the times | Saturday February 1 2020 1G M 67

Money

National Savings & investments

Notice or Min AER InterestTerm Paid

Accounts and bondsIncome Bonds None £500 1.16% Monthly

Direct Saver None £1 1.00% Yearly

Investment Account None £20 0.80% Yearly

Tax-free productsJunior Isa Age 18 £1 3.25% Yearly

Direct Isa None £1 0.90% Yearly

Credit cards

Introductory rate for balance transfersBal trans Purch

Provider Contact Product name Transfer Fee APR

Sainsbury's Bank 0808 540 5060 Balance Transfer CC MC 0% 1st 29 mths 2.74% 19.9%

MBNA Limited 0345 606 2062 Long 0% Bal Transfer MC 0% 1st 29 mths 2.75% 20.9%

Halifax 0345 944 4555 29 Mth BT CC MC 0% 1st 29 mths 3.00% 19.9%

Virgin Money 0800 389 2875 29 Mth BT CC MC 0% 1st 29 mths 3.00% 21.9%

Barclaycard 0800 731 0200 Platinum 28 Mth BT V 0% 1st 28 mths 1.73% 21.9%

Introductory rate for purchasesIntroductory Purch

Provider Contact Product name Term APR

Sainsbury's Bank 0808 540 5060 Dual Offer CC MC 0% 1st 27 mths 20.9%

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 21.9%

Bank of Ireland UK 0800 085 0444 Matched MC 0% 1st 24 mths 19.9%

Tesco Bank 0345 300 4278 C'card CC Purchase MC 0% 1st 22 mths 19.9%

Current accounts

Credit interestAccount

Provider Contact Account name Fee AER

The Co-op Bank 0345 721 2212 Current Everyday Rewards None £4 pm E

Nationwide BS 0800 302010 FlexDirect None 5% C

Halifax 0345 720 3040 Reward Current Account None £2 pm E

TSB 0345 975 8758 Classic Plus None 3%

Santander 0800 912 3123 123 Current Account £5 pm 1.50%

Savings

Easy access (without introductory bonus)Provider Contact Account Min AER

Marcus by Goldman Sachs® marcus.co.uk Online Savings £1 1.35%

Shawbrook Bank shawbrook.co.uk Easy Access - Issue 18 £1,000 1.33%

Britannia via website Select Access Saver 11 £500 1.30%

Gatehouse Bank A via website Easy Access Account £1,000 1.30%

Earl Shilton BS via branch Heritage £1,000 1.30% B

Long-term fixed rates

Provider Contact Account Min AER

PCF Bank pcf.bank Term Deposit 11 (7 yr) £1,000 2.15% F

Gatehouse Bank A via website Raisin UK - Fixed Deposit (5 yr) £1,000 2.10% F

UBL UK via branch Fixed Deposit (5 yr) £2,000 2.10% F

Secure Trust Bank via website Fixed Rate Bond (28.2.25) £1,000 2.06% F

PCF Bank pcf.bank Term Deposit 9 (4 yr) £1,000 2.02% F

Easy access cash IsasProvider Contact Account Min AER

Al Rayan Bank A via website Instant Access Isa £50 1.36%

Cynergy Bank via website Online Isa (Issue 1) £1 1.31%

Yorkshire Building Society ybs.co.uk 1 Year Ltd Access Isa 3 £100 1.30%

Yorkshire Building Society via branch Annual Access Isa £100 1.30%

Leeds BS via website Ltd Issue Online Isa (16) £1,000 1.30%

Fixed-cash IsasProvider Contact Account Min AER

UBL UK via branch Fixed Isa (5 yr) £2,000 1.91% F

United Trust Bank via post Isa 7 Yr Bond (7 yr) £15,000 1.90% F

Secure Trust Bank via website Fixed Rate Isa (28.2.25) £1,000 1.80% F

Coventry BS via website Fixed Isa (101) (31.5.25) £1 1.75% F

Secure Trust Bank via website Fixed Rate Isa (28.2.24) £1,000 1.75% F

Lifetime cash Isas

Provider Contact Account Min AER

Moneybox via website Cash Lifetime Isa £1 1.40%

Nottingham BS via website Lifetime Isa Online £10 1.25%

Paragon Bank via website Cash Lifetime Isa £1 1.15%

Newcastle BS newcastle.co.uk Cash Lifetime Isa £1 1.10%

Skipton BS skipton.co.uk Online Lifetime Isa 2 £1 1.00%

Regular savings accountsProvider Contact Account Min AER

MntlyKent Reliance via branch 1 Yr Regular Savings - 3 £1 3.00% V

Saffron BS via branch 12 Mth Fixed Saver (4) £10 3.00% F

Coventry BS via website Regular Saver (2) £0 2.50% V

Yorkshire Building Society ybs.co.uk Monthly Regular Saver 2 £0 2.50% V

Monmouthshire BS via branch Regular Saver Bond - 3 £0 2.50% F

Pension annuities

Single lifeProvider Contact Age 60 Age 65 Age 70

Hodge 0800 023 7233 £2,046.00 £2,361.00 £2,743.00

Aviva 0800 015 5064 £1,973.65 £2,359.85 £2,710.19

Legal & General 0345 765 4465 £2,025.24 £2,345.88 £2,735.88

Canada Life 0345 300 3199 £2,026.44 £2,341.56 £2,703.72

Just 0345 302 2287 £1,868.64 £2,195.88 £2,593.32

Joint lifeProvider Contact Male: Age 60 Age 65 Age 70

Female: Age 55 Age 60 Age 65Hodge 0800 023 7233 £1,699.00 £1,909.00 £2,156.00

Canada Life 0345 300 3199 £1,715.04 £1,906.92 £2,159.88

Legal & General 0345 765 4465 £1,668.00 £1,906.56 £2,150.40

Aviva 0800 015 5064 £1,581.52 £1,832.69 £2,023.92Just 0345 302 2287 £1,523.04 £1,727.28 £1,997.16

Based on a pension pot of £50,000.

