the times | Saturday January 1 2022 63
Money
National Savings & investments
Notice or Min AER Interest
Term Paid
Accounts and bonds
Green Bonds 3 Yr Bnd £100 0.65% Yearly
Direct Saver None £1 0.15% Yearly
Income Bonds None £500 0.15% MonthlyTax-free products
Junior Isa Age 18 £1 1.50% Yearly
Direct Isa None £1 0.10% YearlyCredit cards
Introductory rate for balance transfers
Bal transPurch
Provider Contact Product name Transfer Fee APR
Virgin Money 0800 389 2875 Balance Transfer CC MC 0% 1st 35 mths 2.94% 21.9%
M&S Bank 0800 997 996 BT Plus Offer MC 0% 1st 31 mths 1.99% 21.9%
Santander 0800 912 3123 Evrydy Long Term BT CC MC 0% 1st 31 mths 2.75% 20.9%
Sainsbury's Bank 0808 540 5060 Balance Transfer CC MC 0% 1st 30 mths 1.50% 19.9%
Tesco Bank 0345 300 4278 Clubcard CC BT MC 0% 1st 30 mths 2.60% 21.9%Introductory rate for purchases
Introductory Purch
Provider Contact Product name Term APR
Tesco Bank 0345 300 4278 Clubcard CC Purchases MC 0% 1st 23 mths 20.9%
Sainsbury's Bank 0808 540 5060 Dual Offer CC MC 0% 1st 23 mths 21.9%
M&S Bank 0800 997 996 Shopping Plus Offer MC 0% 1st 23 mths 21.9%
Barclaycard 0800 151 0900 Platinum All-Rounder Visa 0% 1st 22 mths 21.9%
MBNA Ltd 0345 606 2062 0% Tfr & Pur CC MC 0% 1st 22 mths 21.9%Current accounts
Credit interest
Account
Provider Contact Account name Fee Reward
Halifax 0345 720 3040 Reward Current Account None £5 pm C
TSB 0345 975 8758 Spend & Save None £5 pm B
Virgin Money 0800 678 3654 M Plus Account None 2.02%
Nationwide BS 0800 30 20 10 FlexDirect None 2% B
The Co-op Bank 0345 721 2212 Current Everyday Rewards None £1 pm CSavings
Easy access (without introductory bonus)
Provider Contact Account Min AER
Investec Bank plc via website Online Flexi Saver £5,000 0.71%
Shawbrook Bank via website Easy Access - 28 £1,000 0.67%
Paragon Bank via website Triple Access (5) £1 0.65%
Brown Shipley via website Raisin UK - Easy Access £1,000 0.61%
Buckinghamshire BS via branch Single Access Saver £100 0.60%
Long-term fixed rates
Provider Contact Account Min AER
QIB (UK) A via website Raisin UK - Fixed (5 yr) £1,000 2.10% F
Secure Trust Bank via website Fixed Bond (26.1.27) £1,000 2.10% F
Hodge Bank via website Fixed Rate Bond (5 yr) £1,000 2.08% F
Gatehouse Bank A via website Woodland Saver (5 yr) £1,000 2.05% F
UBL UK via website Fixed Deposit (5 yr) £2,000 2.05% F
Easy-access cash Isas
Provider Contact Account Min AER
Shawbrook Bank via website Easy Access Isa - 18 £1,000 0.67%
Cynergy Bank via website Online Isa (17) £1 0.65%
Paragon Bank via website Triple Access Isa (5) £1 0.65%
Skipton BS via website Isa Tracker 2 £1 0.60%
Marcus by Goldman Sachs® via website Cash Isa £1 0.60% B
Fixed-cash Isas
Provider Contact Account Min AER
Coventry BS via website Isa (153) (31.5.27) £1 1.75% F
West Brom BS via branch Fixed Isa (31.12.26) £1,000 1.75% F
UBL UK via website Fixed Isa (5 yr) £2,000 1.66% F
Furness BS via website Fixed Isa (5 yr) £1,000 1.65% F
United Trust Bank via post Isa Bond (7 yr) £15,000 1.65% F
Lifetime cash Isas
Provider Contact Account Min AER
Moneybox via website Cash Lifetime Isa £1 0.60% B
Paragon Bank via website Cash Lifetime Isa (3) £1 0.50%
Beehive Money via website Homebuyer Lifetime Isa £10 0.50%
Beehive Money via website Retirement Lifetime Isa £10 0.50%
Regular savings accounts
Provider Contact Account Min AER
Mntly
NatWest via website Digital Regular Saver £0 3.04% V
Royal Bank of Scotland via website Digital Regular Saver £0 3.04% V
Nationwide BS via website Flex Regular Saver £0 2.00% V
Newcastle BS via branch Regular Saver (3) £0 2.00% F
West Brom BS via branch Regular Saver (4) £10 2.00% F
Pension annuities
Single life
Provider Contact Age 60 Age 65 Age 70
Just 0345 302 2287 £1,975.68 £2,347.56 £2,680.08
Canada Life 0345 300 3199 £1,994.52 £2,324.04 £2,708.40
Legal & General 0345 765 4465 £1,937.40 £2,257.92 £2,668.68
Aviva 0800 015 5064 £1,793.22 £2,241.62 £2,582.42
Joint life
Provider Contact Male: Age 60 Age 65 Age 70
Female: Age 55 Age 60 Age 65
Canada Life 0345 300 3199 £1,665.12 £1,864.08 £2,127.48
Just 0345 302 2287 £1,607.16 £1,828.80 £2,019.24
Legal & General 0345 765 4465 £1,569.00 £1,811.52 £2,058.24
Aviva 0800 015 5064 £1,426.31 £1,731.42 £1,897.28
Based on a pension pot of £50,000
Personal loans
Fixed monthly repayment on £10,000 for 5 years
Rep Amount per Total
Provider Contact APR month repaid
Tesco Bank via website 2.8% £178.64 £10,718.40
