Money best buys
54
Saturday August 13 2016 | the times
1GM
Money
Money best buys
Data supplied by
Mortgages
Savings
First-time buyer mortgages
Easy access (without introductory bonus) Account
Provider
Contact
Min
Shawbrook Bank
shawbrook.co.uk Easy Access - Issue 5
Virgin Money
virginmoney.com Defined Access ESaver 7
£1 1.16%
Mansfield BS
ICICI Bank UK
via branch
AER
£1 1.15%
Hanley Economic BS
Harrods Bank
harrodsbank.co.uk Instant Savings Issue 3
£25,000 1.11%
Yorkshire BS
via branch
£100 1.10%
£1,000 1.25%
SuperSaver Savings Triple Access Saver 4
Long-term fixed rates Provider
Contact
Account
Min
Yorkshire Bank
via branch
Retail (5 yr)
£2,000 2.20%
Clydesdale Bank
via branch
Retail (5 yr)
£2,000 2.20%
Shawbrook Bank
shawbrook.co.uk Fixed Rate 22 (5 yr)
BLME
blme.com
Premier Deposit (7 yr)
Vanquis Bank
vanquis.co.uk
Savings (5 yr)
AER
£5,000 2.20% £25,000 2.13% £1,000 2.10%
Easy-access cash Isas Provider
Contact
Account
Min
Melton Mowbray BS
01664 414141
Cash Isa
£25 1.25%
Penrith BS
01768 863675
Isa Issue 2
Family Building Society
03330 140141
Tracker Cash Nisa 1
Hanley Economic BS
01782 255000
Cash Isa Instant Access
Market Harborough BS
01858 412250
Instant Access Isa 3
Personal loans
AER
£100 1.25%
Provider
Contact
Fixed monthly repayment on £10,000 for 5 years (without insurance)
Period
01623 676345
Initial Rate 3.19% (D)
01782 255000
3.29% (D)
2 yrs
95%
Nil
Yorkshire BS
0345 120 0874
3.69% (F)
to 31.10.18
95%
Yorkshire BS
0345 120 0874
4.08% (F)
to 31.10.19
95%
Saffron BS
0800 072 1100
3.97% (F)
to 30.9.21
95% £495
To 30.9.21
Minimum income restrictions may apply. APR may be dependent on credit rating.
Contact
Period
Furness BS
0800 220568
Initial Rate 1.40% (D)
Max Fee LTV 80% £999
Redmptn Charge Until None
Credit cards
Provider
The Co-operative Bank 0800 234 6761
1.49% (F)
to 31.10.18
Melton Mowbray BS
01664 414141
1.50% (D)
Saffron BS
0800 072 1100
2.19% (D)
first direct
0800 482448
2.18% (F)
2 yrs
Max Fee LTV 95% £499
Redmptn Charge Until 1st 2 yrs
Provider
Contact
Rep APR
Amount per month
Total repaid
Ikano Bank
ikano.co.uk
3.2%
£180.37
£10,822.20
HSBC
0800 032 4735
3.3%
£180.80
£10,848.00
Nil To 31.10.18
M&S Bank
0800 363400
3.3%
£180.80
£10,848.00
Nil To 31.10.19
Cahoot
cahoot.com
3.4%
£181.14
£10,868.40
1st 2 yrs
Remortgages
2 yrs
Provider
Contact
3 yrs
65%
Nil
1st 3 yrs
Virgin Money
0800 389 2875 41 Mth BT CC M'C
0% 1st 41 mths
4.00%
20.9%
3 yrs
80%
Nil
1st 3 yrs
Halifax
0800 028 3258 40 Mth BT M'Card
0% 1st 40 mths
2.46%
18.9%
5 yrs
75%
NIl
1st 5 yrs
MBNA
mbna.co.uk
0% 1st 40 mths
2.47%
18.9%
Tesco Bank
0345 300 4278 Clubcard for BT M'C
0% 1st 39 mths
2.69%
18.9%
Sainsbury's Bank
0800 030 4418 Long BT M'Card
0% 1st 39 mths
2.89%
18.9%
0808 256 6876
Initial Rate 0.99%
to 31.8.18
Yorkshire BS
0345 120 0874
1.57%
to 31.10.18
85% £975 To 31.10.18
Provider
Contact
Fixed-cash Isas
Leek United BS
