54 1G M Saturday April 14 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 RCI Bank UK A rcibank.co.uk Freedom Savings £100 1.30% Rate LTV Until Provider Contact APR month repaid Shawbrook Bank shawbrook.co.uk Easy Access - Issue 11 £1,000 1.25% Monmouthshire BS 0845 888 8000 2.99% D for 2 years 95% £150 1st 2 yrs M&S Bank 0800 363400 2.8% £178.64 £10,718.40 Ford Money fordmoney.co.uk Flexible Saver £1 1.22% West Brom BS 0800 298 0008 3.39% F to 31.5.20 95% - To 31.5.20 Sainsbury's Bank 0800 169 8503 2.8% £178.64 £10,718.40 Kent Reliance kentreliance.co.uk Easy Access - Issue 25 £1,000 1.21% Melton Mowbray BS 01664 414141 2.79% D for 3 years 95% - 1st 3 yrs Yorkshire Bank 0800 707 6471 2.8% £178.64 £10,718.40 Virgin Money virginmoney.com Double Take E-Saver 5 £1 1.20% Yorkshire Bank 0800 202122 3.59% F to 30.6.21 95% - 1st 3 yrs John Lewis FS 0345 266 1380 2.9% £179.07 £10,744.20 Long-term fixed rates Yorkshire Bank 0800 202122 3.89% F to 30.6.23 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 Secure Trust Bank see website Fixed Bond (2.5.25) £1,000 2.75% F Provider Contact Initial Period Max Fee Charge Secure Trust Bank see website Fixed Bond (3.5.24) £1,000 2.70% F Rate LTV Until Introductory rate for balance transfers Secure Trust Bank see website Fixed Bond (3.5.23) £1,000 2.65% F Sainsbury's Bank 0345 111 8010 1.73% F to 30.6.20 80% - To 30.6.20 Bal trans Purch Vanquis Bank vanquis.co.uk Savings (5 yr) £1,000 2.61% F Vernon BS 0161 429 6262 2.10% D for 3 years 80% £499 1st 3 yrs Provider Contact Product name Transfer Fee APR PCF Bank 020 7222 2426 Term Deposit 5 (7 yr) £1,000 2.60% F first direct 0800 482448 1.99% F for 5 years 75% £490 1st 5 yrs MBNA Limited 0345 606 2062 Plat 36 Mth BT Visa 0% 1st 36 mths 1.99% 19.9% Easy-access cash Isas Metro Bank 0203 427 1435 1.94% F for 5 years 65% £999 1st 5 yrs nuba 0345 606 2062 Transfer CC Mastercard 0% 1st 36 mths 2.50% 19.9% Coventry BS 0800 121 8899 1.80% V for term 75% £999 None Tesco Bank 0345 300 4278 Clubcard CC for BT MC 0% 1st 36 mths 2.69% 18.9% Provider Contact Account Min AER Barclaycard 0800 731 0200 Plat. 35 mth BT Visa 0% 1st 35 mths 1.35% 19.9% Nationwide BS nationwide.co.uk Single Access Isa £1 1.30% Short-term fixed-rate mortgages Virgin Money 0800 389 2875 35 Month BT CC MC 0% 1st 35 mths 2.80% 20.9% Shawbrook Bank shawbrook.co.uk Easy Access Isa - 3 £1,000 1.25% Redmptn Provider Contact Initial Period Max Fee Charge Al Rayan Bank B 0808 231 6804 Instant Access Isa £50 1.23% Rate LTV Until Introductory rate for purchases Nottingham BS via branch Easy Access Isa - 2 £10 1.20% Yorkshire BS 0345 120 0874 1.42% to 30.6.20 75% £495 To 30.6.20 Introductory Purch Tesco Bank 0345 678 5678 Instant Access Cash Isa £1 1.16% C Post Office Money® 0800 077 8033 1.84% to 30.4.20 85% - To 30.4.20 Provider Contact Product name Term APR Fixed-cash Isas Yorkshire BS 0345 120 0874 1.89% to 30.6.20 90% £495 To 30.6.20 Halifax halifax.co.uk Online 30 Mth Purchase MC 0% 1st 30 mths 18.9% MBNA Limited 0345 606 2062 All-Round 30/30 CC Visa 0% 1st 30 mths 19.9% Provider Contact Account Min AER Tesco Bank 0345 051 8446 1.93% to 31.7.21 80% - To 31.7.21 nuba 0345 606 2062 All-Round CC MC 0% 1st 30 mths 19.9% Shawbrook Bank shawbrook.co.uk 5 Yr Fixed Rate (10) £5,000 2.30% F Virgin Money 0330 057 1701 2.18% to 1.7.21 90% £995 To 1.7.21 Lloyds Bank lloydsbank.com Online Plat Pur and BT MC 0% 1st 29 mths 18.9% Halifax 0345 726 3646 5 Yr Isa Saver Fixed £500 2.25% F Long-term fixed-rate mortgages Bank of Scotland 0345 964 5645 Plat Purchase and BT MC 0% 1st 29 mths 18.9% United Bank UK 0800 218 2266 5 Yr Fixed Rate Isa £2,000 2.21% F Redmptn Furness BS 0800 843312 5 Yr Fixed Rate Isa (4) £1,000 2.20% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Hodge Bank 0800 028 3746 5 