P545 Teletext 545 Jan21 18:54:28 ————————— FIXED RATES ————————————————— rates subject to change LENDER RATE LTV TERM FEE Yorkshire 7.10% 95% 4 years £250 Yorkshire 6.74% 95% 3 years £250 Woolwich 5.48% 95% 1.3.99 £195 @BankxIti 7^99% 95% 1.11.2003 £280 Coventry 6.7:% 85% 1.3.2001 £370 Scarboro' 0.95% 85% 1 year 0.75% Source: John Charcol: London ——————————————————————————————————1/6—— Money worries? Write to Family Finance LATEST SHARE PRICES p510 Savings Money News $ax Your MoneyP545 Teletext 545 Jan21 18:52:29 ————— VARIABLE/DISCOUNTS —————————————— rates subject to change NEW LENDER RATE LTV DISC RATE TERM Scarboro' 7.25% 95% 6.49% 0.75% 1 year Greenwich 7.2:% 95% 3.10% 4.19% 2 yrs Yorkshire 6.94% 95% 2.00% 4.94% 1 year then 1.00% 5.94% 2 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 buyer & capped rates >>> For information on COUGHS see HEALTHWJSE p559 Savings Money News Tax Your MoneyP545 Teletext 545 Jan21 18:54:50 ] ————————— FIRST TIME BUYERS ——————————— rates subject to change LENDER APR MAX DISCOUNT TERM JCharcol 7.95% 95% 6.99% 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 £300 Skipton 7.95% 95% 31.12.2001 £295 Yorshire 8.99% 95% 7 years £250 JCharcol 7.95% 95% 5 years £295 ——————————————————————————————————3/6—— 100% Mortgages >>>> Download and Analyse Share Prices on Your PC See Pages 532 & 533 Savings Money News $ax Your MoneyP545 Teletext 545 Jan21 18:53:11 ————— 100% FOR 1ST/2ND TIME BUYERS ———— rates subject to change LENDER RATE 1ST/2ND FEE TERM/FIX BkxScot 6.75% Both nil one year Yours 7.19% Both nil variable "BKxScot 7.99% Both £200 6.3.99 RBkxScot 8.89% Both £200 17.1.2002 —————— NEGATIVE EQUITY ———————————————— RATE LOAN -VE EQUITY INCOME BkxScot 7.74* 9.24* £30,000 £20,000 C&G 6.94% 6.94% 25% 2.5xwage Source: John Charcol: London ——————————————————————————————————4/6—— Cashback deals >>>> LATEST SHARE PRICES p510 Savings Money News Tax Your MoneyP545 Teletext 545 Jan21 18:51:26 ————— CASHBACK MORTGAGES —————————————— rates subject to change LENDER % OF LOAN MAXIMUM CASHBACK Newcastle u.5% £13,750 Chjlsja 5% £10,000 BirmMidsMSL 5% £25,000 NorthRock 6% £6,000 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 Your MoneyP545 Teletext 545 Jan21 18:51:07 ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX Nth/Chm Yr/Chm AV.PRICE Dec95 197^1 +0.2*r -1.4% £60,:01 Jan:6 1yv.3 +0.1*r -1.2% £60,638 Feb:6 200.6 +1.0% +0.2% £61,971 Mary6 204^6 +1.1% +1.7% £63,210 Apr=6 207.2 +0.9% +2.7% £64,009 May:6 209.3 +0.9% +4/6% £64,679 Jun:6 20y.2 -0.4* +4.0% £64,653 Jul96 209.9 +0.5% +5.3% £64,870 Aug96 210.0 +0.4% +5.7% £64,878 Sip:6 209.4 +0.1% +5.2% £64,692 Oct9v 211.8 +1.7% +7.1% £65,427 Nov:6 212.7 +0.6%r +7.2% £65,733 Decy6 21s.7 +1.2* +8.4% £v6,831 ——————————————————————————————————6/6—— House prices update early February Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News $ax Your Money