62 1GM Saturday January 13 2018 | the times

Money

National Savings & Investments

Notice or Min AER InterestTerm Paid

BondsInvestment Growth 1 3 Yr Bnd £100 2.20% Yearly

Guaranteed Growth bonds 56 3 Yr Bnd £500 2.20% Yearly

Guaranteed Income bonds 56 3 Yr Bnd £500 2.17% Monthly

Tax-free productsJunior Isa Age 18 £1 2.25% Yearly

Direct Isa None £1 1.00% Yearly

Credit cards

Introductory rate for balance transfersBal trans Purch

Provider Contact Product name Transfer Fee APR

Barclaycard 0800 731 0200 Plat 38 Mth BT Visa 0% 1st 38 mths 1.40% 19.9%

MBNA Limited 03456 062 062 Plat 38 Mth BT Visa 0% 1st 38 mths 1.44% 19.9%

nuba 03456 062 062 Transfer BT CC M’card 0% 1st 38 mths 2.49% 19.9%

Post Office Money 0345 607 6500 BT Credit Card MC 0% 1st 37 mths 1.99% 18.9%

Halifax 0345 944 4555 Online 36 Mth BT MC 0% 1st 36 mths 2.50% 19.9%

Introductory rate for purchasesIntroductory Purch

Provider Contact Product name Term APR

Sainsbury's Bank 08085 40 50 60 Purchase CC MC 0% 1st 31 mths 18.9%

Halifax 0345 944 4555 30 Mth Purchase MC 0% 1st 30 mths 18.9%

Sainsbury's Bank 08085 40 50 60 Dual Offer CC MC 0% 1st 30 mths 18.9%

Post Office Money® 0345 607 6500 Matched Mastercard 0% 1st 30 mths 18.9%

Santander 0800 389 9905 Everyday CC MC 0% 1st 30 mths 18.9%

Current accounts

Credit interestAccount

Provider Contact Account name Fee AER

TSB 03459 758 758 Classic Plus None 3% E

Halifax 0345 720 3040 Reward Current Account None £3 pm G

Nationwide BS 0800 30 20 10 FlexDirect None 5% C

Tesco Bank 0345 835 3353 Current Account None 3%

Nationwide BS 0800 30 20 10 FlexPlus £13 per month 3%

Authorised overdraftsAccount Usage

Provider Contact Account name Fee EAR Fee

First Direct 0800 242424 1st Account £10 pm H 15.9% £0

M&S Bank 0345 900 0900 M&S Current Account None 15.9% £0

Post Office Money® 0345 266 8977 Standard Account None 14.9% £0

Ulster Bank 0800 046 6486 Standard Current Account None 15.94% £0

Tesco Bank 0345 835 3353 Current Account None 18.9% £0

Current account interest paid to a level, terms may apply for rates. A = Protected by Non-UK compensation scheme. B = Provider operates under Islamic finance principles, rate is expected profit. C = Introductory rate. E = Up to £10pm reward. G = Paid as reward. Fee waived if fundingof £1,000 is met. All savings rates AER variable unless stated. F = Fixed rate. D= Discounted variable rate. V = Variable rate. All rates and terms are subject to change. No liability accepted for any loss arising from use of this information. Visit moneyfacts.co.uk for full details.

