the times | Saturday October 5 2019 1G M 67 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 12 £1 1.45% Rate LTV Until Provider Contact APR month repaid Virgin Money virginmoney.com MUFC Double Take E-Saver 7 £1 1.45% HSBC 0808 256 6876 2.69% F to 31.1.22 95% - To 31.1.22 John Lewis 0345 266 1380 2.9% £179.07 £10,744.20 Kent Reliance kentreliance.co.uk Branch & Online Access - 35 £1,000 1.43% Furness BS 0800 220568 2.99% D for 2 years 95% - 1st 2 yrs M&S Bank 0800 363 400 2.9% £179.07 £10,744.20 Yorkshire Building Society ybs.co.uk 1 Year Ltd Access Saver £100 1.40% The Melton BS 01664 414141 2.79% D for 3 years 95% - 1st 3 yrs Sainsbury's Bank 0800 169 8503 2.9% £179.07 £10,744.20 Chelsea Building Society thechelsea.co.uk 1 Year Ltd Access Saver £100 1.40% Santander 0800 100802 3.19% F to 2.1.23 95% - To 2.1.23 Tesco Bank 0345 600 6016 2.9% £179.07 £10,744.20 Long-term fixed rates Monmouthshire BS 0845 888 8000 2.95% F for 5 years 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 Shawbrook Bank shawbrook.co.uk Fixed Rate Bond 3 (7 yr) £1,000 2.40% F Provider Contact Initial Period Max Fee Charge Gatehouse Bank A via website Fixed Term Deposit (5 yr) £1,000 2.35% F Rate LTV Until Introductory rate for balance transfers BLME A blme.com Premier Deposit (5 yr) £1,000 2.30% F NatWest 0800 587 6599 1.51% F to 31.1.22 80% £995 To 31.1.22 Bal trans Purch BLME A blme.com Premier Deposit (7 yr) £1,000 2.30% F Post Office Money® 0800 077 8033 1.89% F to 30.11.22 85% - To 30.11.22 Provider Contact Product name Transfer Fee APR Axis Bank UK Ltd axisbank.com Fixed Deposit (5 yr) £1,000 2.26% F NatWest 0800 587 6599 1.66% F to 31.1.25 75% £995 To 31.1.25 MBNA Limited 0345 606 2062 Long 0% Bal Transfer MC 0% 1st 29 mths 2.75% 20.9% Easy access cash Isas Lloyds Bank 0800 783 3534 1.92% F to 30.11.24 85% £999 To 30.11.24 Halifax 0345 944 4555 29 Mth BT CC MC 0% 1st 29 mths 3.00% 19.9% Coventry BS 0800 121 8899 2.15% V for term 75% £999 None Virgin Money 0800 389 2875 29 Mth BT CC MC 0% 1st 29 mths 3.00% 21.9% Provider Contact Account Min AER Barclaycard 0800 731 0200 Platinum 28 Mth BT V 0% 1st 28 mths 1.75% 19.9% Coventry BS via website Limited Access Isa £1 1.46% B 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 11 £1 1.45% Redmptn Provider Contact Initial Period Max Fee Charge Virgin Money virginmoney.com MUFC Double Take E-Isa 10 £1 1.45% Rate LTV Until Introductory rate for purchases Yorkshire Building Society ybs.co.uk 1 Year Ltd Access Isa £100 1.40% NatWest 0800 587 6599 1.25% to 31.1.22 75% £995 To 31.1.22 Introductory Purch Chelsea Building Society thechelsea.co.uk 1 Year Ltd Access Isa £100 1.40% Santander 0800 100 802 1.28% to 2.1.22 60% £999 To 2.1.22 Provider Contact Product name Term APR Fixed-cash Isas Leek United BS 0845 219 0250 2.00% to 28.2.22 90% - To 28.2.22 MBNA Limited 0345 606 2062 0% Transfer & Pur CC MC 0% 1st 26 mths 20.9% Barclaycard 0800 731 0200 Plat All-Rounder Visa 0% 1st 25 mths 19.9% Provider Contact Account Min AER Post Office Money® 0800 077 8033 1.89% to 30.11.22 85% - To 30.11.22 Sainsbury's Bank 0808 540 5060 Dual Offer CC MC 0% 1st 25 mths 20.9% United Trust Bank via post Isa 7 Yr Bond (7 yr) £15,000 2.20% F HSBC 0808 256 6876 2.04% to 31.1.23 90% £999 To 31.1.23 Tesco Bank 0345 300 4278 C'card CC Purchase MC 0% 1st 24 mths 19.9% UBL UK via branch Fixed Isa (5yr) £2,000 2.01% F Long-term fixed-rate mortgages Bank of Ireland UK 0800 085 0444 Matched MC 0% 1st 24 mths 19.9% Family Building Society via website Fixed Isa (3) (5yr) £1,000 2.00% F Redmptn State Bank of India via