the times | Saturday April 11 2020 1G M 63 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 1.30% Rate LTV Until Provider Contact APR month repaid Aldermore aldermore.co.uk Easy Access Issue 11 £1,000 1.25% Leek United BS 0808 169 6680 2.60% D for 2 years 95% - 1st 2 years cahoot cahoot.com 2.8% £178.64 £10,718.40 Paragon Bank paragonbank.co.uk Easy Access (8) £1 1.21% HSBC 0808 256 6876 2.84% F to 30.6.22 95% - To 30.6.22 John Lewis 0345 266 1380 2.9% £179.07 £10,744.20 RCI Bank UK rcibank.co.uk Freedom Savings £100 1.20% Hinckley & Rugby BS 0800 774499 2.88% F for 3 years 95% - 1st 3 years M&S Bank 0800 363400 2.9% £179.07 £10,744.20 Kent Reliance via website Easy Access - Issue 36 £1,000 1.20% Hinckley & Rugby BS 0800 774499 2.88% F for 5 years 95% £999 1st 5 years MBNA Limited mbna.co.uk 2.9% £179.07 £10,744.20 Long-term fixed rates Vernon BS 0161 429 6262 2.99% F to 31.7.25 95% - To 31.7.25 Borrowing rates and availability of products are subject to individual credit ratings. Remortgages Provider Contact Account Min AER Redmptn Credit cards Gatehouse Bank A via website Fixed Term Deposit (5 yr) £1,000 2.00% F Provider Contact Initial Period Max Fee Charge UBL UK via branch Fixed Deposit (7 yr) £2,000 1.95% F Rate LTV Until Introductory rate for balance transfers RCI Bank UK rcibank.co.uk Fixed Term Savings (5 yr) £1,000 1.90% F first direct 0800 482448 1.34% F for 2 years 60% £490 1st 2 years Bal trans Purch Vanquis Bank vanquis.co.uk Savings (5 yr) £1,000 1.85% F NatWest 0800 587 6599 1.51% F to 30.6.22 80% £995 To 30.6.22 Provider Contact Product name Transfer Fee APR United Trust Bank utbank.co.uk UTB Bond (5 yr) £5,000 1.85% F HSBC 0808 256 6876 1.94% F to 30.6.23 85% - To 30.6.23 MBNA Limited 0345 606 2062 Long 0% Bal Trans MC 0% 1st 29 mths 2.75% 20.9% Easy access cash Isas first direct 0800 482448 1.59% F for 5 years 75% £490 1st 5 years Halifax 0345 944 4555 Longest 0% BT MC 0% 1st 29 mths 3.00% 19.9% Lloyds Bank 0800 783 3534 1.84% F to 31.5.25 85% £999 To 31.5.25 Virgin Money 0800 389 2875 29 Mth BT CC MC 0% 1st 29 mths 3.00% 21.9% Provider Contact Account Min AER M&S Bank 0800 997 996 Transfer Plus MC 0% 1st 28 mths 2.85% 19.9% Bath BS via branch Instant Isa £1 1.25% Short-term fixed-rate mortgages Lloyds Bank 0345 606 2191 Platinum longest 0% BT MC 0% 1st 28 mths 3.00% 19.9% Penrith BS via branch Isa Issue 3 £100 1.25% Redmptn Provider Contact Initial Period Max Fee Charge Family Building Society via website Market Tracker Isa (2) £500 1.18% Rate LTV Until Introductory rate for purchases Family Building Society via website Flexible Isa (1) £500 1.16% NatWest 0800 587 6599 1.25% to 30.6.22 75% £995 To 30.6.22 Introductory Purch Kent Reliance via website Isa - Easy Access - 19 £1,000 1.15% first direct 0800 482448 1.34% for 2 years 60% £490 1st 2 yrs Provider Contact Product name Term APR Fixed-cash Isas HSBC 0808 256 6876 2.04% to 30.6.22 90% - To 30.6.22 MBNA Limited 0345 606 2062 0% Transfer & Pur CC MC 0% 1st 26 mths 20.9% Bank of Ireland UK 0800 085 0444 Matched MC 0% 1st 24 mths 19.9% Provider Contact Account Min AER HSBC 0808 256 6876 1.94% to 30.6.23 85% - To 30.6.23 M&S Bank 0800 997996 Shopping Plus MC 0% 1st 20 mths 19.9% Shawbrook Bank shawbrook.co.uk Fixed Rate Isa 1 (7 yr) £1,0001.65% F HSBC 0808 256 6876 2.14% to 30.6.23 90% - To 30.6.23 Lloyds Bank 0345 606 2191 Plat 0% Pur & BT MC 0% 1st 20 mths 19.9% Shawbrook Bank shawbrook.co.uk Fixed Rate Isa 21 (5 yr) £1,0001.61% F Long-term fixed-rate mortgages Halifax 0345 944 4555 Plat 0% Pur & BT MC 0% 1st 20 mths 19.9% Marsden BS via branch Fixed Isa (122) (30.4.23) £5,0001.55% F Redmptn Shawbrook Bank