the times | Saturday April 9 2022 67
Money
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
HSBC 0345 7404 404 Balance Transfer CC V 0% 1st 33 mths 2.70% 21.9%
M&S Bank 0800 997996 Transfer Plus Offer MC 0% 1st 32 mths 1.99% 21.9%
Sainsbury's Bank 0808 540 5060 Balance Transfer CC MC 0% 1st 32 mths 2.24% 21.9%
Tesco Bank 0345 300 4278 Clubcard CC BT MC 0% 1st 32 mths 2.59% 21.9%
Halifax 0345 944 4555 Longest 0% BT CC MC 0% 1st 32 mths 2.89% 21.9%Introductory rate for purchases
Introductory Purch
Provider Contact Product name Term APR
Barclaycard 0800 151 0900 Plat All-Rounder Visa 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 Reward
Halifax 0345 720 3040 Reward Current Account None £5 pm B
TSB 0345 975 8758 Spend & Save None £5 pm C
Virgin Money 0800 678 3654 M Plus Account None 2.02%
Nationwide BS 0800 30 20 10 FlexDirect None 2% C
The Co-op Bank 0345 721 2212 Current Everyday Rewards None £1 pm BSavings
Easy access (without introductory bonus)
Provider Contact Account Min AER
Chase via website The Chase Saver £1 1.50%
Tandem Bank via website Green Instant Saver £1 1.10%
Al Rayan Bank A via website Everyday Saver (2) £2,500 1.01%
Zopa via website Smart Saver £1 1.00%
Virgin Money via website M Plus Saver £1 1.00%
Long-term fixed rates
Provider Contact Account Min AER
Gatehouse Bank A via website Woodland Saver (5 yr) £1,000 2.50% F
Secure Trust Bank via website Fixed Bond (10.5.27) £1,000 2.40% F
Monument Bank via website Fixed Deposit (5 yr) £25,000 2.40% F
Oxbury Bank via website Bond - Issue 3 (5 yr) £1,000 2.35% F
PCF Bank via website Term Deposit 26 (5 yr) £1,000 2.35% F
Easy-access cash Isas
Provider Contact Account Min AER
Shawbrook Bank via website Easy Access Isa - 20 £1,000 0.92%
Nationwide BS via website 1 Yr Triple Isa 12 £1 0.80%
Skipton BS via website Online Bonus Isa 13 £1 0.80% B
Ecology Building Society via website Ecology Cash Isa £25 0.80%
Melton BS via branch Easy Access Isa £25 0.80%
Fixed cash Isas
Provider Contact Account Min AER
Gatehouse Bank A via website Woodland Isa (5 yr) £1,000 2.10% F
State Bank of India via website Isa Fixed (5 yr) £5,000 2.00% F
United Trust Bank via post Isa Bond (7 yr) £15,000 2.00% F
United Trust Bank via post Isa Bond (5 yr) £15,000 1.95% F
Buckinghamshire BS via branch Fixed Isa 116 (28.2.27) £100 1.90% 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%
Skipton BS via website Online Lifetime Isa 4 £1 0.50%
Paragon Bank via website Cash Lifetime Isa (3) £1 0.50%
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
Saffron BS via website Small Saver (3) £1 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
Canada Life 0345 300 3199 £2,242.80 £2,588.28 £3,026.64
Legal & General 0345 765 4465 £2,254.44 £2,579.04 £2,978.76
Aviva 0800 015 5064 £2,053.48 £2,549.11 £2,877.50
Just 0345 302 2287 £2,117.16 £2,476.68 £2,824.32
Joint life
Provider Contact Male: Age 60 Age 65 Age 70
Female: Age 55 Age 60 Age 65
Canada Life 0345 300 3199 £1,915.20 £2,129.40 £2,443.08
Legal & General 0345 765 4465 £1,861.44 £2,099.40 £2,324.04
