P545 Teletext 545 Jun21 01:20:29 &j5j}j5 j5j}j}j}j}|h| ————————— FIXED RATES ————————————————— rates subject to change LENDER RATE LTV TERM FEE Scarboro' 1.25% 85% 1 year 0.75% Woolwich 6.49% 95% 1.8.2000 £295 NorthRock 4.69) 90% 1.7.1999 £470 Coventry 7.10% 85% 30.9.2002 £295 BkxIri 7.39% 90% 1.3.2002 £280 Source: John Charcol: London ——————————————————————————————————1/8—— Money worries? Write to Family Finance LOW RATES ON PERSONAL LOANS FROM 9.9% SEE p 538 OR PHONE 0116 277 9999 Savings Money News Tax Your MoneyP545 Teletext 545 Jun21 01:21:00 ————— VARIABLE/DISCOUNTS —————————————— rates subject to change NEW LENDER RATE LTV DISC RATE TERM Scarboro' 7.59% 80% 6.84% 0.75% 1 year Hing&Rugby 7.59) 80% 3.00) 4.59% 2 yrs Hing&Rugby 7.59) 80% 1.30% 6.29) 5 yrs Nationwide 7.35% 90% 1.50% 5.85% 5 yrs Nationwide 7.35% 90% 1.50% 5.85% 5 yrs Source: John Charcol: London ——————————————————————————————————2/8—— First time buyer & capped rates >>> ANY PURPOSE LOANS - SEE PAGE 627 OR CALL FREE ON 0800 269315 Savings Money News Tax Your MoneyP545 Teletext 545 Jun21 01:24:21 ————————— FIRST TIME BUYERS ——————————— rates subject to change LENDER APR MAX DISCOUNT TERM HalifaxMSL 7.49% 95% fix to 1.4.2004 JCharcol 6.75% 90% fixed 2 years Coventry 7.95) 95% 2% off for 2 yrs to give 5.95% Nationwide 7.35% 90% 1.35% off for 3 yrs to give 6% —————————— CAPPED RATES ——————————————— Skipton 8.49% 80) 10 years £150+ Covjntty 7.60% 95% 30.9.2002 £295 Yorkshire 8.65% 95% 5-years £250 JCharcol 7.99) 95% 5-years £295 ——————————————————————————————————3/8—— 100% Mortgages >>>> For a mortgage that adjusts to your changes in life, see page 617 Savings Money News Tax Your MoneyP545 Teletext 545 Jun21 01:31:44 X ————— 100) FOR 1ST/2ND TIME BUYERS ———— rates subject to change LENDER RATE 1ST/2ND FEE TERM/FIX Cjntti 7.44* Both £250 one year Yorkshire 7.54% 2nd £2:5 variable RBSxScot 8.39) Both £295 5-yr fix RBSxScot 8.29% Both £250 3-yr fix —————— NEGATIVE EQUITY ———————————————— RATE LOAN -VE EQUITY INCOME Cjntti 8.44* 9.94* £30,000 £20,000 C&G 7.95% 7.95% 25) 2.5xwagj Source: John Charcol: London ——————————————————————————————————4/8—— Cashback deals >>>> MORTGAGE RATE CAPPED AT 7.60% UNTIL 30.09.2002 SEE p623 Savings Money News Tax Your MoneyP545 Teletext 545 Jun21 01:22:05 Advert Mortgages >>> that adapts to lifer ups & downs O For a more flexible mortgage Savings Money News Tax Your MoneyP545 Teletext 545 Jun21 01:22:14 ————————— CASHBACS DEALS —————————————— LENDER PERCENTAGE CASHBACS Berm Mids 5% £25,000 NorthRock 6% £9,000 Abbey 7% £12,000 Newcastle 6% £15,000 Source: John Charcol ——————————————————————————————————6/8—— 100% Mortgages >>>> FUN AND GAMES INDEX p150 Savings Money News Tax Your MoneyP545 Teletext 545 Jun21 01:39:47 X ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX MthOChn Yr/Chm AV.P ICE May:6 209.3 +1.2*r +4.6% £64,679 Jun:6 209.2 -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 Oct96 211.8 +1.7% +7.1% £65,427 Nov:6 212.7 +0.6) +7.2% £65,733 Dec96 213.7 +1.1% +8.4% £66,071 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 +0.3% +6.6% £68,226 May:7 223.1 +0.1% +6.6% £68,930 ——————————————————————————————————7/8—— House prices update early July FUN AND GAMES INDEX p150 Savings Money News Tax Your MoneyP545 Teletext 545 Jun21 01:20:18 ADVERT MORTGAGES >>>> PROTECT YOURSELF AGAINST RISING INTEREST RATES With a Capped Rate Mortgage from the Coventry Building Society GUARANTEED not to rise above 7.60% BEFORE 30.09.2002 but it can fall CURRENTLY 7.60% 7.8% APR XVARJABLE) (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