P545 Teletext 545 Nov 3 23:17:57 ——————— FIXED RBTJS ——————————————————— LENDER RATE LTV TERM FEE Hing&Rugby 0.75% 70% 1.12.96 £250 FirstMSec 5.75% 75% 1.11.98 £275 Brit&West 0.95% 90% 30.11.96 £275 NatCount 7.49% 70% 1.1.2001 £250 Source: John Charcol: London ——————————————————————————————————1/7—— Variable and discount rates >> SAVE OVER £4,400* ON YOUR MORTGAGE! SEE PAGE 537 Savings Money News Tax Money TipsP545 Teletext 545 Nov 3 23:11:15 ——————— VARIABLE/DISCOUNT RATES ——————— new LENDER RATE LTV DISCOUNT TERM RATE Coventry 7.99% 95% 1.75% 1.10.99 6.24% NatCount 7.99% 70% 1.5% 5 years 6.49% Scarboro 7.99% 95% 6.20% 1 year 1.79% Hing&Rug 7.99% 70% 3.50% 2 years 4.49% ——— NEGATIVE EQUITY LOANS ————————————— Max loan Min income BxScot 8.34% 10.34% £30,000 £20,000 C&G 7.73% 7.73% 25% 2xjoint Source: John Charcol: London ——————————————————————————————————2/7—— Latest rates for first time buyers >> DOWNLOAD SHAKES ON YOUR PC p532/533 Savings Money News Tax Money TipsP545 Teletext 545 Nov 3 23:34:13 ————————— FIRST TIME BUYERS ——————————— LENDER APR MAX DISCOUNT TERM NorthRock 4.89% 95% to 1.2.98 Scarboroug 7.99) 95% 6.20% for 1 year Brit&West 0.95% 90% fix to 30.11.96 Brad&Bing 1.89% 95% fix to 1.12.96 —————————— CAPPED RATES ——————————————— HalifaxMSL 4.65% 80% 1 year fee £295 Mort Bus. 6.39% 95% 1.4.98 fee £299 Source: John Charcol: London ——————————————————————————————————3/7—— 100% Mortgages >>>> DOWNLOAD SHAKES ON YOUR PC p532/533 Savings Money News Tax Money TipsP545 Teletext 545 Nov 3 23:24:41 ————— 100% FOR 1ST/2ND TIME BUYERS ———— LENDER RATE 1ST/2ND FEE TERM Cjntrebk 7.99% Both £250 31.8.96 BkxIreld 8.25% 2nd £280 variable RBkxScot 7.94% Both none variable N&P 8.49% Both none vbriabli Yorkshir 7.99% Both none variable Source: John Charcol: London ——————————————————————————————————4/7—— Cashback deals >>>> CHECK THE CITY INDEX p501 Savings Money News Tax Money TipsP545 Teletext 545 Nov 3 23:34:17 ————— CASHBACK MORTGAGES —————————————— LENDER % OF LOAN MAXIMUM CASHBACK MarkjtHarb up to 6% £5,000 Furnjss up to 5% none Chjlsja 5% £7,500 Newcastle 5% £12,500 Source: John Charcol: London ——————————————————————————————————5/7—— Halifax house price index >>> DOWNLOAD SHARES ON YOUR PC p532/533 Savings Money News Tax Money TipsP545 Teletext 545 Nov 3 23:31:31 ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX Nth/Chm Yr/Chm AV.PRICE Oct94 201.3 -0.1% -0.9% £62,209 Nov:4 201.2 -0.1* -1.0% £62,169 Dec94 199.9 0.3% -0.2% £61,776 Jan:5 198.6 0.0% 0.4% £61,369 Feb:5 200.1 0.2* -1.1% £61,821 Mar95 201.2 -0.3% -1.5% £62,180 Apr95 201.6 -0.4% -1.4% £62,300 May:5 200.1 -1.0% -1.4% £61,830 Jun:5 201.2 -0.4% -1.9% £62,171 Jul95 199.3 -0.7% -3.1% £61,583 Aug95 198.7 +0.1% -2.4% £61,389 Sip:5 199.0 +0.4%r -2.0% £61,498 Oct95 197.7 +0.1% -1.8% £61,092 ——————————————————————————————————6/7—— House prices update early December DOWNLOAD SHARES ON YOUR PC p532/533 Savings Money News Tax Money TipsP545 Teletext 545 Nov 3 23:37:41 Advert MORTGAGES >> SPECIAL MORTGAGE OFFER FROM COVENTRY BUILDING SOCIETY SAVE OVER £4,400* ON YOUR MORTGAGE ! 4.75% 4.9% APR (VARIABLE) UNTIL 01/01/98 (Max 85% LTV) CALL DIRECT FREE QUOTE CODE: C4 LINES ARE OPEN Mon-Fri 8am-9pm7/7 Saturday 9am-6pm, Sunday 10am-6pm This should bj read in conjunction with p537 Savings Money News Tax Money Tips