Moneyfacts pick of the week

• Rate: 4.76% gross / 4.76% AER payable yearly, monthly interest option of 4.66% gross / 4.76% AER also available
• Notice / term: One year
• Minimum opening amount: £10,000
• Maximum investment amount: £250,000
• Access: Not permitted
• Further additions: Permitted, for 15 days from account opening.
• Opening account: Online
• Managing account: Online, by phone, by post and in branch
• Other information: Minimum applicant age 16. Joint account option available. 

• Rate: 4.57% fixed for five years before reverting to 6.49%
• APRC: 5.8%
• Product fee: None
• Maximum loan-to-value: 85%
• Available to: Second-time buyers
• Incentives: Free valuation. £250 Green Reward for properties with an EPC score of 86 to 91, or £500 Green Reward for properties with an EPC score of 92+ 
• Flexible features: Allows overpayments, up to limit of 10%. Underpayments considered subject to approval and overpayments having been made
• Lending area: Great Britain and Northern Ireland (excluding Scilly Isles)

_{Representative Example: £250,000 mortgage over 25 years initially at 4.57% fixed for 60 months reverting to 6.49% variable for term. 60 monthly payments of £1399.53 and 240 monthly payments of £1638.24. Total amount payable £477,199.40 includes loan amount, interest of £227,149, valuation fees of £0 and product fees of £0. The overall cost for comparison is 5.8% APRC representative.}

• Rate: 5.11% fixed until 30 September 2028 before reverting to 5.74%
• APRC: 5.8%
• Product fee: None
• Maximum loan-to-value: 95%
• Available to: First-time buyers
• Incentives: Free valuation
• Flexible features: Allows overpayments, up to limit of 10%
• Lending area: Great Britain and Northern Ireland

_{Representative Example: £200,000 mortgage over 25 years initially at 5.11% fixed for 26 months reverting to 5.74% variable for term. 26 monthly payments of £1182.03 and 274 monthly payments of £1251.97. Total amount payable £373,902.56 includes loan amount, interest of £173,773, valuation fees of £0 and product fees of £0. The overall cost for comparison is 5.8% APRC representative.}

• Rate: 4.81% fixed until 31 December 2031 before reverting to 6.54%
• APRC: 6.1%
• Product fee: None
• Maximum loan-to-value: 65%
• Available to: Second-time buyers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain

_{Representative Example: £170,000 mortgage over 25 years initially at 4.81% fixed for 65 months reverting to 6.54% variable for term. 65 monthly payments of £681.42 and 235 monthly payments of £926.50. Total amount payable £432,069.80 includes loan amount, interest of £262,020, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.1% APRC representative.}

• Credit interest / reward: None
• Cashback on debit card purchases: None
• Account fee: £12
• Arranged overdraft: 35.90% EAR
• Opening account: Online 
• Managing account: Online, in branch, by phone, via mobile app, by post and at the Post Office 
• Other information: Minimum applicant age 18. £125 cashback for accounts switched using the Current Account Switch Service. Must deposit at least £1,500, have two or more active direct debits, make at least five debit card payments, and register for online banking or mobile app within 30 days. Receive £25 per month for up to three months after receiving the £125 switch offer (new customers). Must deposit £1,500 or more, maintain two or more direct debits and make at least five debit card transactions each month. Ts&Cs apply.

_{Representative Example: Based on an overdraft limit of £1200 charged at 35.90% EAR Variable. Representative 35.9% APR variable.}