the times | Saturday May 28 2022 71
Money
Data supplied by
National Savings & investments
Notice or Min AER Interest
Term Paid
Accounts and bonds
Green Bonds 2 3 Yr Bnd £100 1.30% Yearly
Direct Saver None £1 0.50% Yearly
Income Bonds None £500 0.50% MonthlyTax free products
Junior Isa Age 18 £1 1.50% Yearly
Direct Isa None £1 0.35% 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 34 mths 2.70% 21.9%
Halifax 0345 944 4555 Longest BT CC MC 0% 1st 34 mths 2.89% 21.9%
Tesco Bank 0345 300 4278 Clubcard CC BT MC 0% 1st 33 mths 2.59% 21.9%
Santander 0800 912 3123 Everyday Long Term MA 0% 1st 33 mths 2.65% 21.9%
HSBC 0345 7404 404 Balance Transfer CC V 0% 1st 33 mths 2.70% 21.9%Introductory rate for purchases
Introductory Purch
Provider Contact Product name Term APR
Barclaycard 0800 151 0900 Platinum All-Rounder V 0% 1st 24 mths 21.9%
Sainsbury's Bank 0808 540 5060 Dual Offer CC MC 0% 1st 24 mths 21.9%
M&S Bank 0800 997 996 Shopping Plus Offer MC 0% 1st 24 mths 21.9%
Tesco Bank 0345 300 4278 Clubcard CC Purchases MC 0% 1st 23 mths 20.9%
HSBC 0345 7404 404 Purchase Plus CC Visa 0% 1st 23 mths 22.9%Current accounts
Credit interest
Account
Provider Contact Account name Fee AER
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
Chase via website The Chase Saver £1 1.50%
Al Rayan Bank A via website Everyday Saver (2) £2,500 1.31%
Ford Money via website Flexible Saver £1 1.30%
Gatehouse Bank A via website Easy Access £1,000 1.30%
Yorkshire Building Society via website Internet Saver Plus 11 £10,000 1.26%
Long-term fixed rates
Provider Contact Account Min AER
Shawbrook Bank via website Fixed Bond 12 (7 yr) £1,000 2.90% F
Tandem Bank via website Fixed Saver (5 yr) £1 2.85% F
Hodge Bank via website Fixed Bond (5 yr) £1,000 2.83% F
Shawbrook Bank via website Fixed Bond 40 (5 yr) £1,000 2.80% F
Ikano Bank via website Fixed Saver (5 yr) £1,000 2.80% F
Easy access cash Isas
Provider Contact Account Min AER
Marcus by Goldman Sachs® via website Cash Isa £1 1.15% B
SAGA via website Saga Cash Isa £1 1.15% B
Cynergy Bank via website Online Isa (Issue 22) £1 1.05%
Ford Money via website Flexible Cash Isa £1 1.00%
Nationwide BS via website 1 Yr Triple Isa 13 £1 1.00%
Fixed cash Isas
Provider Contact Account Min AER
United Trust Bank via website Isa Bond (7 yr) £15,000 2.40% F
United Trust Bank via website Isa Bond (5 yr) £15,000 2.35% F
Gatehouse Bank A via website Woodland Isa (5 yr) £1,000 2.30% F
United Trust Bank via website Isa Bond (4 yr) £15,000 2.30% F
Gatehouse Bank A via website Woodland Isa (4 yr) £1,000 2.28% F
Lifetime cash Isas
Provider Contact Account Min AER
Moneybox via website Cash Lifetime Isa £1 0.85% B
Beehive Money via website Homebuyer Lifetime Isa £1 0.80%
Beehive Money via website Retirement Lifetime Isa £1 0.80%
Paragon Bank via website Cash Lifetime Isa (3) £1 0.70%
Skipton BS via website Online Lifetime Isa 4 £1 0.60%
Regular savings accounts
Provider Contact Account Min AER
Mntly
NatWest via website Digital Regular Saver £0 3.30% V
Royal Bank of Scotland via website Digital Regular Saver £0 3.30% V
Nationwide BS via website Flex Regular Saver £0 2.50% V
West Brom BS via branch Regular Saver (4) £10 2.00% F
TSB via website Monthly Saver £25 2.00% F
Pension annuities
Single life
Provider Contact Age 60 Age 65 Age 70
Canada Life 0345 300 3199 £2,412.84 £2,755.80 £3,193.20
Legal & General 0345 765 4465 £2,405.16 £2,722.92 £3,126.72
Aviva 0800 015 5064 £2,190.11 £2,644.48 £2,986.80
Just 0345 302 2287 £2,233.80 £2,594.04 £2,958.72
Joint life
Provider Contact Male: Age 60 Age 65 Age 70
Female: Age 55 Age 60 Age 65
Canada Life 0345 300 3199 £2,086.20 £2,296.80 £2,608.08
Legal & General 0345 765 4465 £1,999.56 £2,239.56 £2,436.00
Aviva 0800 015 5064 £1,761.97 £2,053.50 £2,258.42
Just 0345 302 2287 £1,793.40 £2,007.96 £2,244.00
