40k - what to do with it?

neff85

Hi there,
I'm looking for a bit of advice. I've kept my savings (now at 40k) in a Santander 123 account for the past 5-7 or so years. It was a great place for savings for a while, but I've got too much in there now, the rate has dropped considerably and I've also moved all my direct debits out of there (which gave a monthly return) So it's literally doing nothing for me now except for charging me £5p/m. We had been trying to sell our flat and move house all of last year and were almost there in Feb when our chain came crumbling down. Due to Covid-19 income drop, me going on Stat Mat Pay soon, and hopefully a successful flat sale/house buy in the next year or so, I'd like to have access to at least 60% of this money in the next year or so.
I am looking for a good interest rate, no fees, etc etc. I'm unsure whether a Current Account or a Savings Account is best. But due to going on Stat Mat Pay soon and being a freelancer I won't be able to deposit much/if anything monthly any more.
I'm a creative (my excuse for being a bit baffled!  ) and get easily confused with all the different jargon, deals, whether something is going to cost me, so I'm looking for simple advice based on the above on what I should do with this money please. Happy to perhaps split it. I was looking at the NS&I Income Bonds account (1.15% gross/1.16% AER), and also the Virgin Money Current Account (2.02%).
Just in case this info helps - I have a Nationwide current account (which I'm happy to change up), a mortgage (2.02%), a Lifetime ISA (not contributed this tax year yet), some Premium bonds, and some savings in my Nationwide Regular saver. 
Any pro tips from those who are clued up on this sort of thing would be massively welcome! Thank you 

Albermarle

Here is a comparison site for savings accounts, including easy access and fixed rates.
https://moneyfacts.co.uk/savings-accounts/
At these levels of savings, you do not need to save in cash ISA , which normally pay less interest anyway.
A full contribution to the Lifetime ISA to get the full Government top up seems like a good idea. 
By the way nobody on the forum will give you 'advice' ( in the financial world that means giving you regulated paid for financial advice) or give you tips .( although I know a dead cert in the 3.00 at Newmarket ) 
However we can try and point you in the right direction