0845 219 0250
1.99%
to 31.10.18
90% £995 To 31.10.18
Sainsbury’s Bank
Provider
Leeds BS
0845 045 4049
1.95%
to 30.9.19
80% £999
Yorkshire BS
0345 120 0874
2.94%
to 31.10.19
Yorkshire Bank
Contact
Account
£500 1.22% £3,000 1.20% £10,000 1.20%
Min
AER
Shawbrook Bank
shawbrook.co.uk 5 Yr Fixed Isa Issue 3
£5,000 1.90%
Newcastle BS
0845 606 5522 5 Yr Fixed Rate Isa 14
£500 1.80%
Metro Bank
via branch
Principality BS
0845 045 0452 5 Yr Fixed Rate Isa 153
£500 1.75%
Leeds BS
0845 045 4048 5 Yr Fixed Rate Isa 58
£100 1.70%
5 Yr Fixed Rate Isa 3
Contact
Account
Halifax
0845 122 1348 Help to Buy: Isa
HSBC
Contact
first direct
0800 482448
West Brom BS
2.69%
to 30.11.21
85% £199 To 30.11.21
Leek United BS
0845 219 0250
2.89%
to 31.10.21
90% £995 To 31.10.21
£1 2.50%
Coventry BS
0800 121 8899
2.49%
to 30.9.26
65% £999
To 30.9.26
0808 256 6876
2.99%
to 31.8.26
80%
Nil
To 31.8.26
Redmptn Charge Until None
virginmoney.com Help to Buy: Isa 2
£1 2.50%
0800 400100
Help to Buy: Isa
£1 2.27%
Variable-rate mortgages
Buckinghamshire BS
01494 879500
Help to Buy: Isa 2
£1 2.25%
Aldermore
0345 604 2678 Help to Buy: Isa
£1 2.00%
Regular savings accounts via branch
12 Mth Fixed Members 3
West Brom BS
via branch
Santander
santander.co.uk Regular eSaver
Adults' Regular Saver 3
Nottingham BS
0844 481 4444 Go for Gold Saver
Leek United BS
via branch
Regular Savings
Min AER Mntly £10 3.50% F £10 3.30% F £0 3.00% V £1 3.00% V
Provider
Contact
Coventry BS Coventry BS
Max LTV 75%
Fee Nil
Period
0800 121 8899
Initial Rate 1.75%
term
Max Fee LTV 65% £999
0800 121 8899
1.89%
term
75% £999
None
Coventry BS
0800 121 8899
1.99%
term
85% £999
None
Coventry BS
0800 121 8899
2.19%
term
85% £499
None
Coventry BS
0800 121 8899
2.35%
term
90% £999
None
Introductory rate for purchases Introductory Term
Purch APR
0800 030 4418 Nectar Purchase MC
0% 1st 27 mths
18.9%
Post Office Money® postoffice.co.uk Matched MasterCard
0% 1st 27 mths
18.9%
0800 678 3320 Gold MasterCard
0% 1st 26 mths
18.9%
AA
0800 032 2004 Dual CC MasterCard
0% 1st 26 mths
18.9%
Barclaycard
0800 731 0200 Plat Purchase & BT MC
0% 1st 25 mths
18.9%
Product name
Cashback credit card Purchase APR 28.2% Intro 18.4%
Provider American Express
Contact Product name 0800 169 6767 Plat Cashback Amex
Santander
0800 389 9905 123 CC M'Card
ASDA Money
0871 704 3369 Credit Card M’Card
18.9%
AA
0800 032 2004 Fuelsave CC M’Card
22.4%
NewDay Ltd
aquacard.co.uk aqua Reward M'Card
34.9%
Period
Redmptn Charge Until To 31.7.18
Account Fee
AER **
Reward Current Account
None
£5 pm
0345 835 3863
Classic Plus
None
5%
Nationwide
0800 302 010
FlexDirect
None
5%
None
3%
£10 pm
3%
Provider
Contact
Account name
Halifax
0345 720 3040
TSB
95% £495 To 30.11.18
0800 077 8033
Halifax
0845 727 3747
3.74% (F)
to 30.11.18
Age 70
Post Office Money®
0800 077 8033
4.19% (F)
to 31.7.19
95%
Nil
To 31.7.19
Tesco Bank
tescobank.com
Current Account
