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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 via website Premium Saver (3) £15,000 1.51% Rate LTV Until Provider Contact APR month repaid Virgin Money virginmoney.com Double Take E-Saver 10 £1 1.50% Loughborough BS 01509 631950 1.99% D for 2 years 95% £999 1st 2 yrs cahoot.com 2.8% £178.64 £10,718.40 Virgin Money virginmoney.com MUFC Double Take E-Saver 5 £1 1.50% Mortgage 0333 202 7580 2.77% F to 30.4.21 95% - To 30.4.21 Sainsbury's Bank 0800 169 8503 2.8% £178.64 £10,718.40 Sainsbury’s Bank 0808 540 5060 Defined Access Saver - 8 £1,000 1.45% 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 Shawbrook Bank shawbrook.co.uk Easy Access - Issue 14 £1,000 1.43% Saffron BS 0800 072 1100 3.07% F to 31.7.22 95% - To 31.7.22 M&S Bank 0800 363 400 2.9% £179.07 £10,744.20 Long-term fixed rates Monmouthshire BS 0845 888 8000 3.19% F for 5 years 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) £1,000 2.75% F Provider Contact Initial Period Max Fee Charge BLME A blme.com Premier Deposit (5 yr) £1,000 2.70% F Rate LTV Until Introductory rate for balance transfers Gatehouse Bank A via website Fixed Term Deposit (5 yr) £1,000 2.68% F Sainsbury's Bank 0345 111 8010 1.62% F to 31.3.21 80% £995 To 31.3.21 Bal trans Purch Union Bank of India (UK) Ltd via branch Fixed Rate Deposit (5 yr) £1,000 2.60% F Mansfield BS 01623 676345 2.05% D for 3 years 80% £499 1st 3 yrs Provider Contact Product name Transfer Fee APR Union Bank of India (UK) Ltd via website Union Premier Bond (5 yr) £5,000 2.60% F Yorkshire BS 0345 120 0874 1.98% F to 31.3.24 75% £995 To 31.3.24 HSBC 0345 740 4404 Balance Transfer CC Visa 0% 1st 32 mths 1.40% 21.9% Easy-access cash Isas M&S Bank 0800 923 1536 2.04% F to 30.04.24 85%£1,094 To 30.4.24 Post Office Money®0345 607 6500 Online BTransfer MC 0% 1st 32 mths 2.00% 19.9% Coventry BS 0800 121 8899 2.15% V for term 75% £999 None Sainsbury's Bank 0808 540 5060 30 Mth BT CC MC 0% 1st 30 mths 3.00% 19.9% Provider Contact Account Min AER Virgin Money 0800 389 2875 29 Mth BT CC MC 0% 1st 29 mths 1.75% 20.9% Virgin Money virginmoney.com Double Take E-Isa 5 £1 1.45% Short-term fixed-rate mortgages Barclaycard 0800 731 0200 Platinum 29 Mth BT V 0% 1st 29 mths 1.99% 19.9% Virgin Money virginmoney.com MUFC Double Take E-Isa 4 £1 1.45% Redmptn Provider Contact Initial Period Max Fee Charge OakNorth oaknorth.com Easy Access Cash Isa £1,000 1.45% Rate LTV Until Introductory rate for purchases Shawbrook Bank shawbrook.co.uk Easy Access Cash Isa - 5 £1,000 1.43% Yorkshire BS 0345 120 0874 1.46% to 31.3.21 65% £995 To 31.3.21 Introductory Purch Yorkshire Building Society ybs.co.uk Online Single Access Isa 4 £100 1.41% Yorkshire BS 0345 120 0874 1.63% to 31.3.21 75% £995 To 31.3.21 Provider Contact Product name Term APR Fixed-cash Isas Yorkshire BS 0345 120 0874 1.96% to 31.3.21 90% £495 To 31.3.21 Post Office Money® 0345 607 6500 Online Platinum MC 0% 1st 28 mths 18.9% Virgin Money 0800 389 2875 28 Mth Pur CC MC 0% 1st 28 mths 19.9% Provider Contact Account Min AER Coventry BS 0800 121 8899 1.89% to 31.3.22 85% £999 To 31.3.22 Sainsbury's Bank 0808 540 5060 Dual Offer CC MC 0% 1st 28 mths 20.9% Coventry BS 0800 121 8899 Fixed Isa (75) (30.11.23) £1 2.30% F Hanley Economic BS 01782 255000 2.24% to 30.11.21 90% £299 To 30.11.21 Barclaycard 0800 731 0200 27 Mth Pur & BT Visa 0% 1st 27 mths 19.9% State Bank of India via branch 5 Yr Cash Isa Fixed (5 yr) £5,000 2.15% F Long-term fixed-rate mortgages Sainsbury's Bank 0808 540 5060 Purchase CC MC 0% 1st 27 mths 20.9% Principality BS principality.co.uk 5 Yr Fixed Cash Isa 206 £500 2.13% F Redmptn Shawbrook Bank shawbrook.co.uk 5 Yr Fixed Cash Isa 15 £1,000 2.13% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Newcastle BS newcastle.co.uk Fixed Isa (27) (22.3.24) £500 2.10% F Cashback credit card Yorkshire BS 0345 120 0874 1.96% to 31.3.24 75% £995 To 31.3.24 Help-to-buy cash Isas Purchase Yorkshire BS 0345 120 0874 2.06% to 31.3.24 85% £995 To 31.3.24 Provider Contact Product name APR Cashback Provider Contact Account Min AER HSBC 0808 256 6876 2.29% to 30.4.24 90% £999 To 30.4.24 American Express 0800 917 8047 Platinum Cashback 28.2% 1% - 1.25% standard Barclays Bank 0345 744 5445 Help to Buy: Isa £1 2.58% TSB 0345 975 8758 2.29% to 31.3.29 60% £995 To 31.3.29 Intro 5%/3mth (max £125) American Express 0800 917 8047 Everyday Plat Cashback 22.9% 0.50%-1% standard Newcastle BS via branch Help to Buy: Isa £1 2.56% Coventry BS 0800 121 8899 2.55% to 31.3.29 85% £999 To 31.3.29 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 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 smile.co.uk Classic CC Visa 16.9%Standard 0.25% on spend Provider Contact Account Min AER Coventry BS 0800 121 8899 2.25% term 85% £999 None over £1 per 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 Mth Fixed Saver (3) £10 3.50% F Coventry BS 0800 121 8899 2.49% term 75% £499 None Virgin Money via branch Regular Saver Issue 15 £1 3.00% F Coventry BS 0800 121 8899 2.59% term 85% £499 None Current accounts via branch 1 Yr Regular Savings - 3 £1 3.00% V Yorkshire Building Society via branch Monthly Regular Saver 2 £0 2.50% V Buy-to-let Mortgages Credit interest Monmouthshire BS via branch Regular Saver Bond - 2 £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 C Leek United BS 0845 219 0250 1.84% D for 2 years 65% £199 None TSB 0345 975 8758 Classic Plus None 5% Single life Coventry BS 0800 121 8899 2.29% V for term 75%£1,999 None Nationwide BS 0800 302 010 FlexDirect None 5% Provider Contact Age 60 Age 65 Age 70 Post Office Money® 0800 077 8033 1.91% F to 30.4.21 70% £995 To 30.4.21 0345 720 3040 Reward Current Account None £2 pm C Legal & General 0345 765 4465 £2,269.32 £2,585.52 £2,941.92 Virgin Money 0330 057 1701 2.03% F to 1.5.22 60% £995 To 1.5.22 0345 835 3353 Current Account None 3% Hodge Lifetime 0800 023 7233 £2,272.00 £2,580.00 £2,952.00 Halifax 0345 850 3705 2.60% F to 31.5.24 75% - To 31.5.24 Canada Life 0345 300 3199 £2,232.36 £2,544.96 £2,904.60 Terms and conditions may apply when you repay your mortgage. Arranged overdrafts Aviva 0800 015 5064 £2,145.28 £2,521.34 £2,899.05 Account Usage National Savings & Investments Provider Contact Account name Fee EAR Fee Just 0345 302 2287 £2,106.72 £2,464.20 £2,853.60 0800 242424 1st Account £10 pm E 15.9% £0 Notice or Min AER Interest Joint life Term Paid M&S Bank 0345 900 0900 M&S Current Account None 15.9% £0 Provider Contact Male: Age 60 Age 65 Age 70 Bonds starlingbank.com Current Account None 15.0% £0 Female: Age 55 Age 60 Age 65 Guaranteed Growth 58 3 Yr Bnd £500 1.95% Yearly Post Office Money® 0345 266 8977 Standard Account None 15.2% £0 Hodge Lifetime 0800 023 7233 £1,934.00 £2,136.00 £2,372.00 Guaranteed Income 58 3 Yr Bnd £500 1.92% Monthly Tesco Bank 0345 835 3353 Current Account None 18.9% £0 Legal & General 0345 765 4465 £1,872.96 £2,119.32 £2,345.40 Guaranteed Growth 63 1 Yr Bnd £500 1.50% Yearly Current account interest paid to a level. A = Protected by non-UK compensation scheme. B = Operates Canada Life 0345 300 3199 £1,921.56 £2,109.00 £2,357.88 under Islamic finance principles, rate is expected profit. C = Partially refunded. E = Introductory Just 0345 302 2287 £1,797.60 £2,001.36 £2,279.76 Tax-free products 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. Aviva 0800 015 5064 £1,746.20 £1,996.12 £2,191.88 Junior Isa Age 18 £1 2.50% Yearly V = Variable rate. No liability accepted for any loss arising from use of this information. Based on a pension pot of £50,000. Direct Isa None £1 0.75% Yearly Visit moneyfacts.co.uk for full details.