Savings

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

RCI Bank UK A rcibank.co.uk Freedom Savings £100 1.30%

Virgin Money virginmoney.com Double Take E-Saver 3 £1 1.26%

Sainsbury’s Bank via website eSaver Special £15,000 1.26%

Nottingham BS via website eSaver Instant 8 £1,000 1.25%

Shawbrook Bank shawbrook.co.uk Easy Access - Issue 10 £1,000 1.20%

Long-term fixed rates

Provider Contact Account Min AER

BLME B blme.com Premier Deposit (5 yr) £25,000 2.55% F

BLME B blme.com Premier Deposit (7 yr) £25,000 2.55% F

PCF Bank 0207 227 7577 Term Deposit 3 (7 yr) £1,000 2.50% F

PCF Bank 0207 227 7577 Term Deposit 7 (5 yr) £1,000 2.42% F

Paragon Bank paragonbank.co.uk Fixed Rate (5 yr) £1,000 2.40% F

Easy-access cash IsasProvider Contact Account Min AER

Paragon Bank paragonbank.co.uk Limited Issue ISA (3) £1 1.16%

AA theaa.com Easy Access Issue 14 £100 1.16% C

Post Office Money® postoffice.co.uk Online Easy Access 12 £100 1.15% C

Sainsbury's Bank 0808 540 5060 Cash ISA £500 1.15%

Shawbrook Bank shawbrook.co.uk Easy Access Isa Issue 1 £1,000 1.10%

Fixed-cash IsasProvider Contact Account Min AER

United Bank UK 0800 218 2266 5 Year Fixed Rate Isa £2,000 2.15% F

Charter Savings Bank via website 5 Yr Fixed Rate Isa £1,000 2.11% F

Leeds BS via website 5 Yr Fixed Rate Isa (70) £100 2.05% F

Virgin Money virginmoney.com Fixed Rate E-Isa 298 £1 2.00% F

Coventry BS 0800 121 8899 Fixed Isa (54) 30.11.22 £1 2.00% F

Help-to-buy cash Isas

Provider Contact Account Min AER

Newcastle BS 0845 600 4368 Help to Buy: Isa £1 2.56%

Barclays Bank 0800 400100 Help to Buy: Isa £1 2.53%

Buckinghamshire BS via branch Help to Buy: Isa 2 £1 2.25%

Nottingham BS via branch Help to Buy: Isa £1 2.25%

Virgin Money virginmoney.com Help to Buy: Isa 4 £1 2.25%

Regular savings accountsProvider Contact Account Min AER

MntlySaffron BS via branch 12 Month Fixed (3) £10 3.50% F

Santander santander.co.uk Regular eSaver (6) £0 3.00% F

Kent Reliance via branch Regular Savings - Issue 3 £1 3.00% V

Leeds BS via website Regular Saver (Issue 11) £0 2.55% V

Nottingham BS 0344 481 4444 Special Saver (6) £1 2.50% V

Pension annuities

Single lifeProvider Contact Age 60 Age 65 Age 70

Legal & General 0345 765 4465 £2,210.04 £2,546.64 £2,950.68

SAGA 0800 068 6228 £2,199.00 £2,534.04 £2,966.52

Canada Life 0345 300 3199 £2,183.64 £2,517.12 £2,875.44

Hodge Lifetime 0800 023 7233 £2,193.00 £2,503.00 £2,878.00

Aviva 0800 015 5064 £2,128.83 £2,462.60 £2,916.83

Joint lifeProvider Contact Male: Age 60 Age 65 Age 70

Female: Age 55 Age 60 Age 65Legal & General 0345 765 4465 £1,836.12 £2,060.88 £2,261.88

Hodge Lifetime 0800 023 7233 £1,850.00 £2,057.00 £2,297.00

SAGA 0800 068 6228 £1,846.08 £2,050.56 £2,274.12

Canada Life 0345 300 3199 £1,846.56 £2,036.52 £2,287.68Retirement Advantage 0800 912 9945 £1,876.20 £1,995.84 £2,145.12

Based on a pension pot of £50,000.

Mortgages

First-time buyer mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Hanley Economic BS 01782 255000 3.10% D for 2 years 95% £250 1st 2 yrs

Yorkshire BS 0345 120 0874 3.29% F to 29.2.20 95% £995 To 29.2.20

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

Vernon BS 0161 429 6262 3.49% F to 31.1.21 95% £100 To 31.1.21

Hinckley & Rugby BS 0800 774499 3.99% F for 5 years 95% - 1st 5 yrs

RemortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Sainsbury's Bank 0345 111 8010 1.39% F to 31.3.20 80% £745 To 31.3.20

Vernon BS 0161 429 6262 2.10% D for 3 years 80% £499 1st 3 yrs

Coventry BS 0800 121 8899 1.75% F to 31.3.23 65% £999 To 31.3.23

Sainsbury's Bank 0345 111 8010 1.91% F to 31.3.23 75% £745 To 31.3.23

Coventry BS 0800 121 8899 1.80% V for term 75% £999 None

Short-term fixed-rate mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Yorkshire BS 0345 120 0874 1.24% to 29.2.20 65% £495 To 29.2.20

Sainsbury's Bank 0345 111 8010 1.74% to 31.3.20 85% - To 31.3.20

Principality BS 0845 045 0006 2.15% to 30.4.20 90% - To 30.4.20

Nationwide BS 0800 302010 1.69% for 3 years 80% £999 1st 3 years

Barclays Mortgage 0333 202 7580 2.39% to 30.4.21 90% - To 30.4.21

Long-term fixed-rate mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Principality BS 0845 045 0006 1.65% to 30.4.23 65%£1,395 To 30.4.23

Yorkshire BS 0345 120 0874 2.01% to 28.2.23 85% £995 To 28.2.23

Principality BS 0845 045 0006 2.55% to 30.4.23 90% - To 30.4.23

TSB 0808 274 5506 2.34% to 31.1.28 60% £995 To 31.1.28

Barclays Mortgage 0333 202 7580 2.69% to 30.4.28 80% £999 To 30.4.28

Variable-rate mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Coventry BS 0800 121 8899 1.80% term 75% £999 None

Coventry BS 0800 121 8899 2.00% term 85% £999 None

Coventry BS 0800 121 8899 2.20% term 75% £499 None

Coventry BS 0800 121 8899 2.40% term 85% £499 None

Coventry BS 0800 121 8899 2.70% term 90% £999 None

Buy-to-let MortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Principality BS 0845 045 0006 1.70% D to 30.4.20 60% - To 30.4.20

Coventry BS 0800 121 8899 2.05% V for term 65%£1,999 None

Post Office Money® 0800 077 8033 2.03% F to 29.2.20 70%£1,495 To 29.2.20

Virgin Money 0330 057 1701 1.69% F to 1.5.21 60%£1,995 To 1.5.21

Principality BS 0845 045 0006 2.50% F to 30.4.23 75%£1,395 To 30.4.23

Terms and conditions may apply when you repay your mortgage.

Personal loans

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

Rep Amount per TotalProvider Contact APR month repaid

M&S Bank 0800 363400 2.8% £178.64 £10,718.40

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

TSB 0345 835 3861 2.9% £179.07 £10,744.20

cahoot cahoot.com 3.0% £179.51 £10,770.60

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

Money best buys

Cashback credit cardPurchase

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

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

Intro 5%/3mth (max £100)Santander 0800 389 9905 World Elite CC M’card 49.8% Standard 0.5% on spend

over £1 a year (max £3K)Santander 0800 389 9905 All in One CC M’card 21.7% Standard 0.5% on spend

over £1 a yearFirst Trust Bank (NI)

0800 382 265 Visa/M'card Option 1 18.9% 0.5% on spend over £1

Terms apply to all cashback. r

Data supplied by