P254 CEEFAX 2 254 Wed 12 Jan 22:07/37 FIRST TIME BUYERS: DISCOUNTED VAR 1/3 LENDER RATE MAX LTV TIE-IN Woolwich 5.24% 95% None 0345 454546 2 years To 90% no NIP Halifax 4.99% 95% None 0800 203049 31.1.02 To 90% no NIP Scarborough BS 4.40% 95% 1st 5yrs 0990 133149 3 years To 90% no NIP Yorkshire BS 5.70% 95% None 0845 120 0100 3 years To 90% no NIP Derbzshiri BS 5.65% 95% None 01332 841000 5 years To 90% no NIP Source: MONEYFACTS Postal YourMonjy Variable Main MenuP254 CEEFAX 2 254 Wed 12 Jan 22:53/24 FIRST TIME BUYERS: FIXED RATES 2/3 LENDER RATE MAX LTV TIE—IN Northern Rock 4.99% 95% 1st 6yrs 0845 605 0500 1.3.02 £500 & no NIP Skipton BS 5.70% 95% 28.2.02 01756 705030 28.2.02 To 90% no NIP Scarborough BS 5.80% 95% 1st 5yrs 0990 133149 3 years To 90% no NIP Leeds & Holbjck BS 6.40% 95% 1.3.03 0800 072 5726 1.3.03 Newcastle BS 6.29% 90% 28.2.05 0191 244 2468 28.2.05 To 85% no NIP Source: MONEYFACTS Postal YourMonjy Variable Main MenuP254 CEEFAX 2 254 Wed 12 Jan 21:24/01 FIRST TIME BUYERS: 100% 3/3 RATE PERIOD TIE-IN VARIABLE RATES Mortgage Express 5.30% 1 year Yes 0500 212854 No NIP Yorkshire BS 7.20% term None 0845 120 0100 FIXED RATES Mortgage Express 7.49% 3.12.01 Yes 0500 212854 No NIP Sainsbury's Bank 7.69% 31.1.03 None 0500 700600 Source: MONEYFACTS Postal YourMonjy Variable Main Menu