Personal loans

Fixed monthly repayment on £10,000 for 5 years(without insurance)

Rep Amount per TotalProvider Contact APR month repaid

cahoot cahoot.com 2.8% £178.64 £10,718.40

John Lewis 0345 266 1380 2.9% £179.07 £10,744.20

M&S Bank 0800 363400 2.9% £179.07 £10,744.20

Sainsbury's Bank 0800 169 8503 2.9% £179.07 £10,744.20

Borrowing rates and availability of products are subject to individual credit ratings.

Mortgages

First-time buyer mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Yorkshire BS 0345 120 0874 2.77% F to 31.5.22 95% £250 To 31.5.22

Furness BS 0800 220568 2.99% D for 2 years 95% - 1st 2 yrs

The Melton BS 01664 414141 2.79% D for 3 years 95% - 1st 3 yrs

West Brom BS 0800 298 0008 2.84% F to 31.3.23 95% - To 31.3.23

Hanley Economic BS 01782 255000 2.79% F to 31.3.25 95% - To 31.3.25

RemortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

NatWest 0800 587 6599 1.51% F to 30.6.22 80% £995 To 30.6.22

Principality BS 0845 045 0006 2.05% F to 30.4.23 85% - To 30.4.23

first direct 0800 482448 1.59% F for 5 years 75% £490 1st 5 years

Coventry BS 0800 121 8899 1.89% F to 31.3.25 85% £999 To 31.3.25

Coventry BS 0800 121 8899 2.15% V for term 75% £999 None

Short-term fixed-rate mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

NatWest 0800 587 6599 1.25% to 30.6.22 75% £995 To 30.6.22

first direct 0800 482 448 1.34% for 2 years 60% £490 1st 2 years

Yorkshire BS 0345 120 0874 2.10% to 31.5.22 90% £250 To 31.5.22

West Brom BS 0800 298 0008 2.04% to 31.3.23 85% - To 31.3.23

Virgin Money 0330 057 1701 2.08% to 1.5.23 90% - To 1.5.23

Long-term fixed-rate mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

first direct 0800 482 448 1.59% for 5 years 75% £490 1st 5 years

TSB 03459 758 758 1.84% to 31.5.25 85% £995 To 31.5.25

Yorkshire BS 0345 120 0874 2.33% to 31.5.25 90% £250 To 31.5.25

TSB 03459 758 758 2.19% to 31.5.30 60% £995 To 31.5.30

Yorkshire BS 0345 120 0874 2.49% to 31.5.30 85% £495 To 31.5.30

Variable-rate mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Coventry BS 0800 121 8899 2.15% term 75% £999 None

Coventry BS 0800 121 8899 2.25% term 85% £999 None

Coventry BS 0800 121 8899 2.49% term 90% £999 None

Coventry BS 0800 121 8899 2.49% term 75% £499 None

Coventry BS 0800 121 8899 2.59% term 85% £499 None

Buy-to-let MortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Principality BS 0845 045 0006 2.15% D to 30.4.22 75% - To 30.4.22

Coventry BS 0800 121 8899 2.29% V for term 75%£1,999 None

NatWest 0800 587 6599 1.35% F to 30.6.22 60% £995 To 30.6.22

Virgin Money 0330 057 1701 1.63% F to 1.5.23 75%£1,995 To 1.5.23

Virgin Money 0330 057 1701 2.04% F to 1.5.25 75%£1,995 To 1.5.25

The selections above are based on a combination of initial rate, fee and incentive available.

Best buys

Cashback credit cardPurchase

Provider Contact Product name APR CashbackAmerican Express 0800 917 8047 Platinum Cashback 28.2% 1% - 1.25% standard

Intro 5%/3mth (max £125)American Express 0800 917 8047 Plat Cashback Everyday 22.9% 0.50%-1% standard

Intro 5%/3mth (max £100)Santander 0800 389 9905 All in One CC M'card 21.7%Standard 0.50% on spend

over £1 per yearNewDay 0333 220 2691 aqua Reward M’card 34.9%Standard 0.50% on spend

over £1 per yearBarclaycard 0800 731 0200 Rewards Visa 22.9%Standard 0.25% on spend

over £1 per year

Borrowing rates and products subject to credit ratings. Terms apply to all cashback

Data supplied by

Arranged overdraftsAccount Usage

Provider Contact Account name Fee EAR Fee

First Direct 0345 600 2424 1st Account None 15.9% £0

M&S Bank 0800 756 7777 M&S Current Account None 15.9% £0

Starling Bank starlingbank.com Current Account None 15.0% £0

Smile 0345 721 2212 Current Account None 18.9% £0

The Co-op Bank 0345 721 2212 Current Account None 18.9% £0

Current account interest paid to a level. A = Protected by non-UK compensation scheme. B = Operatesunder Islamic finance principles, rate is expected profit. C = Paid as a reward. E = Introductory rate. G = Fee waived if minimum funding of £1,000 is met. All savings rates are AER variable unless stated. Methods of operating accounts vary. F = Fixed rate. D= Discounted variable rate.V = Variable rate. No liability accepted for any loss arising from the use of this information. Readers who are not finance professionals should seek advice. Visit moneyfacts.co.uk for details.