branch Isa Fixed Deposit (5yr) £5,000 2.00% F Provider Contact Initial Period Max Fee Charge Rate LTV Until Dudley BS via branch Fixed Isa 4 (5 yr) £100 1.90% F Cashback credit card Barclays Mortgage 0333 202 7580 1.63% to 31.10.24 75% £999 To 31.10.24 Help-to-buy cash Isas Purchase Santander 0800 100802 1.95% to 2.1.25 85% £999 To 2.1.25 Provider Contact Product name APR Cashback Provider Contact Account Min AER TSB 03459 758 758 2.39% to 30.11.24 90% - To 30.11.24 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% TSB 03459 758 758 2.24% to 30.11.29 60% £995 To 30.11.29 Intro 5%/3mth (max £125) American Express 0800 917 8047 Plat Cashback Everyday 22.9% 0.50%-1% standard NatWest 0800 200400 Help to Buy: Isa £1 2.50% Yorkshire BS 0345 120 0874 2.49% to 31.12.29 85% £495 To 31.12.29 Intro 5%/3mth (max £100) Ulster Bank ulsterbank.co.uk 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 Nationwide BS nationwide.co.uk Help to Buy: Isa £1 2.50% Redmptn over £1 per year Virgin Money virginmoney.com Help to Buy: Isa 4 £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 transaction Regular savings accounts Coventry BS 0800 121 8899 2.15% term 75% £999 None NewDay 0333 220 2691 aqua Reward M’card 34.9%Standard 0.50% on spend Provider Contact Account Min AER Coventry BS 0800 121 8899 2.25% term 85% £999 None over £1 per year Mntly Coventry BS 0800 121 8899 2.39% term 90% £999 None Borrowing rates and products are subject to credit ratings. Terms apply to all cashback. Monmouthshire BS via branch Celebration Saver (14) £0 3.00% F Coventry BS 0800 121 8899 2.49% term 75% £499 None Kent Reliance via branch 1 Yr Regular Savings - 3 £1 3.00% V Coventry BS 0800 121 8899 2.59% term 85% £499 None Current accounts Virgin Money via branch Regular Saver Issue 18 £1 3.00% F Saffron BS via branch 12 Mth Fixed Saver (4) £10 3.00% F Buy-to-let Mortgages Credit interest Coventry BS via website Regular Saver £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-op Bank 0345 721 2212 Current Everyday Rewards None £4 pm C Principality BS 0845 045 0006 2.30% D to 31.12.21 75% - To 31.12.21 Nationwide BS 0800 302 010 FlexDirect None 5% B Single life Coventry BS 0800 121 8899 2.29% 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 Post Office Money® 0800 077 8033 1.78% F to 30.11.21 60% £495 To 30.11.21 TSB 0345 975 8758 Classic Plus None 3% Aviva 0800 015 5064 £1,901.25 £2,279.57 £2,629.46 Virgin Money 0330 057 1701 1.74% F to 1.1.23 60%£1,995 To 1.1.23 Nationwide BS 0800 302 010 FlexPlus £13 pm 3% Legal & General 0345 765 4465 £1,971.84 £2,278.56 £2,652.96 Virgin Money 0330 057 1701 2.12% F to 1.1.25 75%£1,995 To 1.1.25 Hodge Lifetime 0800 023 7233 £1,953.00 £2,264.00 £2,644.00 Terms and conditions may apply when you repay your mortgage. Arranged overdrafts Canada Life 0345 300 3199 £1,898.04 £2,214.00 £2,577.12 Account Usage National Savings & investments Provider Contact Account name Fee EAR Fee Just 0345 302 2287 £1,824.48 £2,143.80 £2,528.52 First Direct 0345 600 2424 1st Account None 15.9% £0 Notice or Min AER Interest Joint life Term Paid M&S Bank 0800 756 7777 M&S Current Account None 15.9% £0 Provider Contact Male: Age 60 Age 65 Age 70 Accounts and bonds Starling Bank starlingbank.com Current Account None 15.0% £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 £1,624.56 £1,844.28 £2,079.12 Direct Saver None £1 1.00% Yearly Nationwide BS 0800 302010 Flex Account None 18.9% £0 Hodge Lifetime 0800 023 7233 £1,613.00 £1,819.00 £2,063.00 Investment Account None £20 0.80% Yearly Current account interest paid to a level.