P545 Teletext 545 Apr28 22:11:52 ————————— FIXED RATES ————————————————— rates subject to change LENDER RATE LTV TERM FEE Hing&Rug 0.5% 70% 12 months £250 MortTrust 5.95% 95% 31.3.99 £295 Brit&West 5.99% 90% 3 years £275 Coventry 6.79% 85% 1.3.2001 3% 1stMortg 3.95% 75% 1.5.98 £275 Source: John Charcol: London ——————————————————————————————————1/6—— Variable and discount rates >> TELETEXT HOLIDAY VIEWER OFFERS P539 Savings Money News Tax Money TipsP545 Teletext 545 Apr28 22:13:57 —————— VARIABLE/DISCOUNT RATES ———————— rates subject to change new LENDER RATE LTV DISC rate TERM Scarbor 7.24% 95% 5.94% 1.3% 1 yr John Ch 7.24% 95% 3% 4.24% 1 yr + 3% cashback Principl 6.74% 90% 3.14% 3.60% 1.7.98 NorthRk 7.24% 90% 2.50% 4.74% 1.5.99 Halifax 7.25% 90% 1.76% 5.49% 5 yrs Source: John Charcol: London ——————————————————————————————————2/6—— First time loans & capped rates > LATEST SHARE PRICES p510 Savings Money News Tax Money TipsP545 Teletext 545 Apr28 21:13:57 ————————— FIRST TIME BUYERS ——————————— rates subject to change LENDER APR MAX DISCOUNT TERM Bank x Ire 0.99% 95% fix for 6 months +3% discount for six months NorthRock 1.24% 90% 6% off to 1.5.97 Abbey Nat 5.94% 95% dis to 31.5.2001 JCharcol 4.24% 95% 3% off for 1 yr + 3% cashback —————————— CAPPED RATES ——————————————— Barclays 3.75% 95% 30.4.97 fee £100 MortBus 5.95% 90% 1.6.98 fee £299 ——————————————————————————————————3/6—— 100% Mortgages >>>> Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Money TipsP545 Teletext 545 Apr28 22:10:53 ————— 100% FOR 1ST/2ND TIME BUYERS ———— rates subject to change LENDER RATE 1ST/2ND FEE TERM Cjnttibk 6.74% Both £250 30.4.97 Bk Irild 7.49% 2nd £280 variable RBk Scot 6.79% Both none 28.3.97 TUB 8.19% Both £250 31.1.2001 —————— NEGATIVE EQUITY ———————————————— RATE LOAN -VE EQUITY INCOME BkxScot 7.74% 9.24% £30,000 £20,000 C&G 6.95% 6.95% 25% 2.5xwagj Source: John Charcol: London ——————————————————————————————————4/6—— Cashback deals >>>> LATEST SHARE PRICES p510 Savings Money News Tax Money TipsP545 Teletext 545 Apr28 22:12:47 ————— CASHBACK MORTGAGES —————————————— rates subject to change LENDER % OF LOAN MAXIMUM C—SHB—CK Furnjss up to 5% none Chjlsja 5% £10,000 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 Apr28 22:11:54 ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX Nth/Chm Yr/Chm AV.PRICE 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 Aug:5 198.7 +0.1% -2.4% £61,389 Sip:5 199.0 +0.4% -2.0% £61,498 Oct95 197.7 +0.2% -1.8% £61,092 Nov:5 198.5 +0.3% -1.4% £61,317 Dec95 197.1 +0.2% -1.4% £60,901 Jan:6 196.3 +0.2% -1.2% £60,638 Feb:6 200.6 +1.0%r +0.2% £61,971 Mar96 204.6 +1.2% +1.7% £63,210 ——————————————————————————————————6/6—— House prices update early May Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Money Tips