P545 Teletext 545 Fjb10 20:21:56 ————————— FIXED RATES ————————————————— LENDER RATE LTV TERM FEE Hing&Rug 0.5% 70% 1.2.97 £275 Yorkshire 5.99% 85% 3 years £250 Coventry 6.79% 85% 1.3.2001 3% Brit&West 6.99% 90% 28.2.2001 £275 NorthRock 4.24% 90% 1.3.98 £295 Source: John Charcol: London ——————————————————————————————————1/6—— Variable and discount rates >> TELETEXT HOLIDAY VIEWER OFFERS P539 Savings Money News Tax Money TipsP545 Teletext 545 Fjb10 20:13:12 ——————— VARIABLE/DISCOUNT RATES ——————— LENDER RATE LTV DISCOUNT TERM RATE Scarboro 7.4:% 95% 6.40% 1 year 1.39% NatCount 7.4:% 70% 1.50% 5 years 5.99% JCharcol 7.49% 95% 3.00% 1 year 4.49% +3% cashback NorthRoc 7.44% 90% 2.25% 1.3.99 5.19% Halifax 7.40% 90% 3.5% 3.5.98 3.99% ——————— NEGATIVE EQUITY LOANS ————————— Max loan Min income BxScot 7.99% 9.4:% £30,000 £20,000 C&G 7.24% 7.24% 25% 2xincomj Source: John Charcol: London ——————————————————————————————————2/6—— Latest rates for first time buzjrs >> LATEST SHARE PRICES p510 Savings Money News Tax Money TipsP545 Teletext 545 Fjb10 20:53:40 ————————— FIRST TIME BUYERS ——————————— LENDER APR MAX DISCOUNT TERM Bank x Ire 0.99% 95% fix for 6 months +3% discount for six months NorthRock 1.44% 90% 6% off to 1.5.97 Cheshire 7.4:% 90% fix to 1.1.2001 JCharcol 4.4:% 95% 3% off for 1 yr + 3% cashback —————————— CAPPED RATES ——————————————— Barclays 3.75% 95% 30.4.97 fee £100 MortBus 5.99% 95% 1.6.98 fee £299 BrimMids 7.49% 90% 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 Fjb10 20:15:02 ] ————— 100% FOR 1ST/2ND TIME BUYERS ———— LENDER RATE 1ST/2ND FEE TERM Cjntrebk 7.25% Both £250 Feb 1998 Bk Irild 7.74* 2nd £280 variable RBk Scot 7.99% Both none variable RBk Scot 6.75% Both none 13.3.97 TUB 8.19% Both £250 31.1.2001 Source: John Charcol: London ——————————————————————————————————4/6—— Cashback deals >>>> CHECK THE CJTZ INDEX p501 Savings Money News Tax Money TipsP545 Teletext 545 Fjb10 20:12:01 ————— CASHBACK MORTGAGES —————————————— LENDER % OF LOAN MAXIMUM CASHBACK MarkjtHarb up to 6% £5,000 Furnjss up to 5% none Chjlsja 5% £7,500 BrimMids 5% £25,000 NorthRock 6% £9,000 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 Fjb10 20:12:27 ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX Nth/Chm Yr/Chm AV.PRICE Jan:5 1y8^6 p.0% p.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% £v2,171 Jul95 1:y.3 -0.7* -3.1% £61,583 Aug:5 198.7 +0.1% -2.4% £61,389 Sip:5 19y.0 +0.4* -2.0% £61,498 Oct95 1:7.7 +0.2*r -1.8% £61,092 Nov:5 1y8.9 +0.3% -1.4% £61,317 Dec95 199.5 +0.2*r -1.4% £60,901 Jan:5 19y.6 +0.1* -1.2% £60,638 ——————————————————————————————————6/6—— House prices update early March Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Money Tips