56 1GM Saturday October 6 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 Yorkshire Building Society via branch Single Access Saver 13 £100 1.41% Rate LTV Until Provider Contact APR month repaid Charter Savings Bank via website Easy Access - Issue 10 £1,000 1.40% Leek United BS 0845 219 0250 2.74% D for 2 years 95% - None Cahoot cahoot.com 2.8% £178.64 £10,718.40 Paragon Bank paragonbank.co.uk Ltd Edition Easy Access (7) £1 1.37% Yorkshire BS 0345 120 0874 2.87% F to 31.12.20 95% £495 To 31.12.20 Sainsbury's Bank 0800 169 8503 2.8% £178.64 £10,718.40 Kent Reliance via website Branch & Online Access 30 £1,000 1.37% 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 Virgin Money virginmoney.com Double Take E-Saver 7 £1 1.36% Yorkshire Bank 0800 202122 3.19% F to 31.12.21 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 31.12.23 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) £10,000 2.75% F Provider Contact Initial Period Max Fee Charge Ikano Bank B ikano.co.uk Fixed 5 Year Saver £1,000 2.70% F Rate LTV Until Introductory rate for balance transfers BLME A blme.com Premier Deposit (5 yr) £10,000 2.70% F Yorkshire Bank 0800 202122 1.99% F to 31.12.20 80% - 1st 2 yrs Bal trans Purch Masthaven Bank masthaven.co.uk Fixed Term Bond (5 yr) £500 2.69% F Darlington BS 01325 366366 2.24%D to 31.1.22 80% - To 31.1.22 Provider Contact Product name Transfer Fee APR Charter Savings Bank via website Fixed Rate Bond (5 yr) £1,000 2.68% F HSBC 0808 256 6876 1.94% F to 30.11.23 75% £999 To 30.11.23 Lloyds Bank 0345 606 2191 Platinum 34-mth BT MC 0% 1st 34 mths 3.00% 19.9% Easy-access cash Isas Metro Bank 0203 427 1435 2.09% F for 5 years 80% £499 1st 5 yrs Halifax halifax.co.uk 34-month BT CC MC 0% 1st 34 mths 3.00% 19.9% Coventry BS 0800 121 8899 2.15% V for term 75% £999 None Barclaycard 0800 731 0200 Platinum 33-mth VT Visa 0% 1st 33 mths 1.95% C 19.9% Provider Contact Account Min AER MBNA Limited 0345 606 2062 Plat 33-mth BT Visa 0% 1st 33 mths 1.99% 19.9% Paragon Bank paragonbank.co.uk Ltd Edition Easy Isa (5) £1 1.37% Short-term fixed-rate mortgages Tesco 0345 300 4278 Clubcard 33-mth BT MC 0% 1st 33 mths 2.69% 19.9% Al Rayan Bank A 0808 231 6804 Instant Access Isa £50 1.36% Redmptn Provider Contact Initial Period Max Fee Charge Leeds BS via website Ltd Issue Online Isa (7) £1,000 1.36% Rate LTV Until Introductory rate for purchases Virgin Money virginmoney.com Double Take E-Isa 2 £1 1.35% Yorkshire BS 0345 120 0874 1.69% to 31.12.20 65% £495 To 31.12.20 Introductory Purch Virgin Money virginmoney.com MUFC Double E-Isa 1 £1 1.35% Post Office Money® 0800 077 8033 1.69% to 30.11.20 85% £495 To 30.11.20 Provider Contact Product name Term APR Fixed-cash Isas Yorkshire Bank 0800 202 122 1.79% to 31.12.20 90% £999 1st 2 yrs Sainsburys Bank 0808 540 5060 Dual Offer Credit Card MC 0% 1st 29 mths 19.9% Sainsbury's Bank 0808 540 5060 Purchase CC M'Card 0% 1st 29 mths 20.9% Provider Contact Account Min AER Coventry BS 0800 121 8899 1.89% to 31.12.21 85% £999 To 31.12.21 Post Office Money® 0345 607 6500 Online Platinum MC 0% 1st 28 mths 18.9% Coventry BS 0800 121 8899 Fixed Isa (67) 30.11.23 £1 2.30% F Yorkshire Bank 0800 202 122 2.19% to 31.12.21 90% £999 1st 3 yrs Tesco Bank 0345 300 4278 Clubcard 28-mth Pur MC 0% 1st 28 mths 19.9% United Trust Bank via post Isa 5 Yr Bond £15,000 2.30% F Long-term fixed-rate mortgages MBNA Limited 0345 606 2062 All-round 28/28 CC Visa 0% 1st 28 mths 19.9% Furness BS 0800 843312 5 Year Fixed Isa (140) £1,000 2.20% F Redmptn United Trust Bank via post Isa 4 Yr Bond £15,000 2.20% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Shawbrook Bank shawbrook.co.uk 5 Yr Fixed Rate Isa 11 £5,000 2.15% F Cashback credit card Halifax 0345 727 3747 2.02% to 30.11.23 75% £995 To 30.11.23 Help-to-buy cash Isas Purchase M&S Bank 0800 923 1536 2.09% to 30.11.23 85%£1,094 To 30.11.23 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% TSB 0808 274 5506 2.39% to 30.11.28 60% £995 To 30.11.28 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 products subject to individual credit ratings. Terms apply to all cashback. Saffron BS via branch 12 Month Fixed (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 01633 844330 Regular Saver Bond £0 2.50% F Buy-to-let Mortgages Credit interest Yorkshire Building Society 0345 120 0100 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-operative Current Everyday Re- 0345 721 2212 None £4 pm E Leek United BS 0845 219 0250 1.60% D for 2 years 65% £995 None Bank wards Single life Coventry BS 0800 121 8899 2.19% V for term 75%£1,999 None TSB 0345 975 8758 Classic Plus None 5% Provider Contact Age 60 Age 65 Age 70 Post Office Money® 0800 077 8033 1.60% F to 30.11.20 70%£1,495 To 30.11.20 Nationwide BS 0800 302 010 FlexDirect None 5% G Hodge Lifetime 0800 023 7233 £2,295.00 £2,604.00 £2,977.00 Virgin Money 0330 057 1701 1.74% F to 1.1.22 60%£1,995 To 1.1.22 Halifax 0345 720 3040 Reward Current Account None £2 pm E Legal & General 0345 765 4465 £2,278.56 £2,596.56 £2,971.56 Post Office Money® 0800 077 8033 2.53% F to 30.11.23 75% £995 To 30.11.23 Tesco Bank 0345 835 3353 Current Account None 3% Canada Life 0345 300 3199 £2,232.00 £2,554.20 £2,918.88 Terms and conditions may apply when you repay your mortgage. Arranged overdrafts Aviva 0800 015 5064 £2,136.30 £2,514.21 £2,928.28 National Savings & Investments Just 0345 302 2287 £2,145.60 £2,484.24 £2,850.48 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 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 Guaranteed Growth 58 3 Yr Bnd £500 1.95% Yearly Hodge Lifetime 0800 023 7233 £1,955.00 £2,158.00 £2,395.00 Post Office Money® 0345 266 8977 Standard Account None 15.2% £0 Guaranteed Income 58 3 Yr Bnd £500 1.92% Monthly Legal & General 0345 765 4465 £1,947.84 £2,111.76 £2,344.56 Tesco Bank 0345 835 3353 Current Account None 18.9% £0 Guaranteed Growth 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.