Based on a pension pot of £50,000
Personal loans
Fixed monthly repayment on £10,000 for 5 years
(without insurance)
Rep Amount per Total
Provider Contact APR month repaid
Tesco Bank via website 2.8% £178.64 £10,718.40
Santander via website 2.8% £178.64 £10,718.40
Cahoot via website 2.8% £178.64 £10,718.40
M&S Bank via website 2.8% £178.64 £10,718.40
Borrowing rates and availability of products are subject to individual credit ratings.Mortgages
First time buyer mortgages
Redmptn
Provider Contact Initial Period Max Fee charge
Rate LTV until
Coventry BS 0800 121 8899 3.19%F to 31.10.24 95% - To 31.10.24
Nationwide BS 0800 302010 3.24%F for 2 years 95% - 1st 2 yrs
Nationwide BS 0800 302010 3.24%F for 3 years 95% - 1st 3 yrs
TSB 03459 758 758 3.04%F to 31.8.27 95% £995 To 31.8.27
Skipton BS 0800 446776 3.31%F to 31.7.27 95% - To 31.7.27Remor tgages
Redmptn
Provider Contact Initial Period Max Fee charge
Rate LTV until
Yorkshire BS 0345 120 0874 2.60% F to 31.7.24 75% £495 To 31.7.24
Cambridge BS 0345 601 3344 2.49% F for 2 years 80% - 1st 2 yrs
Yorkshire BS 0345 120 0874 2.65% F to 31.7.25 75% £495 To 31.7.25
Lloyds Bank 0800 783 3534 2.58% F to 31.8.27 85% £999 To 31.8.27
first direct 0800 482448 2.94% V for term 75% £490 NoneShort-term fixed-rate mortgages
Redmptn
Provider Contact Initial Period Max Fee charge
Rate LTV until
Cambridge BS 0345 601 3344 2.49% for 2 years 80% - 1st 2 yrs
Yorkshire BS 0345 120 0874 2.60% to 31.7.24 75% £495 To 31.7.24
Cambridge BS 0345 601 3344 2.69% for 2 years 90% - 1st 2 yrs
Yorkshire BS 0345 120 0874 2.65% to 31.7.25 75% £495 To 31.7.25
Virgin Money 0330 057 1701 2.89% To 1.10.25 90% - To 1.10.25Long-term fixed-rate mortgages
Redmptn
Provider Contact Initial Period Max Fee charge
Rate LTV until
first direct 0800 482448 2.54% for 5 years 60% £490 1st 5 yrs
Yorkshire BS 0345 120 0874 2.65% to 31.7.27 75% £495 To 31.7.27
first direct 0800 482448 2.79% for 5 years 90% £490 1st 5 yrs
Halifax 0345 727 3747 2.48% to 31.8.32 60% £995 To 31.8.32
Halifax 0345 727 3747 2.58% to 31.8.32 75% £995 To 31.8.32
Variable-rate mortgages
Redmptn
Provider Contact Initial Period Max Fee Charge
Rate LTV Until
first direct 0800 482448 2.94% term 75% £490 None
first direct 0800 482448 3.09% term 75% - None
first direct 0800 482448 3.39% term 80% £490 None
Bank of China (UK) 0800 389 5566 3.49% term 80%£1,295 1st yr
first direct 0800 482448 4.04% term 90% £490 None
Buy-to-let Mortgages
Redmptn
Provider Contact Initial Period Max Fee Charge
Rate LTV Until
Principality BS 0330 333 4002 1.90% D to 30.9.24 75% - To 30.9.24
Mansfield BS 01623 676345 2.54% D for 3 years 75%£1,499 1st 3 yrs
Virgin Money 0330 057 1701 2.20% F to 1.10.24 60%£1,995 To 1.10.24
Virgin Money 0330 057 1701 2.36% F to 1.10.25 75%£1,995 To 1.10.25
HSBC 0800 028 3844 2.49% F to 31.7.27 75%£1,999 To 31.7.27
The selections above are based on a combination of initial rate, fee and incentive available.Best buys
Cashback credit card
Purchase
Provider Contact Product name APR Cashback
American Express 0800 917 8047 Platinum Cashback 30.0% 0.75%-1.25% standard
Intro 5%/3mth (max £125)
American Express 0800 917 8047Plat Cashback Everyday 24.7% 0.50%-1.00% standard
Intro 5%/3mth (max £100)
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
Barclaycard 0800 151 0900 Rewards Visa 22.9% Standard 0.25% on
spend over £1 per year
Borrowing rates and products are subject to credit ratings. Terms apply to all cashback.Arranged overdrafts
Account 0% OD
Provider Contact Account name Fee EAR Limit
Starling Bank via website Current Account None 15.0% £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 = Provider operates under Islamic finance principles, rate shown is expected
profit rate. B =Introductory rate. 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