the times | Saturday February 1 2020 1G M 67 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 Marcus by Goldman Sachs® marcus.co.uk Online Savings £1 1.35% Rate LTV Until Provider Contact APR month repaid Shawbrook Bank shawbrook.co.uk Easy Access - Issue 18 £1,000 1.33% Yorkshire BS 0345 120 0874 2.77% F to 31.5.22 95% £250 To 31.5.22 cahoot cahoot.com 2.8% £178.64 £10,718.40 Britannia via website Select Access Saver 11 £500 1.30% Furness BS 0800 220568 2.99% D for 2 years 95% - 1st 2 yrs John Lewis 0345 266 1380 2.9% £179.07 £10,744.20 Gatehouse Bank A via website Easy Access Account £1,000 1.30% The Melton BS 01664 414141 2.79% D for 3 years 95% - 1st 3 yrs M&S Bank 0800 363400 2.9% £179.07 £10,744.20 Earl Shilton BS via branch Heritage £1,000 1.30% B West Brom BS 0800 298 0008 2.84% F to 31.3.23 95% - To 31.3.23 Sainsbury's Bank 0800 169 8503 2.9% £179.07 £10,744.20 Long-term fixed rates Hanley Economic BS 01782 255000 2.79% F to 31.3.25 95% - To 31.3.25 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 A via website Raisin UK - Fixed Deposit (5 yr) £1,000 2.10% F Rate LTV Until Introductory rate for balance transfers UBL UK via branch Fixed Deposit (5 yr) £2,000 2.10% F NatWest 0800 587 6599 1.51% F to 30.6.22 80% £995 To 30.6.22 Bal trans Purch Secure Trust Bank via website Fixed Rate Bond (28.2.25) £1,000 2.06% F Principality BS 0845 045 0006 2.05% F to 30.4.23 85% - To 30.4.23 Provider Contact Product name Transfer Fee APR PCF Bank pcf.bank Term Deposit 9 (4 yr) £1,000 2.02% F first direct 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 Coventry BS 0800 121 8899 1.89% F to 31.3.25 85% £999 To 31.3.25 MBNA Limited 0345 606 2062 Long 0% Bal Transfer MC 0% 1st 29 mths 2.75% 20.9% Coventry BS 0800 121 8899 2.15% V for term 75% £999 None Halifax 0345 944 4555 29 Mth BT CC 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% Al Rayan Bank A via website Instant Access Isa £50 1.36% Short-term fixed-rate mortgages Barclaycard 0800 731 0200 Platinum 28 Mth BT V 0% 1st 28 mths 1.73% 21.9% Cynergy Bank via website Online Isa (Issue 1) £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 website Ltd Issue Online Isa (16) £1,000 1.30% first direct 0800 482 448 1.34% for 2 years 60% £490 1st 2 years Provider Contact Product name Term APR Fixed-cash Isas Yorkshire BS 0345 120 0874 2.10% to 31.5.22 90% £250 To 31.5.22 Sainsbury's Bank 0808 540 5060 Dual Offer CC MC 0% 1st 27 mths 20.9% MBNA Limited 0345 606 2062 0% Transfer & Pur CC MC 0% 1st 26 mths 20.9% Provider Contact Account Min AER West Brom BS 0800 298 0008 2.04% to 31.3.23 85% - To 31.3.23 Barclaycard 0800 731 0200 Plat All-Rounder Visa 0% 1st 25 mths 21.9% UBL UK via branch Fixed Isa (5 yr) £2,000 1.91% F Virgin Money 0330 057 1701 2.08% to 1.5.23 90% - To 1.5.23 Bank of Ireland UK 0800 085 0444 Matched MC 0% 1st 24 mths 19.9% United Trust Bank via post Isa 7 Yr Bond (7 yr) £15,000 1.90% F Long-term fixed-rate mortgages Tesco Bank 0345 300 4278 C'card CC Purchase MC 0% 1st 22 mths 19.9% Secure Trust Bank via website Fixed Rate Isa (28.2.25) £1,000 1.80% F Redmptn Coventry BS via website Fixed Isa (101) (31.5.25) £1 1.75% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Secure Trust Bank via website Fixed Rate Isa (28.2.24) £1,000 1.75% F Cashback credit card first direct 0800 482 448 1.59% for 5 years 75% £490 1st 5 years Lifetime cash Isas Purchase TSB 03459 758 758 1.84% to 31.5.25 85% £995 To 31.5.25 Provider Contact Product name APR Cashback Provider Contact Account Min AER Yorkshire BS 0345 120 0874 2.33% to 31.5.25 90% £250 To 31.5.25 American Express 0800 917 8047 Platinum Cashback 28.2% 1% - 1.25% standard Moneybox via website Cash Lifetime Isa £1 1.40% TSB 03459 758 758 2.19% 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% Yorkshire BS 0345 120 0874 2.49% to 31.5.30 85% £495 To 31.5.30 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 NewDay 0333 220 2691 aqua Reward M’card 34.9%Standard 0.50% on spend Rate LTV Until over £1 per year Regular savings accounts Coventry BS 0800 121 8899 2.15% 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 2.25% term 85% £999 None over £1 per year Mntly Coventry BS 0800 121 8899 2.49% term 90% £999 None Borrowing rates and products subject to credit ratings. Terms apply to all cashback Kent Reliance via branch 1 Yr Regular Savings - 3 £1 3.00% V Coventry BS 0800 121 8899 2.49% term 75% £499 None Saffron BS via branch 12 Mth Fixed Saver (4) £10 3.00% F Coventry BS 0800 121 8899 2.59% term 85% £499 None Current accounts Coventry BS via website Regular Saver (2) £0 2.50% V Yorkshire Building Society ybs.co.uk 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 Current Everyday Rewards None £4 pm E Principality BS 0845 045 0006 2.15% D to 30.4.22 75% - To 30.4.22 Nationwide BS 0800 302010 FlexDirect None 5% C 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 E 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 TSB 0345 975 8758 Classic Plus None 3% Hodge 0800 023 7233 £2,046.00 £2,361.00 £2,743.00 Virgin Money 0330 057 1701 1.63% F to 1.5.23 75%£1,995 To 1.5.23 Santander 0800 912 3123 123 Current Account £5 pm 1.50% Aviva 0800 015 5064 £1,973.65 £2,359.85 £2,710.19 Virgin Money 0330 057 1701 2.04% F to 1.5.25 75%£1,995 To 1.5.25 Legal & General 0345 765 4465 £2,025.24 £2,345.88 £2,735.88 The selections above are based on a combination of initial rate, fee and incentive available. Arranged overdrafts Canada Life 0345 300 3199 £2,026.44 £2,341.56 £2,703.72 Account Usage National Savings & investments Provider Contact Account name Fee EAR Fee Just 0345 302 2287 £1,868.64 £2,195.88 £2,593.32 First Direct 0345 600 2424 1st Account None 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 Hodge 0800 023 7233 £1,699.00 £1,909.00 £2,156.00 Direct Saver None £1 1.00% Yearly The Co-op Bank 0345 721 2212 Current Account None 18.9% £0 Canada Life 0345 300 3199 £1,715.04 £1,906.92 £2,159.88 Investment Account None £20 0.80% Yearly Current account interest paid to a level. A = Protected by non-UK compensation scheme. B = Operates Legal & General 0345 765 4465 £1,668.00 £1,906.56 £2,150.40 under Islamic finance principles, rate is expected profit. C = Paid as a reward. E = Introductory Aviva 0800 015 5064 £1,581.52 £1,832.69 £2,023.92 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. Just 0345 302 2287 £1,523.04 £1,727.28 £1,997.16 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.