Coventry BS 0800 121 8899 2.39% term 90% £999 None Borrowing rates and products subject to credit ratings. Terms apply to all cashback via branch 1 Yr Regular Savings - 3 £1 3.00% V Coventry BS 0800 121 8899 2.39% term 75% £499 None Coventry BS via website Regular Saver (2) £0 2.50% V Coventry BS 0800 121 8899 2.49% term 85% £499 None Current accounts Monmouthshire BS via branch Regular Saver Bond - 3 £0 2.50% F Saffron BS via branch 12 Mth Fixed Saver (5) £10 2.50% F Buy-to-let Mortgages Credit interest Newcastle BS via branch Regular Saver Branch £1 2.27% V Redmptn Account Provider Contact Initial Period Max Fee Charge Provider Contact Account name Fee AER Pension annuities Rate LTV Until First Direct 0345 600 2424 1st Account None 15.9% Principality BS 0330 333 4002 2.15% D to 30.6.22 75% - To 30.6.22 M&S Bank 0800 756 7777 M&S Current Account None 15.9% Single life Coventry BS 0800 121 8899 2.19% V for term 75%£1,999 None Starling bank starlingbank.com Current Account None 15.0% Provider Contact Age 60 Age 65 Age 70 NatWest 0800 587 6599 1.35% F to 30.6.22 60% £995 To 30.6.22 Smile 0345 721 2212 Current Account None 18.9% Legal & General 0345 765 4465 £1,978.32 £2,299.08 £2,694.96 Virgin Money 0330 057 1701 1.63% F to 1.5.23 75%£1,995 To 1.5.23 The Co-op Bank 0345 721 2212 Current Account None 18.9% Aviva 0800 015 5064 £1,910.41 £2,293.08 £2,643.59 Virgin Money 0330 057 1701 2.04% F to 1.5.25 75%£1,995 To 1.5.25 Arranged overdrafts Hodge 0800 023 7233 £1,973.00 £2,289.00 £2,673.00 The selections above are based on a combination of initial rate, fee and incentive available. Account Usage Canada Life 0345 300 3199 £1,909.56 £2,223.24 £2,584.32 National Savings & investments Provider Contact Account name Fee EAR Fee Just 0345 302 2287 £1,839.96 £2,169.12 £2,568.12 First Direct 0345 600 2424 1st Account None 15.9% £0 Notice or Min AER Interest Joint life Term Paid M&S Bank 0800 7567777 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 Smile 0345 721 2212 Current Account None 18.9% £0 Income Bonds None £500 1.16% Monthly Legal & General 0345 765 4465 £1,617.96 £1,855.44 £2,102.28 The Co-op Bank 0345 721 2212 Current Account None 18.9% £0 Direct Saver None £1 1.00% Yearly Hodge 0800 023 7233 £1,626.00 £1,837.00 £2,086.00 Current account interest rates paid to a level. A = Over 50s. B = Provider operates under Islamic Investment Account None £20 0.80% Yearly Canada Life 0345 300 3199 £1,601.40 £1,794.00 £2,047.08 finance principles, rate is expected profit. C = Introductory rate. E = Paid as a reward. F = Fixed rate. D = Discounted variable rate. V = Variable rate. Savings rates are AER variable unless Aviva 0800 015 5064 £1,531.77 £1,780.44 £1,967.52 Tax-free products stated. Methods of operating accounts vary. Rates and terms are subject to change without Just 0345 302 2287 £1,498.56 £1,699.20 £1,971.12 Junior Isa Age 18 £1 3.25% Yearly notice and should be checked before finalising an arrangement. No liability accepted for any loss arising from the use of, or reliance upon, this information. Readers who are not financial Based on a pension pot of £50,000. Direct Isa None £1 0.90% Yearly professionals should seek expert advice. Visit moneyfacts.co.uk for full details