the times | Saturday March 21 2020 1G M 73 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 Virgin Money virginmoney.com Double Take E-Saver 14 £1 1.31% Rate Rate LTV Until Provider Contact APR month repaid Marcus by Goldman Sachs marcus.co.uk Online Savings £1 1.30% 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 Aldermore aldermore.co.uk Easy Access Issue 11 £1,000 1.25% Yorkshire BS 0345 120 0874 2.77% F to 31.5.22 95% £250 To 31.5.22 John Lewis 0345 266 1380 2.9% £179.07 £10,744.20 Paragon Bank via website Easy Access (8) £1 1.21% Saffron BS 0800 072 1100 2.77% F to 31.7.23 95% £180 To 31.7.23 M&S Bank 0800 363400 2.9% £179.07 £10,744.20 Nationwide BS nationwide.co.uk 1 Yr Triple Online Saver 4 £1 1.21% Saffron BS 0800 072 1100 2.87% F to 31.7.25 95% £180 To 31.7.25 MBNA Limited mbna.co.uk 2.9% £179.07 £10,744.20 Long-term fixed rates Yorkshire BS 0345 120 0874 2.98% F to 31.5.25 95% £250 To 31.5.25 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 West Brom BS 0800 298 0008 1.69% F to 30.6.22 80% - To 30.6.22 Bal trans Purch RCI Bank UK rcibank.co.uk Fixed Term Savings (4 yr) £1,000 1.80% F HSBC 0808 256 6876 1.99% F to 30.6.23 85% - To 30.6.23 Provider Contact Product name Transfer Fee APR Hampshire Trust Bank htb.co.uk 5 Year Bond (21) (5 yr) £1,000 1.80% 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 Lloyds Bank 0800 783 3534 1.84% F to 31.5.25 85% £999 To 31.5.25 MBNA Limited 0345 606 2062 Long 0% Bal Trans MC 0% 1st 29 mths 2.75% 20.9% Barclays Mortgage 0333 202 7580 1.99% V for term 75%£1,999 1st 2 years Halifax 0345 944 4555 Longest 0% BT 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 M&S Bank 0800 997 996 Transfer Plus MC 0% 1st 28 mths 2.85% 19.9% Virgin Money virginmoney.com Double Take E-Isa 14 £1 1.31% Redmptn Provider Contact Initial Period Max Fee Charge Cynergy Bank via website Online Isa (2) £1 1.29% Rate LTV Until Introductory rate for purchases Coventry BS via website Easy Access Isa (Online) (3) £1 1.25% NatWest 0800 587 6599 1.25% to 30.6.22 75% £995 To 30.6.22 Introductory Purch Bath BS via branch Instant Isa £1 1.25% first direct 0800 482448 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% Barclaycard 0800 731 0200 Plat All-Rounder Visa 0% 1st 27 mths 21.9% Provider Contact Account Min AER HSBC 0808 256 6876 1.99% to 30.6.23 85% - To 30.6.23 MBNA Limited 0345 606 2062 0% Trans & Pur CC MC 0% 1st 26 mths 20.9% United Trust Bank via post Isa 7 Yr Bond (7 yr) £15,000 1.85% F Virgin Money 0330 057 1701 2.08% to 1.7.23 90% - To 1.7.23 Bank of Ireland UK 0800 085 0444 Matched MC 0% 1st 24 mths 19.9% Hodge Bank hodgebank.co.uk Fixed Rate Isa (5 yr) £1,000 1.65% F Long-term fixed-rate mortgages Tesco Bank 0345 300 4278 C'card CC Purchase MC 0% 1st 22 mths 19.9% Paragon Bank via website Fixed Rate Isa (5 yr) £5001.60% F Redmptn Family Building Society via branch Fixed Rate Isa (6) (5 yr) £1,0001.60% F Provider Contact Initial Period Max Fee Charge Rate LTV Until United Trust Bank via post Isa 5 Yr Bond (5 yr) £15,0001.60% F Cashback credit card first direct 0800 482448 1.59% for 5 years 75% £490 1st 5 years Lifetime cash Isas Purchase Yorkshire BS 0345 120 0874 1.90% to 31.5.25 85% £495 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 0345 9758 758 2.09% 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% Coventry BS 0800 121 8899 2.35% to 30.6.30 85% £999 To 30.6.30 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 smile 0345 600 6000 Classic CC Visa 19.9%Standard 0.25% on spend Rate LTV Until over £1 per year Regular savings accounts Coventry BS 0800 121 8899 1.95% term 65% £999 None Barclaycard 0800 731 0200 Rewards Visa 22.9%Standard 0.25% on spend Provider Contact Account Min AER Barclays Mortgage 0333 202 7580 1.99% term 75%£1,999 1st 2 years over £1 per year Mntly Coventry BS 0800 121 8899 2.05% term 75% £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 2.15% term 85% £999 None Coventry BS via website Regular Saver (2) £0 2.50% V Coventry BS 0800 121 8899 2.39% term 90% £999 None Current accounts Newcastle BS via branch Regular Saver Branch £1 2.27% V Cambridge BS 0345 601 3344 1 Year Regular Saver (6) £0 2.00% F Buy-to-let mortgages Credit interest Virgin Money virginmoney.com Regular E-Saver 14 (20.2.21) £1 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 Coventry BS 0800 121 8899 2.19% V for term 75%£1,999 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 £1,917.00 £2,238.00 £2,628.00 Virgin Money 0330 057 1701 1.63% F to 1.7.23 75%£1,995 To 1.7.23 Santander 0800 912 3123 123 Current Account £5 pm 1.50% Aviva 0800 015 5064 £1,861.40 £2,234.26 £2,575.71 Virgin Money 0330 057 1701 2.04% F to 1.7.25 75%£1,995 To 1.7.25 Legal & General 0345 765 4465 £1,908.00 £2,218.80 £2,602.92 The selections above are based on a combination of initial rate, fee and incentive available Arranged overdrafts Just 0345 302 2287 £1,839.96 £2,169.12 £2,568.12 Account Usage National Savings & investments Provider Contact Account name Fee EAR Fee Canada Life 0345 300 3199 £1,849.44 £2,163.36 £2,524.80 Starling bank starlingbank.comCurrent Account None 15.0% £0 Notice or Min AER Interest Joint life Term Paid First Direct 0345 600 2424 1st Account None 39.9% £0 Provider Contact Male: Age 60 Age 65 Age 70 Accounts and bonds M&S Bank 0800 756 7777 M&S Current Account None 39.9% £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 Legal & General 0345 765 4465 £1,558.56 £1,788.84 £2,028.00 Direct Saver None £1 1.00% Yearly The Co-operative Bank 0345 721 2212 Current Account None 18.9% £0 Hodge 0800 023 7233 £1,566.00 £1,781.00 £2,035.00 Current account interest rates paid up to a level.