Moneyfacts pick of the week

• Rate: 4.45% gross / 4.45% 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: Via its mobile app
• Managing account: Via its mobile app
• Other information: Minimum applicant age 18.

• Rate: 4.59% Variable (collared at 3.00%) for two years before reverting to 6.54%
• APRC: 6.5%
• Product fee: £745
• Maximum loan-to-value: 60%
• Available to: Second-time buyers and remortgage customers
• Incentives: Free valuation for all borrowers and free legal fees for remortgage customers
• Flexible features: Allows overpayments
• Lending area: Great Britain.

_{Representative example: £170,000 mortgage over 25 years initially at a tracker rate of 4.59% variable for 24 months reverting to 6.54% variable for term. 24 monthly payments of £650.25 and 276 monthly payments of £926.50. Total amount payable £442,196.00 includes loan amount, interest of £271,320, valuation fees of £26 and product fees of £745. The overall cost for comparison is 6.5% APRC representative.}

• Credit interest / reward: None
• Cashback on debit card purchases: None
• Account fee: None
• Arranged overdraft: 35.00% EAR, plus £15 interest-free buffer.
• Opening account: Online, in branch, or via its mobile app
• Managing account: Online, by phone, in branch, via its mobile app, by post, at the Post Office and text alerts
• Other information: Minimum applicant age 18. Eligible for Barclays Blue Rewards. Eligibility criteria applies: £5pm charge, £800pm funding, must be registered for mobile banking. Exclusive access to members only savings accounts & earn cashback with Barclays Cashback partners. Subscription to Apple TV+ worth £8.99 pm plus MLS Season Pass worth £14.99 pm. £200 for accounts opened and switched using the Current Account Switch Service via the Barclays app. Have a minimum of two Direct Debits, deposit £2,000 into the account and join Barclays Blue Rewards by 27 November 2025. T&Cs apply.

_{Representative example: Based on an overdraft limit of £1200. Up to £15.00 charged at 0.00% EAR Variable. Over £15.00 charged at 35.00% EAR Variable. Representative 35.0% APR variable.}

• Introductory rate for purchases: 0% for three months
• Introductory rate for balance transfers: 0% for 34 months
• Standard rate for purchases: 24.9% APR
• Balance transfer fee: 3.15%, minimum £5 fee, as an introductory charge during the introductory transfer period, falling to 3% (£5 min) thereafter
• Card fee: None
• Opening method: Online and in branch
• Card management: Online, by phone, by post, in branch and via its mobile app
• Other information: Minimum age 18. Minimum income £10,500. Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Customer must be signed to online and mobile banking to qualify.

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

• Representative APR: 5.8%
• 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 18. Minimum Applicant Income £10,000 per year. You may be offered an alternative APR dependent on credit rating.

_{Representative example: Based on a loan of £7,500 at 5.80% per annum fixed. Representative 5.8% APR. Total amount repayable £8,626.80 at £143.78 per month for 60 months.}