Moneyfacts pick of the week

• Rate: 4.33% gross / 4.33% AER payable on maturity
• Notice / term: One year
• Minimum opening amount: £1,000
• Maximum investment amount: £1 million
• Access: Not permitted
• Further additions: Not permitted
• Opening account: By post and in branch
• Managing account: By post and in branch
• Other information: Simple interest. Minimum applicant age 18. Joint account option available. 0.10% loyalty bonus offered to existing Fixed Rate Deposit holders if they choose to reinvest into another Fixed Rate Deposit at maturity.

• Rate: 3.70% fixed for two years before reverting to 6.49%
• APRC: 6.1%
• Product fee: £490
• Maximum loan-to-value: 75%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

_{Representative Example: £250,000 mortgage over 25 years initially at 3.70% fixed for 24 months reverting to 6.49% variable for term. 24 monthly payments of £1278.53 and 276 monthly payments of £1657.94. Total amount payable £488,816.16 includes loan amount, interest of £238,276, valuation fees of £0 and product fees of £490. The overall cost for comparison is 6.1% APRC representative.}

• Rate: 3.79% fixed until 28 February 2031 before reverting to 7.50%
• APRC: 6.6%
• Product fee: £3,999
• Maximum loan-to-value: 75%
• Available to: Second-time buyers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

_{Representative Example: £170,000 mortgage over 25 years initially at 3.79% fixed for 61 months reverting to 7.50% variable for term. 61 monthly payments of £536.92 and 239 monthly payments of £1062.50. Total amount payable £460,833.62 includes loan amount, interest of £286,690, valuation fees of £0 and product fees of £3999. The overall cost for comparison is 6.6% APRC representative.}

• Credit interest / reward: 1.49% gross / 1.50% AER per annum on balances up to £4,000, 2.96% gross / 3.00% AER on balances between £4,000 - £5,000. No interest paid on balances over £5,000.
• Cashback on debit card purchases: Everyday offers – Earn up to 15% cashback from selected retailers when shopping with a Lloyds Bank credit or debit card. Customers must be registered for online banking and hold a Lloyds Bank current account to be eligible
• Account fee: £5. Account fee waived if account credited with at least £2,000 per month
• Arranged overdraft: 29.90% EAR, plus £100 interest-free buffer. Interest-free for three months on switched current accounts
• Opening account: Online, by phone, in branch or mobile app
• Managing account: Online, by phone, in branch, mobile app, by post, at the Post Office and text alerts
• Other information: Minimum applicant age 18. Eligible for linked Savings Pots. Customers can choose one lifestyle benefit each year from a 12-month Disney+ subscription, cinema tickets, magazine subscription, Gourmet Society membership or digital movie rentals.

_{Representative Example: Based on an overdraft limit of £1200. Up to £100.00 charged at 0.00% EAR Variable. Over £100.00 charged at 29.90% EAR Variable. Representative 33.2% APR variable.}

• Introductory rate for purchases: 0% for three months
• Introductory rate for balance transfers: 0% for 38 months
• Standard rate for purchases: 24.9% APR
• Balance transfer fee: 3.49% as an introductory charge during the first three months from account opening, rising to 5.00% (no min) thereafter
• Card fee: None
• Opening method: Online
• Card management: Online, in branch, by phone and via its mobile app
• Other information: Minimum age 18.

_{Representative Example: Based on a credit limit of £1200.00 charged at 24.95% variable per annum for purchases. Representative 24.9% APR variable.}

• Representative APR: 5.7%
• Loan period: Rate shown is based on a term of 60 months for a £7,500 borrowing
• Application available: Online and by phone
• Other information: Minimum age 21. Minimum Applicant Net Income £10,000 per year.

_{Representative Example: Based on a loan of £7,500 at 5.70% per annum fixed. Representative 5.7% APR. Total amount repayable £8,607.00 at £143.45 per month for 60 months.}