P545 Teletext 545 Jan 9 22:16:44 ————————— FIXED RATES ————————————————— rates subject to change LENDER RATE LTV TERM FEE Yorkshire 5.49% 95% 2 years £250 Yorkshire 7.10% 95% 4 years £250 Brit&West 7.48% 90% 1.10.2001 £275 BankxIre 7.99% 95% 1.11.2003 £280 Scarboro' 0.95% 85% 1 year £370 Source: John Charcol: London ——————————————————————————————————1/6—— Money worries? Write to Family Finance LATEST SHARE PRICES p510 Savings Money News Tax Your MoneyP545 Teletext 545 Jan 9 22:32:09 ————— VARIABLE/DISCOUNTS —————————————— rates subject to change NEW LENDER RATE LTV DISC RATE TERM Scarboro' 7.25% 95% 6.49% 0.75% 1 year Coventry 7.25% 85% 3.19% 4.06% 2 yrs Greenwich 7.2:% 95% 2.10% 5.19% 3 yrs HalifaxMSL 7.25% 95% 2.00% 5.25% 3\ yrs Hing&Rugby 7.25% 80% 1.40% 5.85% 5 yrs Source: John Charcol: London ——————————————————————————————————2/6—— First time buzjr & capped rates >>> For information on MINERALS see HEALTHWJSE p559 Savings Money News Tax Your MoneyP545 Teletext 545 Jan 9 22:13:14 ————————— FIRST TIME BUYERS ——————————— rates subject to change LENDER APR MAX DISCOUNT TERM JCharcol 7.95% 95% 6.84% with 7.95% cap for 5 years Coventry 7.25% 95% 3.19% off- 2 yrs HalifaxMSL 7.25% 95% 2% off - 3\ yrs Yorkshire 7.10% 95% fixed for 4 yrs —————————— CAPPED RATES ——————————————— Coventry 7.90% 95% 1.2.2002 £250 Skipton 7.95% 95% 31.12.2001 £295 MortBus 5.95% 90% 1.9.98 £299 JCharcol 7.95% 95% 5 years £295 ——————————————————————————————————3/6—— 100% Mortgages >>>> Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Your MoneyP545 Teletext 545 Jan 9 22:14:02 ————— 100% FOR 1ST/2ND TIME BUYERS ———— rates subject to change LENDER RATE 1ST/2ND FEE TERM/FIX BkxScot 6.74% Both £250 1.1.98 BkxIri 7.24% 2nd £280 variable Yours 6.84% Both nil variable RBk Scot 8.95% Both £250 18.3.2002 —————— NEGATIVE EQUITY ———————————————— RATE LOAN -VE EQUITY INCOME BkxScot 7.74% 9.24% £30,000 £20,000 C&G 6.94% 6.94% 25% 2.5xwagj Source: John Charcol: London ——————————————————————————————————4/6—— Cashback deals >>>> LATEST SHARE PRICES p510 Savings Money News Tax Your MoneyP545 Teletext 545 Jan 9 22:14:44 ————— CASHBACK MORTGAGES —————————————— rates subject to change LENDER % OF LOAN MAXIMUM CASHBACK Newcastle 5% £12,500 Chjlsja 5% £10,000 BirmMidsMSL 5% £25,000 Source: John Charcol: London ——————————————————————————————————5/6—— Halifax house price index >>>> Download and Analysj Shari Prices on Your PC See Pages 532 & 533 Savings Money News Tax Your MoneyP545 Teletext 545 Jan 9 22:14:18 ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX Nth/Chm Yr/Chm AV.PRICE Nov:5 198.5 +0.5%r -1.4% £61,317 Dec95 197.1 +0.1%r -1.4% £60,901 Jan:6 196.3 +0.2% -1.2% £60,638 Feb:6 200.6 +1.0% +0.2% £61,971 Mar96 204.6 +1.1% +1.7% £63,210 Apr96 207.2 +0.9% +2.7% £64,009 May:6 209.3 +0.9% +4.6% £64,679 Jun:6 209.2 -0.4% +4.0% £64,653 Jul96 209.9 0.5% +5.3% £64,870 Aug:6 210.0 0.4% +5.7% £64,878 Sip:6 209.4 0.1% +5.2% £64,692 Oct96 211.8 1.7%r +7.1% £65,427 Nov:6 212.8 0.5% +7.2% £65,733 ——————————————————————————————————6/6—— House prices update early January Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Your Money