95%
Nil
To 31.7.21
Nationwide
0800 302 010
FlexPlus
to 31.7.18
Max LTV 95%
Fee Nil
Provider
Contact
Canada Life
0845 300 3199
£2,111.28 £2,446.92 £2,811.24
Post Office Money®
0800 077 8033
4.48% (F)
to 31.7.21
Hodge Lifetime
0800 023 7233
£2,096.00 £2,416.00 £2,823.00
Halifax
0845 727 3747
4.54% (F)
to 30.11.21
AEGON
0845 601 5273
£1,971.00 £2,325.60 £2,702.52
Mortgages shown are based on true cost and may include incentives
Authorised overdrafts
Prudential
0808 234 5100
£1,981.06 £2,282.98 £2,577.86
Aviva
0845 944 4800
£1,890.46 £2,226.37 £2,629.24
National Savings & Investments
Provider
Contact
Account name
First Direct
0800 242 424
1st Account
M&S Bank
0800 756 7777 M&S Current Account
Post Office Money Ulster Bank
Notice or Term
Joint life Provider Canada Life Hodge Lifetime
Contact 0845 300 3199
Male: Age 60 Age 65 Age 70 Female: Age 55 Age 60 Age 65 £1,771.80 £1,964.52 £2,218.92
0800 023 7233
£1,731.00 £1,933.00 £2,172.00
Retirement Advantage 0800 912 9945
£1,715.40 £1,867.56 £1,984.68
Legal & General SAGA
£1,566.72 £1,806.72 £1,968.72 £1,575.12 £1,797.72 £1,979.28
0845 765 4465 0800 068 6228
Based on a pension pot of £50,000
Min
95% £495 To 30.11.21
AER
Interest Paid
Accounts and bonds NS&I Direct Saver
None
£1
0.80%
Yearly
Income Bonds
None
£500
1.00%
Monthly
Investment
None
£20
0.45%
Yearly
None
£1
1.00%
Yearly
5 Yr Bnd
£25
2.50%
Yearly
Tax-free products Direct Isa Children’s Bonds Iss 35
Cashback 1.25% standard 5%/3mth (max £125) 1%-3% depends on spend 0.50% standard 1% ASDA/petrol 0.5% Standard 2% or 4% on fuel 0.5% capped at £100 pa
Current accounts
Post Office Money®
Single life Age 65
Platinum 40 Mth
Initial Rate 3.74% (F)
Pension annuities
Contact
Transfer
Credit interest
Help-to-buy mortgage guarantee
£25 2.25% V Provider
Age 60
Period
Redmptn Charge Until 1st 5 yrs
0800 298 0008
Barclays Bank
Saffron BS
Nil To 31.10.19
for 5 years
AER
Provider
Virgin Money
Account
90%
To 30.9.19
Long-term fixed-rate mortgages
HSBC
Contact
Max Fee LTV 65% £1,499
Initial Rate 2.18%
Min
Provider
Period
£1 1.75%
Help-to-buy cash Isas Provider
Contact
Redmptn Charge Until To 31.8.18
Product name
Bal trans Purch Fee APR
80% £1,499 To 31.10.18
Short-term fixed-rate mortgages Provider
Introductory rate for balance transfers
Account Fee
EAR
Usage Fee
£10 pm***
15.9%
£0
None
15.9%
£0
postoffice.co.uk Standard Account
None
14.9%
£0
0800 046 6486 Standard Current Account
None 15.94%
£0
None
£0
The Co-operative Bank 0345 721 2212 Current Account
18.9%
Monthly funding requirements may apply * = Expected profit rate, this provider operates under islamic finance principles. ** = Based on funding of £1,000 pm. *** = Fee waived if minimum funding of £1,000 is met. F = Fixed rate. D = Discounted variable rate. V = Variable rate. Mortgages shown are based on true cost and may include incentives, for full details visit www.moneyfacts.co.uk
