50 1GM Saturday August 27 2016 | the times

Money

National Savings & Investments

Notice or Min AER InterestTerm Paid

Accounts and bondsNS&I Direct Saver None £1 0.80% Yearly

Income Bonds None £500 1.00% Monthly

Investment None £20 0.45% Yearly

Tax-free productsDirect Isa None £1 1.00% Yearly

Children’s Bonds Iss 35 5 Yr Bnd £25 2.50% Yearly

Credit cards

Introductory rate for balance transfersBal trans Purch

Provider Contact Product name Transfer Fee APR

Halifax 0800 028 3258 41 Mth BT M'Card 0% 1st 41 mths 3.50% 18.9%

Virgin Money 0800 389 2875 41 Mth BT CC M'C 0% 1st 41 mths 4.00% 20.9%

Bank of Scotland 0800 328 5984 Plat 40 Mth BT M'C 0% 1st 40 mths 2.41% 18.9%

Tesco Bank 0345 300 4278 Clubcard for BT M'C 0% 1st 40 mths 2.69% 18.9%

MBNA mbna.co.uk Platinum 40 Mth 0% 1st 40 mths 2.79% 18.9%

Introductory rate for purchasesIntroductory Purch

Provider Contact Product name Term APR

Sainsbury’s Bank 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%

Yorkshire Bank 0800 678 3320 Gold MasterCard 0% 1st 26 mths 18.9%

AA 0345 600 5606 Dual CC MasterCard 0% 1st 26 mths 18.9%

Barclaycard 0800 731 0200 Plat Purchase & BT MC 0% 1st 25 mths 18.9%

Current accounts

Credit interestAccount

Provider Contact Account name Fee AER **

Halifax 0345 720 3040 Reward Current Account None £5 pm

TSB 0345 835 3863 Classic Plus None 5%

Nationwide 0800 302 010 FlexDirect None 5%

Tesco Bank tescobank.com Current Account None 3%

Nationwide 0800 302 010 FlexPlus £10 pm 3%

Authorised overdraftsAccount Usage

Provider Contact Account name Fee EAR Fee

First Direct 0800 242 424 1st Account£10

pm***15.9% £0

M&S Bank 0800 756 7777 M&S Current Account None 15.9% £0

Post Office Money postoffice.co.uk Standard Account None 14.6% £0

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

The Co-operative Bank 0345 721 2212 Current Account None 18.9% £0

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 are based on true cost and may include incentives, visit www.moneyfacts.co.uk

Savings

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

RCI Bank UK rcibank.co.uk Freedom Savings £100 1.20%

ICICI Bank UK via branch SuperSaver Savings £1 1.15%

National Counties BS ncbs.co.uk 2nd Issue Capital Saver £500 1.11%

Shawbrook Bank shawbrook.co.uk Easy Access - Issue 6 £1,000 1.10%

Investec Bank plc investec.co.uk E-asy Access Account £25,000 1.10%

Long-term fixed rates

Provider Contact Account Min AER

BLME blme.com Premier Deposit (5 yr) £25,000 2.20%

BLME blme.com Premier Deposit (7 yr) £25,000 2.20%

Union Bank of India (UK) Ltd 0207 332 4250 Term Deposit (5 yr) £1,000 2.00%

Aldermore 0345 604 2678 £1,000 2.00%

Yorkshire Bank via branch Retail (5 yr) £2,000 2.00%

Easy-access cash IsasProvider Contact Account Min AER

Melton Mowbray BS 01664 414141 Cash Isa £25 1.25%

Penrith BS 01768 863675 Isa Issue 2 £100 1.25%

Family Building Society 03330 140141 Tracker Cash Nisa 1 £500 1.22%

Hanley Economic BS 01782 255000 Cash Isa Instant Access £3,000 1.20%

National Counties BS 0845 603 4876 2nd Issue Cash Nisa £1 1.11%

Fixed-cash IsasProvider Contact Account Min AER

Metro Bank via branch 5 Yr Fixed Rate Isa 3 £1 1.75%

Shawbrook Bank shawbrook.co.uk 5 Yr Fixed Isa Issue 4 £5,000 1.70%

Principality BS 0845 045 0452 5 Yr Fixed Rate Isa 156 £500 1.55%

Julian Hodge Bank 0800 840 2810 5 Yr Fixed Rate Isa £5,000 1.55%

Metro Bank via branch 3 Yr Fixed Rate Isa 3 £1 1.50%

Help-to-buy cash Isas

Provider Contact Account Min AER

Virgin Money virginmoney.com Help to Buy: Isa 2 £1 2.50%

Barclays Bank 0800 400100 Help to Buy: Isa £1 2.27%

Buckinghamshire BS 01494 879500 Help to Buy: Isa 2 £1 2.25%

Nationwide BS nationwide.co.uk Help to Buy: Isa £1 2.00%

NatWest 0800 200 400 Help to Buy: Isa £1 2.00%

Regular savings accountsProvider Contact Account Min AER

MntlySaffron BS via branch 12 Mth Fixed Members 3 £10 3.50% F

West Brom BS via branch Adults' Regular Saver 3 £10 3.30% F

Kent Reliance via branch Regular Saving Issue 2 £25 3.25% V

Santander santander.co.uk Regular eSaver £0 3.00% V

Nottingham BS 0844 481 4444 Go for Gold Saver £1 3.00% V

Pension annuities

Single lifeProvider Contact Age 60 Age 65 Age 70

Canada Life 0845 300 3199 £1,995.72 £2,332.08 £2,697.24

Prudential 0808 234 5100 £1,981.06 £2,282.98 £2,577.86

Hodge Lifetime 0800 023 7233 £1,946.00 £2,266.00 £2,674.00

AEGON 0845 601 5273 £1,899.00 £2,241.00 £2,604.60

Retirement Advantage 0800 912 9945 £1,900.20 £2,136.48 £2,339.28

Joint lifeProvider Contact Male: Age 60 Age 65 Age 70

Female: Age 55 Age 60 Age 65Canada Life 0845 300 3199 £1,657.20 £1,851.96 £2,108.16

