Moneyfacts pick of the week

• Rate: 4.25% gross / 4.25% AER payable yearly
• Notice / term: Five years
• Minimum opening amount: £10,000
• Maximum investment amount: £2 million
• Access: Permitted, on account closure and subject to a 365-day loss of interest penalty
• Further additions: Permitted, for 10 days from account opening
• Transfers in: Permitted, allows Cash and Stocks and Shares ISAs. Transfer instructions must be received within 10 days of account opening
• Transfers out: Permitted, subject to a 365-day loss of interest penalty and closure of the account
• Opening account: Online
• Managing account: Online, by phone and by post
• Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Close Brothers Savings’ range.

• Rate: 4.60% fixed until 30 June 2028 before reverting to 5.74%
• APRC: 5.6%
• Product fee: None
• Maximum loan-to-value: 95%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

_{Representative Example: £200,000 mortgage over 25 years initially at 4.60% fixed for 28 months reverting to 5.74% variable for term. 28 monthly payments of £1123.05 and 272 monthly payments of £1246.89. Total amount payable £370,729.48 includes loan amount, interest of £170,599, valuation fees of £0 and product fees of £0. The overall cost for comparison is 5.6% APRC representative.}

• Rate: 3.99% fixed until 31 May 2031 before reverting to 6.74%
• APRC: 6.0%
• Product fee: £995
• Maximum loan-to-value: 60%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland. Online exclusive deal.

_{Representative Example: £170,000 mortgage over 25 years initially at 3.99% fixed for 63 months reverting to 6.74% variable for term. 63 monthly payments of £565.25 and 237 monthly payments of £954.83. Total amount payable £433,025.46 includes loan amount, interest of £261,905, valuation fees of £75 and product fees of £995. The overall cost for comparison is 6.0% APRC representative.}

• Introductory rate for purchases: 0% for 26 months
• Introductory rate for balance transfers: 0% for 18 months
• Standard rate for purchases: 24.9% APR
• Balance transfer fee: 3.49% as an introductory charge during the first three months from account opening, rising to 5.00% (no min) thereafter.
• Card fee: None
• Opening method: Online and in branch
• Card management: Online, by phone, in branch and via its mobile app
• Other information: Minimum age 18.

_{Representative Example: Based on a credit limit of £1200.00 charged at 24.95% variable per annum for purchases. Representative 24.9% APR variable.}

• Credit interest / reward: None
• Cashback on debit card purchases: None
• Account fee: £2 per month
• Arranged overdraft: 39.49% EAR
• Opening account: Online, by phone or in branch
• Managing account: Online, in branch, by phone, by post, via mobile app and at the Post Office
• Other information: Minimum applicant age 18. £150 free cash offer, using the Current Account Switch Service by 28.5.26, must deposit £1,250 and log in to mobile banking app within 60 days of switching. Customers can earn up to £5 a month in rewards. Earn at least 1% Rewards on qualifying purchases at selected retailers which can be converted to cashback, trade up vouchers or donated to charity. Earn four Rewards per month by making a minimum of two direct debit payments of at least £2 each. Earn an additional one Reward by logging into mobile banking app every month. Once five Rewards are available, they can be exchanged for a £5 current account credit, traded up for Reward vouchers at selected retailers or donated to a participating charity.

_{Representative Example: Based on an overdraft limit of £1200 charged at 39.49% EAR Variable. Representative 39.5% APR variable.}