P545 Teletext 545 Feb 8 23:05:03 ————————— FIXED RATES ————————————————— rates subject to change LENDER RATE LTV TERM FEE Skipton 0.95% 85% 1 year 0.75% Yorkshire 6.74% 95% 3 years £250 Brit&West 6.99% 90% 1.1.2001 £275 BankxIre 7.99% 95% 1.11.2003 £280 Coventry 6.7:% 85% 1.3.2001 3% Scarboro' 0.95% 85% 1 year 0.75% Source: John Charcol: London ——————————————————————————————————1/7—— Money worries? Write to Family Finance LOW,LOW RATES ON PERSONAL LOANS P538 Savings Money News Tax Your MoneyP545 Teletext 545 Feb 8 23:55:54 ] ————— VARIABLE/DISCOUNTS —————————————— rates subject to change NEW LENDER RATE LTV DISC RATE TERM Scarboro' 7.24% 95% 6.49% 0.75% 1 year Greenwich 7.2:% 95% 3.10% 4.19% 2 yrs Greenwich 7.2:% 95% 2.10% 5.19% 3 yrs HalifaxMSL 7.25% 95% 2.00% 5.25% 3\ yrs NorthRock 7.49% 90% 1.75% 5.74% 5 yrs Source: John Charcol: London ——————————————————————————————————2/7—— First time buzjr & capped rates >>> For information on EPILEPSY see HEALTHWJSE p559 Savings Money News Tax Your MoneyP545 Teletext 545 Feb 8 23:56:15 ————————— FIRST TIME BUYERS ——————————— rates subject to change LENDER APR MAX DISCOUNT TERM Midland 5.99% 95% expires 26.2.99 Briannia 7.74% 95% fixed for 5 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 8.45% 95% 5 years £295 ——————————————————————————————————3/7—— 100% Mortgages >>>> Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Your MoneyP545 Teletext 545 Feb 8 23:56:35 ————— 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 RBKxScot 7.99% Both £250 6.3.99 RBkxScot 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 7.22% 7.22% 25% 2.5xwagj Source: John Charcol: London ——————————————————————————————————4/7—— Cashback deals >>>> GUARANTEE YOUR MORTGAGE RATE ] UNTIL 01.02^2005! SEE PAGE v23 Savings Money News Tax Your MoneyP545 Teletext 545 Feb 8 22:54:08 ————— CASHBACK MORTGAGES —————————————— rates subject to change LENDER % OF LOAN MAXIMUM CASHBACK Newcastle 5.5% £13,750 BiroMidsMSL 5% £25,000 NorthRock 6% £6,000 Source: John Charcol: London ——————————————————————————————————5/7—— Halifax house price index >>>> Download and Analysj Shari Prices on Your PC See Pages 532 & 533 Savings Money News Tax Your MoneyP545 Teletext 545 Feb 8 22:57:15 ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX Nth/Chm Yr/Chm AV.PRICE Jan:6 196.3 +0.5%r -1.2% £60,638 Feb:6 200.6 +0.7*r +0.2* £61,971 Mar=6 204.6 +1.1% +1.7% £63,210 Apry6 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 20y.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* +7.1% £65,427 Nov:6 212.7 +0.6% +7.2% £65,733 Dec96 213.7 +1.1%r +8.4% £66,071 Jan:7 210.1 -0.6% +7.1% £64,918 ——————————————————————————————————6/7—— House prices update early March Download and Analysj Share Prices on Your PC See Pages 532 & 533 Savings Money News Tax Your MoneyP545 Teletext 545 Feb 8 23:07:10 ADVERT MORTGAGES >>>> PROTECT YOURSELF AGAINST RISING INTEREST RATES With a Capped Rate Mortgage from the Coventry Building Society GUARANTEED not to rise above 7^y0% BKF#RJ 01^02^2002 but it can fall ] CURRENTLY 7.25% ] 7.5% APR (VARJABLJ* ] (MAX 95% LTV) To find out more contact your nearest branch or call: QUOTE CODE:C4 LINES ARE OPEN Mon-Sun 8am-9pm MUST BE READ IN CONJUNCTION WITH P623 Savings Money News Tax Your Money