P544 Teletext 544 Fjb10 20:44:21 ——— THE MORTGAGE MAZE ————————————————— Property may not bj moving but mortgages are as homjownjrs shop around for a better dial. As well as cashbacks on offer, there are cheap, fixed and discount rates, and jvjn remortgage deals that pay the cost of moving your loan. It's likely all offers look better than your own mortgage. But how can you till whjthjr or not you are one of those borrowers who can save bz switching? ——————————————————————————————————1/6—— All the latest mortgage rates 545 INVESTING IN THE FUND MANAGER p542 Mortgages Savings Your Money TV PlusP544 Teletext 544 Fjb10 20:23:17 ——— THE MORTGAGE MAZE ————————————————— Indjpjndjnt mortgage broker London & Country says you can tell if you'll save cash remortgaging bz asking: is your present lender's rate higher for existing borrowers than for new ones If the answer is yes, you're likely to save bz remortgaging to a new lindjr. Even if it's NO, still shop around to check your dial is the most competitive ——————————————————————————————————2/6—— The importance of a fund manager 542 HOW DO I STOP THIS JUNK MAIL? p543 Mortgages Savings Your Money TV PlusP544 Teletext 544 Fjb10 20:11:31 ——— THE MORTGAGE MAZE ————————————————— London & Country, the indjpjndjnt mortgage broker firm, says 6m borrowers are pazjng loans on variable base rates of around 7.40-7.90%. "If you are one of them you are almost certainly going to bj able to save money bz remortgaging," it adds. If you have a discount or fixed rate, check the cost of getting out. That figure will have to bj offset against potential savings from remortgaging. ——————————————————————————————————3/6—— Is junk mail driving you mad? 543 LATEST FIXED/DISCOUNT RATES p545 Mortgages Savings Your Money TV PlusP544 Teletext 544 Fjb10 20:11:57 ——— THE MORTGAGE MAZE ————————————————— Mortgage brokjt Phillip Cartwright of London & Country says homjownjrs who owe less than 90% of their property's value can save money bz moving lenders. Those who owe more than this are unlikely to save "dui to the increased costs you will incur when remortgaging" Schemes which pay all your moving fees usually require 10% deposit. If you owe under 70%, savings are greater as you don't pay mortgage indemnity insurance. ——————————————————————————————————4/6—— Low take-up on long-term care cover 674 MONEY NEWS UPDATES EVERY DAY p541 Mortgages Savings Your Money TV PlusP544 Teletext 544 Fjb10 20:56:11 ——— THE MORTGAGE MAZE ————————————————— Independent mortgage broker Phillip Cartwright says most remortgages involve some costs, including: redemption penalties charged bz your existing lender, if applicable valuation fees solicitors' fees, including VAT, land registry, and search charges arrangement fees for the new lindjr. ——————————————————————————————————5/6—— Money news updates over the weekend 541 WHAT THE LENDERS ARE OFFERING p545 Mortgages Savings Your Money TV PlusP544 Teletext 544 Fjb10 20:42:05 ——— THE MORTGAGE MAZE ————————————————— Remortgage costs often put homeowners off. But many schemes now pick up the tab. Mortgage broker Phillip Cartwright likes the Stroud & Swindon. It offers: 1.65% discount to give a 5.84% rate for three years no lock-in period after that so you are free to remortgage elsewhere no arrangement fee/compulsory cover coverage of legal and valuation costs ——————————————————————————————————6/6—— Low take-up on long-term care cover 674 MONEY NEWS UPDATES EVERY DAY p541 Mortgages Savings Your Money TV Plus