Saturday August 13 2016 | the times
1GM
Money
Money best buys
Data supplied by
Mortgages
Savings
First-time buyer mortgages
Easy access (without introductory bonus) Account
Provider
Contact
Min
Shawbrook Bank
shawbrook.co.uk Easy Access - Issue 5
Virgin Money
virginmoney.com Defined Access ESaver 7
£1 1.16%
Mansfield BS
ICICI Bank UK
via branch
AER
£1 1.15%
Hanley Economic BS
Harrods Bank
harrodsbank.co.uk Instant Savings Issue 3
£25,000 1.11%
Yorkshire BS
via branch
£100 1.10%
£1,000 1.25%
SuperSaver Savings Triple Access Saver 4
Long-term fixed rates Provider
Contact
Account
Min
Yorkshire Bank
via branch
Retail (5 yr)
£2,000 2.20%
Clydesdale Bank
via branch
Retail (5 yr)
£2,000 2.20%
Shawbrook Bank
shawbrook.co.uk Fixed Rate 22 (5 yr)
BLME
blme.com
Premier Deposit (7 yr)
Vanquis Bank
vanquis.co.uk
Savings (5 yr)
AER
£5,000 2.20% £25,000 2.13% £1,000 2.10%
Easy-access cash Isas Provider
Contact
Account
Min
Melton Mowbray BS
01664 414141
Cash Isa
£25 1.25%
Penrith BS
01768 863675
Isa Issue 2
Family Building Society
03330 140141
Tracker Cash Nisa 1
Hanley Economic BS
01782 255000
Cash Isa Instant Access
Market Harborough BS
01858 412250
Instant Access Isa 3
Personal loans
AER
£100 1.25%
Provider
Contact
Fixed monthly repayment on £10,000 for 5 years (without insurance)
Period
01623 676345
Initial Rate 3.19% (D)
01782 255000
3.29% (D)
2 yrs
95%
Nil
Yorkshire BS
0345 120 0874
3.69% (F)
to 31.10.18
95%
Yorkshire BS
0345 120 0874
4.08% (F)
to 31.10.19
95%
Saffron BS
0800 072 1100
3.97% (F)
to 30.9.21
95% £495
To 30.9.21
Minimum income restrictions may apply. APR may be dependent on credit rating.
Contact
Period
Furness BS
0800 220568
Initial Rate 1.40% (D)
Max Fee LTV 80% £999
Redmptn Charge Until None
Credit cards
Provider
The Co-operative Bank 0800 234 6761
1.49% (F)
to 31.10.18
Melton Mowbray BS
01664 414141
1.50% (D)
Saffron BS
0800 072 1100
2.19% (D)
first direct
0800 482448
2.18% (F)
2 yrs
Max Fee LTV 95% £499
Redmptn Charge Until 1st 2 yrs
Provider
Contact
Rep APR
Amount per month
Total repaid
Ikano Bank
ikano.co.uk
3.2%
£180.37
£10,822.20
HSBC
0800 032 4735
3.3%
£180.80
£10,848.00
Nil To 31.10.18
M&S Bank
0800 363400
3.3%
£180.80
£10,848.00
Nil To 31.10.19
Cahoot
cahoot.com
3.4%
£181.14
£10,868.40
1st 2 yrs
Remortgages
2 yrs
Provider
Contact
3 yrs
65%
Nil
1st 3 yrs
Virgin Money
0800 389 2875 41 Mth BT CC M'C
0% 1st 41 mths
4.00%
20.9%
3 yrs
80%
Nil
1st 3 yrs
Halifax
0800 028 3258 40 Mth BT M'Card
0% 1st 40 mths
2.46%
18.9%
5 yrs
75%
NIl
1st 5 yrs
MBNA
mbna.co.uk
0% 1st 40 mths
2.47%
18.9%
Tesco Bank
0345 300 4278 Clubcard for BT M'C
0% 1st 39 mths
2.69%
18.9%
Sainsbury's Bank
0800 030 4418 Long BT M'Card
0% 1st 39 mths
2.89%
18.9%
0808 256 6876
Initial Rate 0.99%
to 31.8.18
Yorkshire BS
0345 120 0874
1.57%
to 31.10.18
85% £975 To 31.10.18
Provider
Contact
Fixed-cash Isas
Leek United BS
0845 219 0250
