Moneyfacts pick of the week

• Rate: 4.30% gross / 4.39% AER payable monthly (includes a 0.90% gross / 0.94% AER bonus for 12 months)
• Notice / term: None
• Minimum opening amount: £500
• Maximum investment amount: ISA allowance
• Access: Permitted. Lower rate of 0.75% gross/AER paid if more than three withdrawals made per 12-month period
• Further additions: Permitted
• Transfers in: Permitted. Accepts Cash, Stocks and Shares, Help to Buy and Innovative Finance ISAs
• Transfers out: Permitted
• Opening account: Online and via mobile app
• Managing account: Online and via mobile app
• Other information: Minimum applicant age 18. New customers only. Investors can choose to split their Cash ISA savings across multiple ISAs within Moneybox’s range.

• Rate: 4.75% fixed until 30 April 2029 before reverting to 6.54%
• APRC: 6.2%
• Product fee: None
• Maximum loan-to-value: 95%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments and payment holidays after six months, maximum six months holiday per year subject to sufficient overpayments, approval and 14 days’ notice
• Lending area: Great Britain.

_{Representative Example: £250,000 mortgage over 25 years initially at 4.75% fixed for 39 months reverting to 6.54% variable for term. 39 monthly payments of £1425.29 and 261 monthly payments of £1665.79. Total amount payable £490,462.50 includes loan amount, interest of £240,358, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.2% APRC representative.}

• Rate: 4.79% Discounted Variable for two years (3.65% disc) before reverting to 8.44%
• APRC: 8.1%
• Product fee: £499
• Maximum loan-to-value: 80%
• Available to: Second-time buyers and remortgage customers
• Incentives: Remortgage customers receive a free valuation, and free legal fees.
• Flexible features: Allows overpayments
• Lending area: England and Wales

_{Representative Example: £170,000 mortgage over 25 years initially at 4.79% variable for 24 months reverting to 8.44% variable for term. 24 monthly payments of £678.58 and 276 monthly payments of £1195.67. Total amount payable £516,899.84 includes loan amount, interest of £346,291, valuation fees of £0 and product fees of £499. The overall cost for comparison is 8.1% APRC representative.}

• Credit interest / reward: None
• Cashback on debit card purchases: None
• Account fee: £18
• Arranged overdraft: 35.90% EAR
• Opening account: Online or in branch
• Managing account: Online, in branch, by phone, via mobile app, by post, at the Post Office and text alerts.
• Other information: Minimum applicant age 18. £100 cashback for accounts switched using the Current Account Switch Service. Must deposit £1K or more, have two or more active direct debits, make at least 10 debit card payments, register for online banking or mobile app and register debit card in a digital wallet within 30 days. Receive £25 per month for up to three months after receiving the £100 switch offer. Must deposit £1K or more, make at least 10 debit card transactions and have two or more direct debits each month. T&Cs apply.

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