Moneyfacts pick of the week

• Rate: 5.26% gross / 5.26% AER payable on anniversary, monthly interest option of 5.14% gross / 5.26% AER
• Notice / term: One year
• Minimum opening amount: £5,000
• Maximum investment amount: ISA allowance
• Access: Early access on 90-day loss of interest penalty
• Further additions: Permitted, for 30 days from account opening via nominated account
• Transfers in: Permitted, allows Cash, and Stocks and Shares ISAs
• Transfers out: Permitted, subject to 90-day loss of interest penalty
• Opening account: Online
• Managing account: Online
• Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Charter’s range.

• Rate: 5.50% gross / 5.50% AER variable payable yearly
• Notice / term: None
• Minimum opening amount: £1,000
• Maximum monthly investment amount: £1,000
• Maximum investment amount: £100,000
• Access: Five penalty-free withdrawals permitted per year, any over are subject to 30-day loss of interest penalty.
• Further additions: £250 minimum per month, account will be closed or the balance will be transferred to an Instant Access account, which pays a lower rate, if a payment is missed.
• Opening account: Online
• Managing account: Online or by mobile app
• Other information: Minimum applicant age 18. Joint account option available.

• Rate: 5.20% gross / 5.20% AER payable monthly
• Notice / term: None
• Minimum opening amount: £1,000
• Maximum investment amount: £250,000
• Access: Via nominated account, minimum withdrawal £1,000
• Further additions: Permitted, via nominated account, minimum addition £1,000
• Opening account: Online
• Managing account: Online and by phone
• Other information: Minimum applicant age 18.

• 5.99% fixed rate for two years, reverting to 6.99%
• APRC: 7.0%
• 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: £168,000 mortgage over 25 years initially at 5.99% fixed for 24 months reverting to 6.99% variable for term. 24 monthly payments of £1081.40 and 276 monthly payments of £1180.19. Total amount payable £351,736.04 includes loan amount, interest of £183,686, valuation fees of £0 and product fees of £0. The overall cost for comparison is 7.0% APRC representative.}

• 5.53% fixed rate to 1 February 2026, reverting to 9.49%
• APRC: 8.9%
• Product fee: None
• Maximum loan-to-value: 90%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments. Payment holidays considered by arrangement.
• Lending area: Great Britain and Northern Ireland.

_{Representative Example: £168,000 mortgage over 25 years initially at 5.53% fixed for 25 months reverting to 9.49% variable for 59 months and 9.24% variable for term. 25 monthly payments of £1034.68, 59 monthly payments of £1439.08 and 216 monthly payments of £1415.59. Total amount payable £416,689.16 includes loan amount, interest of £248,540, valuation fees of £0 and product fees of £0. The overall cost for comparison is 8.9% APRC representative.}

• 4.49% fixed rate to 31 March 2029, reverting to 8.24%
• APRC: 6.8%
• Product fee: £495
• Maximum loan-to-value: 75%
• Available to: House purchase customers
• Incentives: £250 cashback and free valuation
• Flexible features: Allows overpayments. Underpayments and payment holidays considered, not to exceed level of overpayments previously made
• Lending area: Great Britain and Northern Ireland.

_{Representative Example: £218,000 mortgage over 25 years initially at 4.49% fixed for 63 months reverting to 8.24% variable for term. 63 monthly payments of £1210.48 and 237 monthly payments of £1625.91. Total amount payable £462,235.91 includes loan amount, interest of £243,601, valuation fees of £0 and product fees of £495. The overall cost for comparison is 6.8% APRC representative.}

• 5.09% fixed rate until 31 March 2026, reverting to 8.24%
• APRC: 8.1%
• Product fee: £1,995
• Maximum loan-to-value: 60%
• Available to: Second-time buyers, via selected intermediaries.
• Incentives: Free valuation and £500 cashback
• Flexible features: Allows overpayments.
• Lending area: Great Britain.

_{Representative Example: ££150,000 mortgage over 25 years initially at 5.09% fixed for 27 months reverting to 8.24% variable for term. 27 monthly payments of £636.25 and 273 monthly payments of £1030.00. Total amount payable £450,503.75 includes loan amount, interest of £298,369, valuation fees of £0 and product fees of £1995. The overall cost for comparison is 8.1% APRC representative.}

• Introductory rate for purchases: 0% for three months
• Introductory rate for balance transfers: 0% for 24 months
• Standard rate for purchases: 24.9% APR
• Balance transfer fee: 3.00% as an introductory charge during the first two months from account opening, rising to 5.00% (no min) thereafter
• Card fee: None
• Opening method: Online, and in branch
• Card management: By phone, post and via its mobile app
• Other information: Minimum age 18. Enjoy exclusive offers and rewards on the Virgin Red app. Rates dependent on credit rating.

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