Moneyfacts pick of the week

• Rate: 4.28% gross / 4.28% AER payable on maturity
• Notice / term: One year
• Minimum opening amount: £2,000
• Maximum investment amount: ISA allowance
• Access: Permitted on account closure only, subject to 90 days’ loss of interest
• Further additions: Permitted for 10 days from account opening
• Transfers in: Permitted. Accepts Cash ISAs
• Transfers out: Permitted, subject to 90-day loss of interest penalty
• Opening account: Online, via its mobile app, by post and in branch
• Managing account: Online, via its mobile app, by phone, by post and in branch
• Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within UBL UK’s range.

• Rate: 4.71% fixed until 31 December 2030 before reverting to 5.99%
• APRC: 5.6%
• Product fee: None
• Maximum loan-to-value: 95%
• Available to: First and second-time buyers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

_{Representative example: £200,000 mortgage over 25 years initially at 4.71% fixed for 61 months reverting to 5.99% variable for term. 61 monthly payments of £1135.64 and 239 monthly payments of £1261.82. Total amount payable £370,979.02 includes loan amount, interest of £170,849, valuation fees of £0 and product fees of £0. The overall cost for comparison is 5.6% APRC representative.}

• Rate: 3.86% fixed until 28 February 2031 before reverting to 8.04%
• APRC: 6.8%
• Product fee: £1,499
• 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 3.86% fixed for 63 months reverting to 8.04% variable for term. 63 monthly payments of £546.83 and 237 monthly payments of £1139.00. Total amount payable £476,141.29 includes loan amount, interest of £304,393, valuation fees of £0 and product fees of £1499. The overall cost for comparison is 6.8% APRC representative.}