58 1GM Saturday January 26 2019 | 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 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% Monmouthshire BS 0845 888 8000 2.55% D for 2 years 95% - None Cahoot cahoot.com 2.8% £178.64 £10,718.40 Virgin Money virginmoney.com MUFC Double Take E-Saver 5 £1 1.50% Melton Mowbray BS 01664 414141 2.79% D for 3 years 95% - 1st 3 yrs Sainsbury's Bank 0800 169 8503 2.8% £178.64 £10,718.40 Paragon Bank paragonbank.co.uk Ltd Edition Easy Access (7) £1 1.45% Post Office Money® 0800 0778033 3.08% F to 31.3.21 95% - To 31.3.21 John Lewis 0345 266 1380 2.9% £179.07 £10,744.20 Sainsbury’s Bank 0808 540 5060 Defined Access Saver - 8 £1,000 1.45% 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 Post Office Money® 0800 077 8033 3.28% F to 31.3.24 95% - To 31.3.24 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 Hanley Economic BS 01782 255000 1.55% F to 28.2.21 80% £799 To 28.2.21 Bal trans Purch Vanquis Bank vanquis.co.uk Savings (5 yr) £1,000 2.62% F Darlington BS 01325 366366 2.24%D to 31.1.22 80% - To 31.1.22 Provider Contact Product name Transfer Fee APR Ikano Bank B ikano.co.uk Fixed Saver (5 yr) £1,000 2.62% F first direct 0800 482448 1.99% F for 5 years 75% £490 1st 5 yrs 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 BT MC 0% 1st 32 mths 2% 19.9% Coventry BS 0800 121 8899 2.15% V for term 75% £999 None MBNA Limited 0345 606 2062 Platinum 30-mth BT Visa 0% 1st 30 mths 1.49% 19.9% Provider Contact Account Min AER Sainsbury's Bank 0808 540 5060 30 Mth BT CC MC 0% 1st 30 mths 3% 19.9% Paragon Bank paragonbank.co.uk Ltd Edition Easy Isa (5) £1 1.45% Short-term fixed-rate mortgages 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% Redmptn Provider Contact Initial Period Max Fee Charge Virgin Money virginmoney.com MUFC Double E-Isa 4 £1 1.45% Rate LTV Until Introductory rate for purchases Yorkshire Building Society ybs.co.uk Online Single Access Isa 4 £100 1.41% Hanley Economic BS 01782 255000 1.58% to 31.1.21 65% £450 To 31.1.21 Introductory Purch Leeds BS via website Ltd Issue Online Isa (9) £1,000 1.38% 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% MBNA Limited 0345 606 2062 All-Round 28/28 CC Visa 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 Virgin Money 0800 389 2875 28 Mth Pur CC MC 0% 1st 28 mths 19.9% Coventry BS 0800 121 8899 Fixed Isa (75) (30.11.23) £1 2.30% F HSBC 0808 256 6876 2.35% to 30.4.22 90% - To 30.4.22 Sainsbury's Bank 0808 540 5060 Dual Offer CC MC 0% 1st 28 mths 20.9% Charter Savings Bank via website 5 Yr Fixed Rate Isa £1,000 2.26% F Long-term fixed-rate mortgages Barclaycard 0800 731 0200 27-mth Pur & BT Visa 0% 1st 27 mths 19.9% Leeds BS via website Fixed Isa (83) (3.3.24) £100 2.12% F Redmptn Virgin Money virginmoney.com Fixed E-Isa 361 (24.1.24) £1 2.11% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Newcastle BS newcastle.co.uk Fixed Isa (26) (23.2.24) £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% first direct 0800 482448 2.44% for 10 years 60% - 1st 10 yrs 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 2.55% 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 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 Tandem Bank 0203 370 0970 Cashback CC M’card 18.9%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 Smile 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 14 £1 3.00% F Coventry BS 0800 121 8899 2.59% term 85% £499 None Current accounts Kent Reliance 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 E Leek United BS 0845 219 0250 1.79% 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% C Provider Contact Age 60 Age 65 Age 70 Post Office Money® 0800 077 8033 1.78% F to 31.3.21 75% £995 To 31.3.21 Halifax 0345 720 3040 Reward Current Account None £2 pm E Legal & General 0345 765 4465 £2,291.28 £2,623.20 £2,999.28 Virgin Money 0330 057 1701 2.03% F to 1.5.22 60% £995 To 1.5.22 Tesco Bank 0345 835 3353 Current Account None 3% Hodge Lifetime 0800 023 7233 £2,272.00 £2,580.00 £2,952.00 Skipton BS 0345 717 1777 2.49% F to 30.4.24 75% £995 To 30.4.24 Canada Life 0345 300 3199 £2,239.20 £2,553.48 £2,915.88 Terms and conditions may apply when you repay your mortgage. Arranged overdrafts Just 0345 302 2287 £2,147.52 £2,494.32 £2,871.00 Account Usage National Savings & Investments Provider Contact Account name Fee EAR Fee Aviva 0800 015 5064 £2,117.63 £2,489.01 £2,862.23 First Direct 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 Starling Bank 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 Legal & General 0345 765 4465 £1,907.88 £2,168.16 £2,410.32 Guaranteed Income 58 3 Yr Bnd £500 1.92% Monthly Tesco Bank 0345 835 3353 Current Account None 18.9% £0 Hodge Lifetime 0800 023 7233 £1,934.00 £2,136.00 £2,372.00 Guaranteed Growth 63 1 Yr Bnd £500 1.50% Yearly Current account interest paid to a level.