64 1GM Saturday November 10 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 Family Building Society see website Premium Saver (1) £5,000 1.45% Rate LTV Until Provider Contact APR month repaid Virgin Money virginmoney.com Double Take E-Saver 8 £1 1.42% Leek United BS 0845 219 0250 2.74% D for 2 years 95% - None Cahoot cahoot.com 2.8% £178.64 £10,718.40 Virgin Money virginmoney.com MUFC Double Take E-Saver 3 £1 1.42% Yorkshire BS 0345 120 0874 3.17% F to 31.12.20 95% - To 31.12.20 J.Lewis Fin Services 0345 266 1380 2.8% £178.64 £10,718.40 Kent Reliance kentreliance.co.uk Easy Access - Issue 31 £1,000 1.40% Melton Mowbray BS 01664 414141 2.79% D for 3 years 95% - 1st 3 yrs Sainsbury's Bank 0800 169 8503 2.8% £178.64 £10,718.40 Sainsbury's Bank see website Defined Access Saver - 7 £1,000 1.40% Yorkshire Bank 0800 202122 3.19% F to 31.1.22 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 31.1.24 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 Secure Trust Bank see website Fixed Rate Bond (9.12.25) £1,000 2.75% F Provider Contact Initial Period Max Fee Charge BLME A blme.com Premier Deposit (7 yr) £10,000 2.75% F Rate LTV Until Introductory rate for balance transfers Secure Trust Bank see website Fixed Rate Bond (9.12.24) £1,000 2.73% F Yorkshire Bank 0800 202122 1.99% F to 31.1.21 80% - 1st 2 yrs Bal trans Purch Secure Trust Bank see website Fixed Rate Bond (8.12.23) £1,000 2.71% F Darlington BS 01325 366366 2.24%D to 31.1.22 80% - To 31.1.22 Provider Contact Product name Transfer Fee APR Close Brothers Savings via post Fixed Term Deposit (5 yr) £10,000 2.70% F Sainsbury's Bank 0345 111 8010 1.94% F to 31.12.23 75% £995 To 31.12.23 MBNA Limited 0345 606 2062 Plat. 33 Mth BT Visa 0% 1st 33 mths 1.99% 19.9% Easy-access cash Isas Metro Bank 0203 427 1435 2.09% F for 5 years 80% £499 1st 5 yrs M&S Bank 0800 997 996 Transfer Plus MC 0% 1st 32 mths 0.99% 19.9% Coventry BS 0800 121 8899 2.15% V for term 75% £999 None Barclaycard 0800 731 0200 Plat. 32 Mth BT Visa 0% 1st 32 mths 1.39% B 19.9% Provider Contact Account Min AER HSBC 0800 032 4735 32 Mth BT CC Visa 0% 1st 32 mths 1.4% 19.9% Virgin Money virginmoney.com Double Take E-Isa 3 £1 1.38% Short-term fixed-rate mortgages Post Office Money®0345 607 6500 Online Bal Transfer MC 0% 1st 32 mths 2% 19.9% Virgin Money virginmoney.com MUFC Double E-Isa 2 £1 1.38% Redmptn Provider Contact Initial Period Max Fee Charge Leeds BS see website Ltd Issue Online Isa (8) £1,000 1.38% Rate LTV Until Introductory rate for purchases Paragon Bank paragonbank.co.uk Ltd Edition Easy Isa (5) £1 1.37% Yorkshire BS 0345 120 0874 1.43% to 31.12.20 65% £995 To 31.12.20 Introductory Purch Al Rayan Bank A 0808 231 6804 Instant Access Isa £50 1.36% Sainsbury's Bank 0345 111 8010 1.69% to 31.12.20 85% £995 To 31.12.20 Provider Contact Product name Term APR Fixed-cash Isas Yorkshire Bank 0800 202122 1.79% to 31.1.21 90% £999 1st 2 yrs Sainsburys Bank 0808 540 5060 Dual Offer CC MC 0% 1st 29 mths 19.9% Post Office Money® 0345 607 6500 Online Platinum MC 0% 1st 28 mths 18.9% Provider Contact Account Min AER Coventry BS 0800 121 8899 1.89% to 31.12.21 85% £999 To 31.12.21 Tesco Bank 0345 300 4278 Clubcard 28 Mth Pur MC 0% 1st 28 mths 19.9% Shawbrook Bank shawbrook.co.uk 5 Yr Fixed Rate Isa 12 £5,000 2.25% F Yorkshire Bank 0800 202122 2.19% to 31.1.22 90% £999 1st 3 yrs MBNA Limited 