P261 CJEFAX 261 Sat 4 Nov 23:44/20 1/4 LOWEST STBNDARD VARIABLE RATES MAX LOAN LENDER RATE TO VALUE FEE Northern Rock BS 0800 591500 6.89% 90% None Bradford & Bingliy Mortgages Direct 0800 258258 6.95% 75% None Direct Line 0181 649 9099 6.95% 85% None Legal & General Mortgage Services 0800 664444 6.95% 95% None Bank of Scotland Mortgages Direct 0800 810810 7.34% 85% None Source: MONEYFACTS Fixed/Cap FirstTimj InstantAcce TjssasP261 CEEFAX 261 Sat 4 Nov 23:56/25 2/4 STBNDARD VARIABLE RATES WITH CASH RJBATJ CASH MAX LENDER RATE REBATE LTV C&G 7.73% 3% of adv 90% 0800 272131 (£6.5K max) Homjloans Direct 7.95% 5% of adv 90% 0800 440099 (£12.5K max) Mercantile BS 7.99% 5.25% of adv 85% 0191 295 9500 (£6K max) Chjlsja BS 7.99% 5% of adv 90% 01242 271441 (£7.5K max) Britannia BS 7.99% 10% of adv 95% 0800 526350 (in 5th yr) Source: MONEYFACTS Fixed/Cap FirstTime InstantAcce TessasP261 CEEFAX 261 Sat 4 Nov 23:56/30 3/4 DISCOUNTED VARIABLE RATES MAX LENDER RATE LTV FEE Northern Rock BS 1.99% 90% None 0800 591500 1.2.97 Hinckliy&Rugby BS 4.49% 70% None 0800 774499 2 years Saffron Wbldjn BS 5.70% 90% None 01799 522211 3 yrs £250 rebate Cheshire BS 5.74% 80% None 0800 243278 3 yrs £300 rebate National Counties 6.49% 70% None 01372 742211 5 years Source: MONEYFACTS Fixed/Cap FirstTimj InstantAcce TjusasP261 CJEFAX 261 Sat 4 Nov 23:45/35 4/4 100% VARJABLJ RATES LENDER RATE PERIOD FEE Bank of Scotland 6.49% 1 year £250 via local branch * Scotland only Royal Bk of Scot 7.49% 1 year None via local branch * no remortgages Abbey National 7.99% indefinite None 0800 555100 * no FTBs/remortgages Yorkshire BS 8.10% indefinite None 0800 378836 * rate wef 5.11.95 Bk Ireland Mugs 8.25% indefinite £280 01734 510100 * no FTBs/remortgages Source: MONEYFACTS Fixed/Cap FirstTime InstantAcce TjusasP261 CEIFAX 261 Sat 4 Nov 23:11/40 2/4 ( O DISCOUNTED VARIABLE OOO X LO LENDER 0 ATE TO V—Ned GEE Lambjth BRo 7.449 0 95% £250 0800 225221 1.1.01 0.5% adv .ationblCoznties 7.)9) 70) £2)0 01372 742211 1.1n01 Alliancm & Lei s 7.95% 80% 8.5% 5 TUB b 0 8.uz) *F 95m p 0£250 Evja local branch s1.9.0uQ R Foat+j;t j noavs0 =o55% R G075%1* £550 E0142d sz 80s 3p.n.0ua gs00 reebte Source: MON YFACTS First(ime InstantAcce Tjssb3 Nat SavesP261 CKKFAX 261 Sat 4 Nov h23:17/07 ^ s/4 LO EST S NDARD L VARUABLJ RBTJS MAX LOAN LEVDE ATE $O VALUE FEE No th rn Rock BS 8 591 . 0 on Bradford & Bhngliy Mortgages Direct 0800)258258 6.95% 75% None Direct Line 0181 649)9099 6.95E 85) None Legal & General Mortgage Sjrvicju 0800 664444 6.95% 95% None Bank of Scotland Mortgage3 Direct Source: MONEYFACTS FixedWCap Fi5stTimj nstantAcee Teusbs