1.99%
to 31.10.18
90% £995 To 31.10.18
Sainsbury’s Bank
Provider
Leeds BS
0845 045 4049
1.95%
to 30.9.19
80% £999
Yorkshire BS
0345 120 0874
2.94%
to 31.10.19
Yorkshire Bank
Contact
Account
£500 1.22% £3,000 1.20% £10,000 1.20%
Min
AER
Shawbrook Bank
shawbrook.co.uk 5 Yr Fixed Isa Issue 3
£5,000 1.90%
Newcastle BS
0845 606 5522 5 Yr Fixed Rate Isa 14
£500 1.80%
Metro Bank
via branch
Principality BS
0845 045 0452 5 Yr Fixed Rate Isa 153
£500 1.75%
Leeds BS
0845 045 4048 5 Yr Fixed Rate Isa 58
£100 1.70%
5 Yr Fixed Rate Isa 3
Contact
Account
Halifax
0845 122 1348 Help to Buy: Isa
HSBC
Contact
first direct
0800 482448
West Brom BS
2.69%
to 30.11.21
85% £199 To 30.11.21
Leek United BS
0845 219 0250
2.89%
to 31.10.21
90% £995 To 31.10.21
£1 2.50%
Coventry BS
0800 121 8899
2.49%
to 30.9.26
65% £999
To 30.9.26
0808 256 6876
2.99%
to 31.8.26
80%
Nil
To 31.8.26
Redmptn Charge Until None
virginmoney.com Help to Buy: Isa 2
£1 2.50%
0800 400100
Help to Buy: Isa
£1 2.27%
Variable-rate mortgages
Buckinghamshire BS
01494 879500
Help to Buy: Isa 2
£1 2.25%
Aldermore
0345 604 2678 Help to Buy: Isa
£1 2.00%
Regular savings accounts via branch
12 Mth Fixed Members 3
West Brom BS
via branch
Santander
santander.co.uk Regular eSaver
Adults' Regular Saver 3
Nottingham BS
0844 481 4444 Go for Gold Saver
Leek United BS
via branch
Regular Savings
Min AER Mntly £10 3.50% F £10 3.30% F £0 3.00% V £1 3.00% V
Provider
Contact
Coventry BS Coventry BS
Max LTV 75%
Fee Nil
Period
0800 121 8899
Initial Rate 1.75%
term
Max Fee LTV 65% £999
0800 121 8899
1.89%
term
75% £999
None
Coventry BS
0800 121 8899
1.99%
term
85% £999
None
Coventry BS
0800 121 8899
2.19%
term
85% £499
None
Coventry BS
0800 121 8899
2.35%
term
90% £999
None
Introductory rate for purchases Introductory Term
Purch APR
0800 030 4418 Nectar Purchase MC
0% 1st 27 mths
18.9%
Post Office Money® postoffice.co.uk Matched MasterCard
0% 1st 27 mths
18.9%
0800 678 3320 Gold MasterCard
0% 1st 26 mths
18.9%
AA
0800 032 2004 Dual CC MasterCard
0% 1st 26 mths
18.9%
Barclaycard
0800 731 0200 Plat Purchase & BT MC
0% 1st 25 mths
18.9%
Product name
Cashback credit card Purchase APR 28.2% Intro 18.4%
Provider American Express
Contact Product name 0800 169 6767 Plat Cashback Amex
Santander
0800 389 9905 123 CC M'Card
ASDA Money
0871 704 3369 Credit Card M’Card
18.9%
AA
0800 032 2004 Fuelsave CC M’Card
22.4%
NewDay Ltd
aquacard.co.uk aqua Reward M'Card
34.9%
Period
Redmptn Charge Until To 31.7.18
Account Fee
AER **
Reward Current Account
None
£5 pm
0345 835 3863
Classic Plus
None
5%
Nationwide
0800 302 010
FlexDirect
None
5%
None
3%
£10 pm
3%
Provider
Contact
Account name
Halifax
0345 720 3040
TSB
95% £495 To 30.11.18
0800 077 8033
Halifax
0845 727 3747
3.74% (F)
to 30.11.18
Age 70
Post Office Money®
0800 077 8033
4.19% (F)
to 31.7.19
95%
Nil
To 31.7.19
Tesco Bank
tescobank.com
Current Account
95%
Nil