shawbrook.co.uk Fixed Rate Isa 19 (3 yr) £1,0001.50% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Family Building Society via branch Fixed Rate Isa (8) (5 yr) £1,0001.50% F Cashback credit card first direct 0800 482448 1.59% for 5 years 75% £490 1st 5 yrs Lifetime cash Isas Purchase Halifax 0345 727 3747 1.96% to 31.5.25 85% - To 31.5.25 Provider Contact Product name APR Cashback Provider Contact Account Min AER HSBC 0808 256 6876 2.19% to 30.6.25 90% £999 To 30.6.25 American Express 0800 917 8047 Platinum Cashback 28.2% 1% - 1.25% standard Moneybox via app Cash Lifetime Isa £1 1.25% Halifax 0345 727 3747 2.07% 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% Nationwide BS 0800 302010 2.79% for 10 years 85% £999 1st 10 yrs Intro 5%/3mth (max £100) Nottingham BS via branch Lifetime Isa £10 1.25% Variable-rate mortgages Santander 0800 389 9905 All in One CC M'card 21.7%Standard 0.50% on spend Paragon Bank paragonbank.co.uk Cash Lifetime Isa £1 1.15% Redmptn over £1 per year Skipton BS skipton.co.uk Online Lifetime Isa 3 £1 0.35% Provider Contact Initial Period Max Fee Charge smile 0345 600 6000 Classic CC Visa 19.9%Standard 0.25% on spend Rate LTV Until over £1 per year Regular savings accounts first direct 0800 482448 2.09% term 75% £490 None Barclaycard 0800 731 0200 Rewards Visa 22.9%Standard 0.25% on spend Provider Contact Account Min AER first direct 0800 482448 2.24% term 75% - None over £1 per year Mntly first direct 0800 482448 2.44% term 80% £490 None Borrowing rates and availability of products subject to credit ratings. Terms apply to cashback Kent Reliance via branch 1 Yr Regular Savings - 3 £1 3.00% V first direct 0800 482448 2.59% term 80% - None Coventry BS via website Regular Saver (2) £0 2.50% V first direct 0800 482448 2.99% term 90% £490 None Current accounts Virgin Money virginmoney.com Regular E-Saver 15 (20.4.21) £1 2.00% F West Brom BS via branch Regular Saver (4) £10 2.00% F Buy-to-let Mortgages Credit interest Halifax halifax.co.uk Regular Saver £25 2.00% 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 Principality BS 0330 333 4002 2.15% D to 30.6.22 75% - To 30.6.22 Nationwide BS 0800 302010 FlexDirect None 5% B Single life Hinckley & Rugby BS 01455 251234 3.14% D for term 75%£1,500 None Halifax 0345 720 3040 Reward Current Account None £2 pm C 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 £1,927.00 £2,245.00 £2,633.00 TSB 03459 758 758 2.09% F to 30.6.23 60% - To 30.6.23 Santander 0800 912 3123 123 Current Account £5 pm 1.50% Legal & General 0345 765 4465 £1,936.68 £2,244.00 £2,649.48 Principality BS 0330 333 4002 2.17% F to 30.6.25 75%£1,395 To 30.6.25 Aviva 0800 015 5064 £1,867.72 £2,241.85 £2,584.59 The selections above are based on a combination of initial rate, fee and incentive available. Arranged overdrafts Canada Life 0345 300 3199 £1,834.56 £2,148.60 £2,509.92 Account Usage National Savings & Investments Provider Contact Account name Fee EAR Fee Just 0345 302 2287 £1,800.36 £2,114.28 £2,534.04 Starling bank starlingbank.comCurrent Account None 15.0% £0 Notice or Min AER Interest Joint life Term Paid M&S Bank 0800 756 7777 M&S Current Account None 39.9% £0 Provider Contact Male: Age 60 Age 65 Age 70 Accounts and bonds Smile 0345 721 2212 Current Account None 18.9% £0 Female: Age 55 Age 60 Age 65 Income Bonds None £500 1.16% Monthly Virgin Money 0800 678 3654 Current Account None 19.9% £0 Legal & General 0345 765 4465 £1,590.96 £1,818.72 £2,075.28 Direct Saver None £1 1.00% Yearly Barclays 0345 600 4545 Bank Account None 35.0% £0 Hodge 0800 023 7233 £1,577.00 £1,791.00 £2,043.00 Current account interest rates paid up to a level.