Aviva 0800 015 5064 £1,637.29 £1,971.12 £2,138.31
Just 0345 302 2287 £1,734.24 £1,942.32 £2,156.88
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
Novuna 0344 375 5500 2.7% £178.21 £10,692.60
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
Borrowing rates and availability are subject to credit ratingsMortgages
First-time buyer mortgages
Redmptn
Provider Contact Initial Period Max Fee charge
Rate LTV until
Barclays Mortgage 0333 202 7580 2.63%F to 31.5.24 95% - To 31.5.24
Nationwide BS 0800 302010 2.79%F for 2 years 95% - 1st 2 yrs
Nationwide BS 0800 302010 2.64%F for 3 years 95% £999 1st 3 yrs
Nationwide BS 0800 302010 2.79%F for 3 years 95% - 1st 3 yrs
Coventry BS 0800 121 8899 2.99%F to 31.8.27 95% - To 31.8.27Remor tgages
Redmptn
Provider Contact Initial Period Max Fee charge
Rate LTV until
Newcastle BS 0345 606 4488 1.75% F to 29.2.24 80% £999 To 29.2.24
Cumberland BS 01228 403 141 1.95% F to 1.7.24 75% £999 To 1.7.24
Nationwide BS 0800 302010 2.14% F for 3 years 75% £999 1st 3 yrs
Cumberland BS 01228 403 141 2.08%F to 1.7.27 85% £999 To 1.7.27
first direct 0800 482448 2.69% V for term 75% £490 NoneShort-term fixed-rate mortgages
Redmptn
Provider Contact Initial Period Max Fee charge
Rate LTV until
Cumberland BS 01228 403 141 1.95% to 1.7.24 75% £999 To 1.7.24
Barclays Mortgage 0333 202 7580 2.19% to 31.5.24 60% - To 31.5.24
Cumberland BS 01228 403 141 2.04% to 1.7.24 90% £999 To 1.7.24
Nationwide BS 0800 302010 2.09% for 3 years 75% £999 1st 3 yrs
Nationwide BS 0800 302010 2.19% for 3 years 90% £999 1st 3 yrsLong-term fixed-rate mortgages
Redmptn
Provider Contact Initial Period Max Fee charge
Rate LTV until
Cumberland BS 01228 403 141 2.03% to 1.7.27 75% £999 To 1.7.27
Cumberland BS 01228 403 141 2.08% to 1.7.27 85% £999 To 1.7.27
Cumberland BS 01228 403 141 2.29% to 1.7.27 90% £999 To 1.7.27
Nationwide BS 0800 302010 2.09% for 10 years 60% £999 1st 10 yrs
Halifax 0345 727 3747 2.28% to 31.5.32 75% £995 To 31.5.32
Variable-rate mortgages
Redmptn
Provider Contact Initial Period Max Fee Charge
Rate LTV Until
first direct 0800 482448 2.69% term 75% £490 None
first direct 0800 482448 2.84% term 75% - None
first direct 0800 482448 3.14% term 80% £490 None
Bank of China (UK) 0800 389 5566 3.24% term 80%£1,295 1st yr
first direct 0800 482448 3.79% term 90% £490 None
Buy-to-let mortgages
Redmptn
Provider Contact Initial Period Max Fee charge
Rate LTV until
Principality BS 0330 333 4002 1.80% D to 31.8.24 75% - To 31.8.24
Mansfield BS 01623 676345 2.54% D for 3 years 75%£1,499 1st 3 yrs
Leeds BS 0345 045 4049 1.92% F to 31.7.24 60% £999 To 31.7.24
Virgin Money 0330 057 1701 2.20% F to 1.8.25 75%£1,995 To 1.8.25
Leek United BS 0330 333 4002 2.40% F to 31.7.27 75% £995 To 31.7.27
The selections above are based on a combination of initial rate, fee and incentive availableBest buys
Cashback credit card
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 8047 Plat Cash 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 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 = 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