P545 Teletext 545 Dec30 20:48:52 X ————————— FIXED RATES ————————————————— LENDER RATE LTV TERM FEE Hing&Rug 0.5% 70% 1.1.97 £275 Yorkshire 6.25% 85% 3 years £250 Cheshire 7.49% 90% 1.1.2001 £195 First Mort 4.20% 75% 1.1.98 £275 Source: John Charcol: London ——————————————————————————————————1/6—— Variable and discount rates >> LATEST SHARE PRICES p510 Savings Money News Tax Money TipsP545 Teletext 545 Dec30 20:42:11 ——————— VARIABLE/DISCOUNT RATES ——————— subject to change LENDER RATE LTV DISCOUNT TERM RATE Grienw'h 7.99% 95% 3.50% 2 years 4.49% NatCount 7.49% 70% 1.50% 5 years 6.49% NorthRoc 7.59% 90% 2.25% 1.2.99 5.34% NorthRoc 7.59% 90% 6.00% 1.2.97 1.44% ——————— NEGATIVE EQUITY LOANS ————————— Max loan Min income BxScot 8.34% 10.34% £30,000 £20,000 C&G 7.73% 7.73% 25% 2xincomj Source: John Charcol: London ——————————————————————————————————2/6—— Latest rates for first time buyers >> Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Money TipsP545 Teletext 545 Dec30 20:41:47 ————————— FIRST TIME BUYERS ——————————— subject to change LENDER APR MAX DISCOUNT TERM Bank x Ire 0.99% 95% fix to 1.1.97 Greenwich 4.49% 95% 2 year discount NorthRock 1.44% 90% 6% off to 1.2.97 Cheshire 7.49) 90% fix to 1.1.2001 —————————— CAPPED RATES ——————————————— Barclays 3.99% 95% 31.1.97 fee £100 HalifaxMSL 4.65% 80% 1 year fee £295 HypoMSL 7.99% 95% 1.1.2001 fee £295 ——————————————————————————————————3/6—— 100% Mortgages >>>> Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Money TipsP545 Teletext 545 Dec30 20:41:41 ————— 100% FOR 1ST/2ND TIME BUYERS ———— subject to change LENDER RATE 1ST/2ND FEE TERM Cjnttebk 7.49% Both £250 August 96 Bk Irild 7.99% 2nd £280 variable RBk Scot 7.94% Both none variable RBk Scot 6.75% Both none 11.2.97 TUB 8.44% Both £250 30.9.2000 Source: John Charcol: London ——————————————————————————————————4/6—— Cashback deals >>>> CHECK THE CITY INDEX p501 Savings Money News Tax Money TipsP545 Teletext 545 Dec30 20:48:21 ————— CASHBACK MORTGAGES —————————————— subject to change LENDER % OF LOAN MAXIMUM CASHBACK MarkjtHarb up to 6% £5,000 Furnjss up to 5% none Chjlsja 5% £7,500 HypoMSL 5% £25,000 Source: John Charcol: London ——————————————————————————————————5/6—— Halifax house price index >>> Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Money TipsP545 Teletext 545 Dec30 20:48:30 ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX Nth/Chm Yr/Chm AV.PRICE Nov:4 201.2 -0.1% -1.0% £62,169 Dec94 199.9 0.3% -0.2% £61,776 Jan95 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% -2.0% £61,498 Oct95 197.7 +0.2%r -1.8% £61,092 Nov:5 198.9 +0.3% -1.4% £61,317 ——————————————————————————————————6/6—— House prices update early January Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Money Tips