Moneyfacts pick of the week

• Rate: 4.70% gross / 4.70% AER payable on anniversary, monthly interest option of 4.60% gross / 4.70% AER
• Notice / term: One year
• Minimum opening amount: £5,000
• Maximum investment amount: ISA allowance
• Access: Permitted, subject to 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: 4.55% gross/ 4.55% AER payable on anniversary / monthly interest option of 4.46% gross / 4.55% AER also available
• Notice / term: Two years
• Minimum opening amount: £500
• Maximum investment amount: ISA allowance
• Access: Permitted, subject to 180-day loss of interest penalty
• Further additions: Permitted for 28 days from account opening
• Transfers in: Permitted within 28 days of account opening. Accepts Cash and Stocks & Shares ISAs
• Transfers out: Permitted, subject to 180-day loss of interest penalty
• Opening account: Online
• Managing account: Online and by post
• Other information: Minimum applicant age 18. Investors can choose to split their Cash ISA savings across multiple ISAs within Paragon’s range. Flexible ISA rules apply.

• Rate: 4.20% gross / 4.20% AER payable on maturity
• Notice / term: Three years
• Minimum opening amount: £1,000
• Maximum investment amount: ISA allowance
• Access: Permitted, subject to 270-day loss of interest penalty and closure of account
• 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 and closure of the account
• Opening account: Online and via its mobile app
• Managing account: Online and via its mobile app
• Other information: Minimum applicant age 18. New customers can only open an account via an online Self Service Portal, after which they gain access to the mobile app and can open subsequent accounts using the Self Service Portal or mobile app. Castle Trust Bank will plant a tree when an e-Cash ISA or e-Saver account is opened and funded within the 14-day funding window. If minimum investment is not made within 14 days of account opening, no interest is paid and the balance will be refunded.

• Rate: 4.35% fixed rate to 2 September 2029, reverting to 7.50%
• APRC: 6.3%
• Product fee: £999
• Maximum loan-to-value: 60%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland

_{Representative example: £218,000 mortgage over 25 years initially at 4.35% fixed for 63 months reverting to 7.50% variable for term. 63 monthly payments of £1193.23 and 237 monthly payments of £1535.27. Total amount payable £440,306.48 includes loan amount, interest of £221,032, valuation fees of £0 and product fees of £999. The overall cost for comparison is 6.3% APRC representative.}

• Rate: 5.04% fixed for two years, reverting to 7.99%
• APRC: 7.7%
• Product fee: £999
• Maximum loan-to-value: 85%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments. Underpayments considered subject to approval and overpayments having been made previously
• Lending area: Great Britain and Northern Ireland (excluding Scilly Isles)

_{Representative example: £288,000 mortgage over 25 years initially at 5.04% fixed for 24 months reverting to 7.99% variable for term. 24 monthly payments of £1690.34 and 276 monthly payments of £2187.25. Total amount payable £645,298.16 includes loan amount, interest of £356,249, valuation fees of £0 and product fees of £999. The overall cost for comparison is 7.7% APRC representative.}

• Rate: 4.52% fixed to 31 August 2029 reverting to 8.24%
• APRC: 7.2%
• Product fee: £1,495
• Maximum loan-to-value: 65%
• Available to: All borrowers
• Incentives: Free valuation and £400 cashback
• Flexible features: Allows overpayments
• Lending area: England and Wales

_{Representative example: £150,000 mortgage over 25 years initially at 4.52% fixed for 63 months reverting to 8.24% variable for term. 63 monthly payments of £565.00 and 237 monthly payments of £1030.00. Total amount payable £431,335.00 includes loan amount, interest of £279,705, valuation fees of £0 and product fees of £1495. The overall cost for comparison is 7.2% APRC representative.}

• Rate: 5.04% fixed to 31 August 2026, reverting to 7.54%
• APRC: 8.0%
• Product fee: £999
• Maximum loan-to-value: 60%
• Available to: All borrowers
• Incentives: Free valuation and, for those remortgaging, help towards costs
• Flexible features: Allows overpayments by lump sums, subject to approval, or regular methods
• Lending area: England, Wales, mainland Scotland and Northern Ireland

_{Representative example: £150,000 mortgage over 25 years initially at 5.04% fixed for 27 months reverting to 7.54% variable for 36 months and 8.54% variable for term. 27 monthly payments of £630.00, 36 monthly payments of £942.50 and 237 monthly payments of £1067.50. Total amount payable £455,185.50 includes loan amount, interest of £303,938, valuation fees of £0 and product fees of £999. The overall cost for comparison is 8.0% APRC representative.}