Retirement Advantage 0800 912 9945 £1,638.72 £1,806.72 £1,913.04

Prudential 0808 234 5100 £1,629.83 £1,788.14 £1,973.82

Hodge Lifetime 0800 023 7233 £1,584.00 £1,787.00 £2,029.00Aviva 0845 944 4800 £1,542.09 £1,713.68 £1,941.62

Based on a pension pot of £50,000

Mortgages

First-time buyer mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Mansfield BS 01623 676345 3.19% (D) 2 yrs 95% £499 1st 2 yrs

Hanley Economic BS 01782 255000 3.29% (D) 2 yrs 95% Nil 1st 2 yrs

Yorkshire BS 0345 120 0874 3.69% (F) to 31.10.18 95% Nil To 31.10.18

Yorkshire BS 0345 120 0874 4.08% (F) to 31.10.19 95% Nil To 31.10.19

Saffron BS 0800 072 1100 3.97% (F) to 30.9.21 95% £495 To 30.9.21

RemortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Furness BS 0800 220568 1.40% (D) 2 yrs 80% £999 None

Leeds BS 0845 045 4049 1.60%(F) to 31.10.18 80% £999 To 31.10.18

Melton Mowbray BS 01664 414141 1.50% (D) 3 yrs 65% Nil 1st 3 yrs

Saffron BS 0800 072 1100 2.19% (D) 3 yrs 80% Nil 1st 3 yrs

first direct 0800 482448 2.18% (F) 5 yrs 75% NIl 1st 5 yrs

Short-term fixed-rate mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

HSBC 0808 256 6876 0.99% to 31.10.18 65%£1,499 To 31.10.18

Yorkshire BS 0345 120 0874 1.57% to 31.10.18 85% £975 To 31.10.18

Leek United BS 0845 219 0250 1.99% to 31.10.18 90% £995 To 31.10.18

Newcastle BS 0345 606 5148 1.88% to 31.10.19 80% £999 To 31.10.19

Loughborough BS 01509 631950 2.69% for 3 years 90% £499 1st 3 yrs

Long-term fixed-rate mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

first direct 0800 482448 2.18% for 5 years 75% Nil 1st 5 yrs

Coventry BS 0800 121 8899 2.45% to 30.9.21 85% £999 To 30.9.21

Leek United BS 0845 219 0250 2.89% to 31.10.21 90% £995 To 31.10.21

Coventry BS 0800 121 8899 2.49% to 30.9.26 65% £999 To 30.9.26

HSBC 0808 256 6876 2.99% to 31.10.26 80% Nil To 31.10.26

Variable-rate mortgagesRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Coventry BS 0800 121 8899 1.65% term 65% £999 None

Coventry BS 0800 121 8899 1.69% term 75% £999 None

Coventry BS 0800 121 8899 1.89% term 85% £999 None

Coventry BS 0800 121 8899 2.09% term 85% £499 None

Coventry BS 0800 121 8899 2.35% term 90% £999 None

Help-to-buy mortgage guaranteeRedmptn

Provider Contact Initial Period Max Fee ChargeRate LTV Until

Post Office Money® 0800 077 8033 3.74% (F) to 31.7.18 95% Nil To 31.7.18

Halifax 0845 727 3747 3.94% (F) to 30.11.18 95% £495 To 30.11.18

Post Office Money® 0800 077 8033 4.19% (F) to 31.7.19 95% Nil To 31.7.19

Post Office Money® 0800 077 8033 4.48% (F) to 31.7.21 95% Nil To 31.7.21

Halifax 0845 727 3747 4.64% (F) to 30.11.21 95% £495 To 30.11.21

Mortgages shown are based on true rate and may include incentives

Personal loans

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

Rep Amount per TotalProvider Contact APR month repaid

Ikano Bank ikano.co.uk 3.2% £180.37 £10,822.20

HSBC 0800 032 4735 3.3% £180.80 £10,848.00

M&S Bank 0800 363400 3.3% £180.80 £10,848.00

Sainsbury's Bank 0800 169 8503 3.3% £180.80 £10,848.00

Minimum income restrictions may apply. APR may be dependent on credit rating.

Money best buys

Cashback credit cardPurchase

Provider Contact Product name APR CashbackAmerican Express 0800 169 6767 Plat Cashback Amex 28.2% 1.25% standard

Intro 5%/3mth (max £125)

Santander 0800 389 9905123 Credit Card M'Card

18.4% 1%-3% depends

on spendASDA Money 0371 704 3369 Credit Card M’Card 18.9% 0.50% standard

1% ASDA supermkt/pet-rol

AA 0345 600 5606 Fuelsave CC M’Card 22.4% 0.5% Standard 2% or 4% on fuel

NewDay Ltd aquacard.co.uk aqua Reward M'Card 34.9% 0.5% cappedat £100 pa

Data supplied by