0345 606 2062 All-Round 28/28 CC Visa 0% 1st 28 mths 19.9% Virgin Money virginmoney.com Fixed E-Isa 355 (24.11.23) £1 2.11% F Long-term fixed-rate mortgages Virgin Money 0800 389 2875 28 Mth Pur CC MC 0% 1st 28 mths 19.9% Coventry BS 0800 121 8899 Poppy Fixed Isa 30.11.23 £1 2.10% F Redmptn Newcastle BS newcastle.co.uk Five Year Isa (25) (15.12.23) £500 2.10% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Family Building Society see website 5 Year Fixed Rate Isa (2) £1,000 2.10% F Cashback credit card Sainsbury's Bank 0345 111 8010 1.94% to 31.12.23 75% £995 To 31.12.23 Help-to-buy cash Isas Purchase M&S Bank 0800 923 1536 2.04% to 31.1.24 85%£1,094 To 31.1.24 Provider Contact Product name APR Cashback Provider Contact Account Min AER first direct 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 Barclays Bank 0800 400100 Help to Buy: Isa £1 2.58% first direct 0800 482448 2.44% for 10 years 60% - 1st 10 yrs 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 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 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 availability subject to individual credit ratings. Terms apply. Saffron BS via branch 12 Month Fixed Saver (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 via branch Regular Saver Bond £0 2.50% F Buy-to-let Mortgages Credit interest Yorkshire Building Society via branch 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-op Bank 0345 721 2212 Curr Everyday Rewards None £4 pm C Leek United BS 0845 219 0250 1.60% D for 2 years 65% £995 None TSB 0345 975 8758 Classic Plus None 5% Single life Coventry BS 0800 121 8899 2.19% V for term 75%£1,999 None Nationwide BS 0800 302 010 FlexDirect None 5% E Provider Contact Age 60 Age 65 Age 70 Post Office Money® 0800 077 8033 1.64% F to 31.1.21 70%£1,495 To 31.1.21 Halifax 0345 720 3040 Reward Current Account None £2 pm C Legal & General 0345 765 4465 £2,265.36 £2,590.56 £2,960.88 TSB 03459 758758 2.19% F to 31.12.21 60% - To 31.12.21 Tesco Bank 0345 835 3353 Current Account None 3% Hodge Lifetime 0800 023 7233 £2,273.00 £2,581.00 £2,954.00 Post Office Money® 0800 077 8033 2.58% F to 31.1.24 75% £995 To 31.1.24 Aviva 0800 015 5064 £2,189.02 £2,574.50 £2,960.00 Terms and conditions may apply when you repay your mortgage. Arranged overdrafts Canada Life 0345 300 3199 £2,232.00 £2,554.20 £2,918.88 National Savings & investments Just 0345 302 2287 £2,147.52 £2,494.32 £2,871.00 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 Accounts and bonds M&S Bank 0345 900 0900 M&S Current Account None 15.9% £0 Female: Age 55 Age 60 Age 65 Starling Bank starlingbank.com Current Account None 15.0% £0 Gt’d Gth Bonds 58 3 Yr Bnd £500 1.95% Yearly Hodge Lifetime 0800 023 7233 £1,934.00 £2,137.00 £2,373.00 Post Office Money® 0345 266 8977 Standard Account None 15.2% £0 Gt’d Income Bonds 58 3 Yr Bnd £500 1.92% Monthly Legal & General 0345 765 4465 £1,890.60 £2,133.96 £2,369.40 Tesco Bank 0345 835 3353 Current Account None 18.9% £0 Gt’d Growth Bonds 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 £1,796.74 £2,041.23 £2,243.08 Tax-free products under Islamic finance principles, rate is expected profit. C = Partially refunded. E = Introductory Just 0345 302 2287 £1,789.44 £2,020.92 £2,330.52 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.

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