TSB 0345 835 3861 2.8% £178.64 £10,718.40
MBNA Ltd via website 2.8% £178.64 £10,718.40
Santander 0800 028 4055 2.8% £178.64 £10,718.40
Borrowing rates and availability of products are subject to individual credit ratingsMortgages
First-time buyer mortgages
Redmptn
Provider Contact Initial Period Max Fee Charge
Rate LTV Until
Yorkshire BS 0345 120 0874 2.57%F to 29.2.24 95% - To 29.2.24
HSBC 0800 100802 2.59%F to 30.4.24 95% - To 30.4.24
Nationwide BS 0800 302010 2.89%F for 3 years 95% - 1st 3 yrs
Hanley Economic BS 01782 255000 2.90%F to 29.3.27 95% - To 29.3.27
Yorkshire BS 0345 120 0874 2.90%F to 28.2.27 95% - To 28.2.27Remor tgages
Redmptn
Provider Contact Initial Period Max Fee Charge
Rate LTV Until
Barclays Mortgage 0333 202 7580 1.49% F to 29.2.24 60% - To 29.2.24
Yorkshire BS 0345 120 0874 1.52% F to 29.2.24 80% £495 To 29.2.24
TSB 03459 758758 1.09% F to 28.2.25 75% £995 To 28.2.25
Yorkshire BS 0345 120 0874 1.96% F to 28.2.27 85% £495 To 28.2.27
first direct 0800 482448 2.34% V for term 75% £490 NoneShort-term fixed-rate mortgages
Redmptn
Provider Contact Initial Period Max Fee Charge
Rate LTV Until
Barclays Mortgage 0333 202 7580 1.39% to 29.2.24 60% - To 29.2.24
Santander 0800 100802 1.49% to 2.4.24 75% - To 2.4.24
Santander 0800 100802 1.74% to 2.4.24 90% £749 To 2.4.24
TSB 03459 758758 1.29% to 28.2.25 75% £995 To 28.2.25
Nationwide BS 0800 302010 1.74% for 3 years 90% £999 1st 3 yrsLong-term fixed-rate mortgages
Redmptn
Provider Contact Initial Period Max Fee Charge
Rate LTV Until
Nationwide BS 0800 302010 1.35% for 5 years 60% £999 1st 5 yrs
Yorkshire BS 0345 120 0874 1.96% to 28.2.27 85% £495 To 28.2.27
TSB 03459 758758 2.34% to 28.2.27 75% £995 To 28.2.27
Yorkshire BS 0345 120 0874 1.94% to 29.2.32 75% £995 To 29.2.32
Virgin Money 0330 057 1701 1.95% to 1.4.32 65% £995 To 1.4.32
Variable-rate mortgages
Redmptn
Provider Contact Initial Period Max Fee Charge
Rate LTV Until
first direct 0800 482448 2.34% term 75% £490 None
first direct 0800 482448 2.49% term 75% - None
Bank of China (UK) 0800 389 5566 2.74% term 80%£1,295 1st yr
first direct 0800 482448 2.79% term 80% £490 None
first direct 0800 482448 3.44% term 90% £490 None
Buy-to-let mortgages
Redmptn
Provider Contact Initial Period Max Fee Charge
Rate LTV Until
Principality BS 0330 333 4002 1.60% D to 30.4.24 75% - To 30.4.24
Mansfield BS 01623 676345 2.79% D for 3 years 75%£1,499 1st 3 yrs
HSBC 0800 028 3844 1.69% F to 30.4.24 60% - To 30.4.24
Virgin Money 0330 057 1701 1.38% F to 1.4.25 75%£1,995 To 1.4.25
NatWest 0800 587 6599 1.79% F to 30.4.27 75% £995 To 30.4.27
The selections above are based on a combination of initial rate, fee and incentive availableBest buys
Cashback credit card
Purchase
Provider Contact Product name APR Cashback
American Express 0800 917 8047 Platinum Cashback 29.8% 0.75% - 1.25% standard
Intro 5%/3mth (max £125)
American Express 0800 917 8047Plat Cashback Everyday 24.5% 0.50% - 1.00% standard
Intro 5%/3mth (max £100)
Santander 0800 912 3123 All in One CC M'card 23.7%Standard 0.50% on spend
over £1 per month
Halifax 0345 944 4555 Cashback CC MC 19.9%Standard 0.25% - 0.50% on
spend over £1 per year
Lloyds Bank 0345 602 1997 Cashback CC MC 19.9%Standard 0.25% - 0.50% on
spend over £1 per year
Borrowing rates and availability subject to credit ratings. Terms apply to cashbackData supplied byArranged overdrafts
Account 0% OD
Provider Contact Account name Fee EAR Limit
Starling Bank via website Current Account None 15% £0
first direct 0345 600 2424 1st Account None 39.9% £250
Virgin Money 0800 678 3654 M Plus Account None 19.9% £0
Lloyds Bank 0800 015 4000 Club Lloyds £3pm 27.5% £50
TSB 0345 975 8758 Spend & Save Plus £3pm 39.9% £100
Current account interest rates paid up to a specified level, terms may apply to qualify for
rates shown. A = Introductory rate for a limited period. B = Paid net of income tax.
C = Paid net of income tax. F = Fixed rate. D = Discounted variable rate. V = Variable rate.
All savings rates are shown as AER variable unless otherwise stated. Methods of opening
and operating accounts will vary. All rates and terms are subject to change without notice.
No liability accepted for any loss arising from the use of, or reliance upon, this information.
Readers who are not financial professionals should seek expert advice.
Visit moneyfacts.co.uk for full details