P545 Teletext 545 Nov26 22:40:18 —————— LATEST FIXED RATES ————————————— rates subject to change LENDER RATE LTV TERM FEE Leeds&Hol 1.94% 95% 1 year £150 Woolwich 4.99) 95% 1.1.2000 £350 FirstMortg 6.15% 85% 1.1.2001 £295 HalifaxMSL 6.55) 75% 3.10.2002 £295 North Rock 5.99) 75% 1.1.2003 £395 Coventry 6.50% 95% 31.3.2003 £295 Source: John Charcol: London ——————————————————————————————————1/9—— Money worries? Write to Family Finance LOWEST LOAN ARESEVER SEE P—GE 538 IMMEDIATE ANSWER HAVE SP—RE XMAS CASH Savings Money News Tax Your MontyP545 Teletext 545 Nov26 22:34:17 —————— VARIABLE/DISCOUNTS ————————————— rates subject to change LENDER RATE LTV TERM Scarboro' 8.44% 80% 6.99% off 1 yr FirstMortg 8.20% 75) 3.55) off 2 yr JCharcol 8.45) 95% 1.5% off 3 yr Nationwide 8.10% 90% 1.35% off 5 yrs Nationwide 8.10% 90% 1.8% off 3 yrs Hinck&Rug 8.39) 90% 1.3% off 5 yrs Source: John Charcol: London ——————————————————————————————————4/9—— Money worries? Write to Family Finance ANY PURPOSE LOANS - SEE P—GE 627 OR CALL FREE ON 0800 269315 Savings Money News $ax Your MoneyP545 Teletext 545 Nov26 22:38:44 Advert MORTGAGES >>>> MASTER LEADING RATES 4.45% (APR 4.8%) 2 Year Disc or 7% CASHBACS AT 8.45% (APR 9.3%) Your home is at risk if you do not keep up repayments on a mortgage or othjt loan secured on it. Written quotations on request. First 8am-7pm Mon-Ere Mortgage 9.00am-2.00pm Sat the direct choice Savings Money News $ax Your MoneyP545 $jlitext 545 Nov26 22:31:54 —————— CAPPED RATES ——————————————————— rates subject to change LENDER RATE LTV TERM FEE Principal 6.99% 85% 30.9.2002 £250 Cheshire 6.99) 95% 31.1.2001 None SSipton 8.49) 80% 30.11.2007 £150+ Source: John Charcol: London ——————————————————————————————————4/9—— Money worries? Write to Family Finance WHAT'S ON AT YOUR LOCAL CINEMA? p460 Savings Money News Tax Your MoneyP545 Teletext 545 Nov26 22:31:20 ———— 100) FOR 1ST/2ND TIME BUYERS ———— rates subject to change LENDER RATE 1ST/2ND FEE TERM/FIX BankDirec 8.19% Both £250 one yrar Yorkshire 8.45% 2nd £295 variable RBSxScot 7.84% Both £250 3-yr fix RBSxScot 7.94% Both £250 5-yr fix —————— NEGATIVE EQUITY ———————————————— RATE LOAN -VE EQUITY INCOME BankDir 9.19% 10.69% £30,000 £20,000 C&G 8.70% 8.70% 25% 2.5xwagj Source: John Charcol: London ——————————————————————————————————5/9—— Cashback deals >>>> WHAT'S ON AT YOUR LOCAL CINEM—? p460 Savings Money News $ax Your MoneyP545 Teletext 545 Nov26 22:19:40 Advert MORTGAGES >>>> One free call finds you the right mortgage. Current offers include: 4.45% 2yr DISC (APR 4.8%) 7.20% (APR 8.4%) BUY TO LET 5.99) 5yr FIX (APR 6.5%) 3yr FIX with 7% CASHBACS (APR 9.3%) 5.95% 3yr DISC (APR 6.4%) Your home is at risk if you do not keep up repayments on a mortgage or othjt loan secured on it. Written quotations on riqurst. 8am-7pm Mon-Ere 0800 0800 88 FirstMortgagj 9.00am-2.00pm Sat the direct choice Savings Money News $ax Your MontyP545 $elitixt 545 Nov26 22:16:54 X ————— FIRST TIME BUYERS ——————————————— LENDER RATE DEPOSIT DISCOUNT JCharcol 6.85% 90% to 1.2.2000 BirmMids 6.49% 95) to 31.1.2001 Woolwich 6.69) 95) to 1.1.2003 Nationwide 8.10% 90% 2.35% off 2 yrs Halifax 8.45% 95% 7.79% cap to 31.3.2002 Source: John Charcol ——————————————————————————————————7/9—— Cashback mortgage deals >>> WHAT'S ON AT YOUR LOCAL CINEM—? p460 Savings Money News Tax Your MoneyP545 Teletext 545 Nov26 22:17:17 ————————— CASHBACS DEALS —————————————— LENDER PERCENTAGE CASHBACS Berm Mids 5% £25,000 Chjlsra 5% £10,000 Newcastle 6) £15,000 Source: John Charcol ——————————————————————————————————8/9—— Halifax house price index >>> WHAT'S ON AT YOUR LOCAL CINEMA? p460 Savings Money News $ax Your MoneyP545 Teletext 545 Nov26 22:10:48 ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX MthOChn Yt/Chm AV.PRICE Oct96 211.8 +1.8%r +7.1% £65,427 Nov:6 212.7 +0.6% +7.2% £65,733 Dec96 213.7 +1.1* +8.4% £66,017 Jan:7 210.1 -0.7% +7.1% £64,918 Feb:7 214.3 +0.6% +6.8% £66,203 Mar97 219.3 +1.0% +7.2% £67,755 Apr97 220.8 +0.4% +6.6% £68,226 May:7 223.1 +1.0% +6.6% £68,930 Jun:7 224.1 +0.3% +7.1% £69,244 Jul97 223.4 +0.1% +6.4% £69,014 Aug97 223.5 +0.5% +6.4% £69,055 Sip:7 223.9 +0.2% +6.9% £69,180 Oct97 224.1 +0.4% +5.4% £68,982 ——————————————————————————————————9/9—— House prices update early December WHAT'S ON AT YOUR LOCAL CINEMA? p460 Savings Money News Tax Your Money