Moneyfacts pick of the week

• Rate: 4.47% gross / 4.47% AER payable on maturity
• Notice / term: 12 months
• Minimum opening amount: £25,000
• Maximum investment amount: £2 million
• Access: Not permitted
• Further additions: Permitted for 14 days from account opening via a nominated account
• Opening account: Via its mobile app
• Managing account: Via its mobile app
• Other information: Minimum applicant age 18.

• Rate: 4.20% fixed rate for five years before reverting to 6.74% 
• 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. Underpayments considered subject to approval and overpayments having been made
• Lending area: Great Britain and Northern Ireland (excluding Scilly Isles).

_{Representative example: £350,000 mortgage over 25 years initially at 4.20% fixed for 60 months reverting to 6.74% variable for term. 60 monthly payments of £1886.30 and 240 monthly payments of £2324.39. Total amount payable £671,081.60 includes loan amount, interest of £321,032, valuation fees of £0 and product fees of £0. The overall cost for comparison is 5.8% APRC representative.}

• Rate: 4.03% fixed rate to 29 February 2028 before reverting to 8.04%
• APRC: 7.6%
• Product fee: £999
• Maximum loan-to-value: 60%
• Available to: Second-time buyers and remortgage customers
• Incentives: Free valuation for all borrowers, and help towards costs for remortgage customers
• Flexible features: Allows overpayments
• Lending area: England, Wales, mainland Scotland and Northern Ireland.

_{Representative Example: £170,000 mortgage over 25 years initially at 4.03% fixed for 27 months reverting to 8.04% variable for term. 27 monthly payments of £570.92 and 273 monthly payments of £1139.00. Total amount payable £497,609.84 includes loan amount, interest of £326,362, valuation fees of £0 and product fees of £999. The overall cost for comparison is 7.6% APRC representative.}