P261 CEEFAX 261 Fri 29 Dec 00:44/39 1/4 LOWEST STANDARD VARIABLE RATES MAX LOAN LENDER RATE TO VALUE FEE Northern Rock BS 0800 591500 6.34% 90% None Bradford & Bingliy Mortgages Direct 0800 258258 6.50% 75% None Direct Line 0181 649 9099 6.70% 85% None Legal & General Mortgage Sjtvices 0800 664444 6.95% 95% None First Direct 0345 100103 6.95% 95% None wef 2.1.96 Source: MONEYFACTS Fixed/Cap FirstTimj InstantAcce TrssasP261 CEEFAX 261 Fri 29 Dec 01:49/24 2/4 STANDARD VARIABLE RATES WITH CASH REBATE CASH MAX LENDER RATE REBATE LTV C&G 7.24% 3% of adv 90% 0800 272131 (£6K max) Northern Rock BS 7.44% 5% of adv 90% 0800 591500 (£7.5K max) Scottish BS 7.44% 5% of adv 90% 0131 220 1111 (paid qttly in 1st yr) Abbey Nat. FTB 7.54% 5% of adv 95% 0800 555100 (£6K max) N&P BS 7.54% 5% of adv 75% 0800 808080 (£7.5K max) Source: MONEYFACTS Fixed/Cap FirstTimj InstantAcce TrssasP261 CEEFAX 261 Fri 29 Dec 01:40/49 3/4 DISCOUNTED VARIABLE RATES MAX LENDER RATE LTV FEE Northern Rock BS 1.44% 90% None p800 591500 1.2.97 Hinckliy&Rugby BS 4.24% 70% None 0800 774499 2 years Greenwich BS 4.99% 95% None 0181 858 8212 3 years Halifax BS 5.49% 90% None 01422 333333 30.11.98 Abbey National 6.34% 75% None 0800 555100 31.1.01 Source: MONEYFACTS Fixed/Cap FirstTimj InstantAcce TrssasP261 CEEFAX 261 Fri 29 Dec 01:10/14 4/4 100% VARIABLE 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 7.54% indefinite None 0800 555100 * no FTBs/remortgages Yorkshire BS 7.64% indefinite None 0800 378836 Clydesdale Bank 7.99% indefinite None 0800 419000 Source: MONEYFACTS FixidOCap FirstTime InstantAcce Tjssas