To 31.7.21
Nationwide
0800 302 010
FlexPlus
to 31.7.18
Max LTV 95%
Fee Nil
Provider
Contact
Canada Life
0845 300 3199
£2,111.28 £2,446.92 £2,811.24
Post Office Money®
0800 077 8033
4.48% (F)
to 31.7.21
Hodge Lifetime
0800 023 7233
£2,096.00 £2,416.00 £2,823.00
Halifax
0845 727 3747
4.54% (F)
to 30.11.21
AEGON
0845 601 5273
£1,971.00 £2,325.60 £2,702.52
Mortgages shown are based on true cost and may include incentives
Authorised overdrafts
Prudential
0808 234 5100
£1,981.06 £2,282.98 £2,577.86
Aviva
0845 944 4800
£1,890.46 £2,226.37 £2,629.24
National Savings & Investments
Provider
Contact
Account name
First Direct
0800 242 424
1st Account
M&S Bank
0800 756 7777 M&S Current Account
Post Office Money Ulster Bank
Notice or Term
Joint life Provider Canada Life Hodge Lifetime
Contact 0845 300 3199
Male: Age 60 Age 65 Age 70 Female: Age 55 Age 60 Age 65 £1,771.80 £1,964.52 £2,218.92
0800 023 7233
£1,731.00 £1,933.00 £2,172.00
Retirement Advantage 0800 912 9945
£1,715.40 £1,867.56 £1,984.68
Legal & General SAGA
£1,566.72 £1,806.72 £1,968.72 £1,575.12 £1,797.72 £1,979.28
0845 765 4465 0800 068 6228
Based on a pension pot of £50,000
Min
95% £495 To 30.11.21
AER
Interest Paid
Accounts and bonds NS&I Direct Saver
None
£1
0.80%
Yearly
Income Bonds
None
£500
1.00%
Monthly
Investment
None
£20
0.45%
Yearly
None
£1
1.00%
Yearly
5 Yr Bnd
£25
2.50%
Yearly
Tax-free products Direct Isa Children’s Bonds Iss 35
Cashback 1.25% standard 5%/3mth (max £125) 1%-3% depends on spend 0.50% standard 1% ASDA/petrol 0.5% Standard 2% or 4% on fuel 0.5% capped at £100 pa
Current accounts
Post Office Money®
Single life Age 65
Platinum 40 Mth
Initial Rate 3.74% (F)
Pension annuities
Contact
Transfer
Credit interest
Help-to-buy mortgage guarantee
£25 2.25% V Provider
Age 60
Period
Redmptn Charge Until 1st 5 yrs
0800 298 0008
Barclays Bank
Saffron BS
Nil To 31.10.19
for 5 years
AER
Provider
Virgin Money
Account
90%
To 30.9.19
Long-term fixed-rate mortgages
HSBC
Contact
Max Fee LTV 65% £1,499
Initial Rate 2.18%
Min
Provider
Period
£1 1.75%
Help-to-buy cash Isas Provider
Contact
Redmptn Charge Until To 31.8.18
Product name
Bal trans Purch Fee APR
80% £1,499 To 31.10.18
Short-term fixed-rate mortgages Provider
Introductory rate for balance transfers
Account Fee
EAR
Usage Fee
£10 pm***
15.9%
£0
None
15.9%
£0
postoffice.co.uk Standard Account
None
14.9%
£0
0800 046 6486 Standard Current Account
None 15.94%
£0
None
£0
The Co-operative Bank 0345 721 2212 Current Account
18.9%
Monthly funding requirements may apply * = Expected profit rate, this provider operates under islamic finance principles. ** = Based on funding of £1,000 pm. *** = Fee waived if minimum funding of £1,000 is met. F = Fixed rate. D = Discounted variable rate. V = Variable rate. Mortgages shown are based on true cost and may include incentives, for full details visit www.moneyfacts.co.uk