Yr Fixed Rate Isa £1,000 2.20% F Cashback credit card Yorkshire BS 0345 120 0874 1.74% to 30.6.23 65%£1,495 To 30.6.23 Help-to-buy cash Isas Purchase Yorkshire BS 0345 120 0874 2.06% to 30.6.23 85% £495 To 30.6.23 Provider Contact Product name APR Cashback Provider Contact Account Min AER Sainsbury's Bank 0345 111 8010 2.39% to 30.6.23 90% £995 To 30.6.23 American Express 0800 917 8047 Platinum Cashback 28.2% 1% - 1.25% standard Newcastle BS 0345 734 4345 Help to Buy: Isa £1 2.56% first direct 0800 482 448 2.49% for 10 years 60% - 1st 10 years Intro 5%/3mth (max £125) American Express 0800 917 8047 Everyday Plat Cashback 22.9% 0.50%-1% standard Barclays Bank 0800 400100 Help to Buy: Isa £1 2.53% first direct 0800 482 448 2.94% for 10 years 80% - 1st 10 years Intro 5%/3mth (max £100) Buckinghamshire BS 0149 487 9500 Help to Buy: Isa 2 £1 2.25% Variable-rate mortgages Santander 0800 389 9905 All in One CC MC 21.7%Standard 0.50% on spend Nottingham BS via branch Help to Buy: Isa £1 2.25% Redmptn over £1 per year Virgin Money virginmoney.com Help to Buy: Isa 4 £1 2.25% Provider Contact Initial Period Max Fee Charge Tandem Bank 0203 370 0970 Cashback CC MC 18.9%Standard 0.50% on spend Rate LTV Until over £1 per month Regular savings accounts Coventry BS 0800 121 8899 1.80% term 75% £999 None First Trust Bank (NI) 0800 382265 Visa/M'card Option 1 18.9%Standard 0.50% on spend Provider Contact Account Min AER Coventry BS 0800 121 8899 2.00% term 85% £999 None over £5K per year Mntly Coventry BS 0800 121 8899 2.20% term 75% £499 None Rates and availability of products subject credit ratings. Terms apply Saffron BS via branch 12 Month Fixed (3) £10 3.50% F Coventry BS 0800 121 8899 2.40% term 85% £499 None Santander santander.co.uk Regular eSaver (6) £0 3.00% F Coventry BS 0800 121 8899 2.70% term 90% £999 None Current accounts Kent Reliance via branch Regular Savings - 3 £1 3.00% V Leeds BS via website Regular Saver (14) £0 2.55% V Buy-to-let Mortgages Credit interest Lloyds Bank via branch Monthly Saver £25 2.50% F Redmptn Account Provider Contact Initial Period Max Fee Charge Provider Contact Account name Fee AER Pension annuities Rate LTV Until TSB 0345 975 8758 Classic Plus None 3% E Principality BS 0845 045 0006 1.80% D to 30.6.20 60% - To 30.6.20 Halifax 0345 720 3040 Reward Current Account None £3 pm G Single life Coventry BS 0800 121 8899 2.39% V for term 75%£1,999 None Nationwide BS 0800 302010 FlexDirect None 5% C Provider Contact Age 60 Age 65 Age 70 Post Office Money® 0800 077 8033 1.83% F to 30.4.20 70%£1,495 To 30.4.20 Tesco Bank 0345 835 3353 Current Account None 3% Hodge Lifetime 0800 023 7233 £2,328.00 £2,640.00 £3,017.00 Virgin Money 0330 057 1701 1.69% F to 1.7.21 60%£1,995 To 1.7.21 Nationwide BS 0800 302010 FlexPlus £13 per month 3% Canada Life 0345 300 3199 £2,270.88 £2,592.48 £2,956.56 Principality BS 0845 045 0006 2.55% F to 30.6.23 75%£1,395 To 30.6.23 Legal & General 0345 765 4465 £2,241.48 £2,555.04 £2,959.44 Terms and conditions may apply when you repay your mortgage. Authorised overdrafts Aviva 0800 015 5064 £2,169.52 £2,551.10 £2,937.30 Account Usage National Savings & Investments Provider Contact Account name Fee EAR Fee First Direct 0800 242424 1st Account £10 pm H 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 Accounts and bonds Post Office Money® 0345 266 8977 Standard Account None 14.9% £0 Female: Age 55 Age 60 Age 65 Guaranteed Gth Bonds 57 3 Yr Bnd £500 1.95% Yearly Tesco Bank 0345 835 3353 Current Account None 18.9% £0 Hodge Lifetime 0800 023 7233 £1,982.00 £2,189.00 £2,429.00 Guaranteed Gth Bonds 57 3 Yr Bnd £500 1.92% Monthly The Co-Operative Bank 0345 721 2212 Current Account None 18.9% £0 Canada Life 0345 300 3199 £1,941.84 £2,132.64 £2,385.60 A = Protected by Non-UK compensation scheme.