P254 CEEFAX 2 254 Thu 26 Dec 23:12/17 U FIRST TIME BUYERS: VARIABLE DISCO 1/3 MAX LOAN LENDER RATE TO VALUE FEE Staffordshire BS 2.23% 90% None 01902 317317 1.12.97 Greenwich BS 4.19% 95% None 0181 858 8212 2 years Northern Rock BS 4.24% 95% None 0800 591500 1.1.00 Alliance & Lrics 4.25% 90% £195 via local branch 1.1.98 3% rebate Mercantile BS 5.99% 90% None 0191 295 9580 1.8.01 Source: MONEYFACTS Postal YourMonjy Variable Main MenuP254 CEEFAX 2 254 Thu 26 Dec 23:47/47 FIRST TIME BUYERS: FIXED RATES 2/3 MAX LOAN LENDER RATE TO VALUE FEE Bristol & West BS 1.95% 90% £275 0800 608088 1.10.97 Northern Rock BS 4.89% 95% £295 0800 591k00 1.1.99 Lambjth BS 4.99% G95% £295 0800 225221 1.10.98 0.25% rebate Cheshire BS 6.59% 95% £295 0800 273278 1.1.00 Britannia BS 7.74% 95% £295 0800 526350 5 years Source: MONEYFACTS Postal YourMonjy Variable Main MenuP254 CEEFAX 2 254 Thu 26 Dec 23:14/38 FIRST TIME BUYERS: 100% 3/3 RATE PERIOD FEE FIXED RATES Royal Bk of Scot 8.49% 16.8.00 £200 0131 523 1023 Mortgage Express 8.69% 3.1.02 £295 0500 050020 No NIP VARIABLE RATES Yorkshire BS 7.19% indefinite None 0800 378836 TUB 7.75% indefinite None via local branch Source: MONEYFACTS Postal YourMonjy Variable Main Menu