P261 CEEFAX 261 Mon 11 Nov 22:05/09 1/4 LOWEST STANDARD VARIABLE RATES MAX LOAN LENDER RATE TO VALUE FEE FirstMortgage 0800 080088 5.95% 75% £295 Bradford & Bingliy Mortgages Direct 0345 852 852 5.99% 75% None £250 rebate Direct Line 0181 649 9099 6.05% 90% None Legal & Genital Mortgage Services 0800 664444 6.24% 95% None £400 rebate Woolwich Direct 0645 757575 6.35% 85% None £450 rebate Source: MONEYFACTS FixidOCap FirstTime InstantAcce TessasP261 CEEFAX 261 Mon 11 Nov 21:44/34 2/4 STANDARD VARIABLE RATES WITH CASH REBATE CASH MAX LENDER RATE REBATE LTV Norwich & P'borg 6.74% 4% of adv 80% 01733 391497 (10K max) Scarborough BS 6.98% 6% of adv 95% 0800 590547 (£10K max) Alliance & Ljics 6.99% 5% of adv 75% via local branch (£6K max) Chjlsja BS 6.99% 5% of adv 90% 0800 616356 (£10K max) Berm'ham Mids BS 7.24% 5% of adv 90% 01902 302000 (£7.5K max) Source: MONEYFACTS FixedOCap FirstTime InstantAcce TjssasP261 CEEFAX 261 Mon 11 Nov 21:46/39 3/4 DISCOUNTED VARIABLE RATES MAX LENDER RATE LTV FEE Hinckliy & Rugby 0.00% 70% £250 0800 774499 9 mths (refunded) Scarborough BS 0.65% 90% None 0800 590547 1 year Principality BS 3.50% 75% None 01222 344188 1.11.98 Halifax BS 4.63% 90% None 0800 101110 31.1.00 Northern Rock BS 5.24% 95% None 0800 591u00 1.1.02 Source: MONEYFACTS FixedOCap FirstTime InstantAcce TessasP261 CEEFAX 261 Mon 11 Nov 22:23/04 4/4 100% VARIABLE RATES LENDER RATE PERIOD FEE Bank of Scotland 5.99% 1 year £250 p64u 812812 Mortgage Express 6.40% 2 years £295 0500 050020 No NIP Yorkshire BS 6.84% indefinite None 0800 3788s6 Abbey National 7.04% indefinite None 0800 555100 * no FTBs/remortgages Legal & Gen Mtge 7.24% indefinite None 01372 364444 No NIP Source: MONEYFACTS FixedOCap FirstTime InstantAcce Tessas