Moneyfacts pick of the week

• Rate: 4.16% gross / 4.16% AER payable on maturity
• Notice / term: Three year
• Minimum opening amount: £1,000
• Maximum investment amount: £500k
• Access: Earlier access on closure only subject to 270-day loss of interest
• Further additions: Permitted for 14 days from account opening
• Transfers in: Permitted. Accepts cash and stocks and shares ISAs
• Transfers out: Permitted, subject to 270-day loss of interest penalty
• Opening account: Online and via its mobile app
• Managing account: Online, and via its mobile app
• Other information: Minimum applicant age 18. Investors can choose to split their cash ISA savings across multiple ISAs within Castle Trust Bank’s range. A transfer out penalty may be applied. Castle Trust Bank will plant a tree when an e-Cash ISA is opened and funded within the 14-day funding window.

• Rate: 4.30% gross / 4.30% AER payable on maturity
• Notice / term: One year
• Minimum opening amount: £500
• Maximum investment amount: ISA allowance
• Access: Permitted subject to 90 days’ loss of interest
• Further additions: Permitted
• Transfers in: Permitted. Accepts cash and stocks and shares ISAs
• Transfers out: Permitted, subject to 90-day loss of interest penalty
• Opening account: Via its mobile app
• Managing account: Via its mobile app
• Other information: Minimum applicant age 18. Investors can choose to split their cash ISA savings across multiple ISAs within Tembo’s range. A transfer out penalty may be applied.

• Rate: 4.49% fixed until 28 February 2029 before reverting to 7.49%
• APRC: 6.8%
• Product fee: None
• Maximum loan-to-value: 90%
• Available to: First-time buyers and homemovers
• Incentives: Free valuation for all borrowers, and £500 cashback
• Lending area: England, Wales, mainland Scotland and Northern Ireland.

_{Representative example: £200,000 mortgage over 25 years initially at 4.49% fixed for 39 months reverting to 7.49% variable for term. 39 monthly payments of £1110.53 and 261 monthly payments of £1436.80. Total amount payable £418,365.47 includes loan amount, interest of £218,315, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.8% APRC representative.}