P545 Teletext 545 Oct46 22:11:42 —————— LATEST FIXED RATES ————————————— rates subject to change LENDER RATE LTV TERM FEE Sst&Swim 3.49% 95% 1 year £199 North Rock 4.89) 75% 1.1.2000 £350 North Rock 6.45% 75% 1.1.2003 £470 Woolwich 6.79% 95% 1.11.2000 £350 SSipton 5.25% 90% 30.11.1999 £150+ BirmMids 6.39) 95) 30.10.2000 £295 Source: John Charcol: London ——————————————————————————————————1/8—— Money worries? Write to Family Finance LOWEST LOAN ARESEVER SEE PAGE 538 IMMEDIATE ANSWER HAVE SPARE XMAS CASH Savings Money News Tax Your MoneyP545 Teletext 545 Oct46 22:21:23 ————— VARIABLE AND DISCOUNT ——————————— rates subject to change NEW LENDER RATE LTV DISC RATE TERM Scarboro' 8.44% 80% 6.99) 1.45% 1 year First Mort 8.20% 80% 3.05) 5.15% 2 yrs JCharcol 8.45% 95% 1.50% 6.95% 3 yrs NorthRock 8.45% 90% 2.25) 6.20% 4 yrs Nationwide 8.10% 90) 1.35) 6.75% 5 yrs JCharcol 8.45% 95) 1.00) 7.45% 5 yrs Source: John Charcol: London ——————————————————————————————————4/8—— First time buyer & capped rates >>> ANY PURPOSE LOANS - SEE PAGE 647 OR CALL FREE ON 0800 269315 Savings Money News Tax Your MoneyP545 Teletext 545 Oct46 22:47:00 Advert MORTGAGES >>>> , O Call now for one of the best rates on the market: 6.69) (Apr 7.2%) 5 Year Fixed Rate Mortgage Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Written quotations on request. 8am-7pm Mon-Ere 0800 0800 88 FirstMortgagj 9.00am-2.00pm Sat the direct choice Savings Money News Tax Your MoneyP545 Teletext 545 Oct46 22:23:56 —————— FIRST TIME BUYER RATES ————————— rates subject to change LENDER APR MAX DISCOUNT TERM JCharcol 6.85) 90% fix to 5.1.2000 JCharcol 8.45) 90% 1.5% off 3 yrs Nationwide 8.10% 90% 2.35% off 2 yrs BirmMids 6.39% 95% fix for 3 yrs Woolwich 6.79) 95% fix to 1.12.2002 NorthRock 8.45) 90% 1.5% off 4 yrs —————————— CAPPED RATES ——————————————— Principal 6.99) 85% five years £250 Covjntty 7.60% 95% 30.9.2002 £345 JCharcol 7.99% 95) 5-years £295 Halifax 7.79) 95% 31.1.2002 £195 ——————————————————————————————————4/8—— 100% Mortgages >>>> Looking for the right mortgage? Get WHAT MORTGAGE magazine NOW! Savings Money News Tax Your MoneyP545 Teletext 545 Oct46 22:12:12 ———— 100% FOR 1ST/2ND TIME BUYERS ———— rates subject to change LENDER RATE 1ST/2ND FEE TERM/FIX Cjntti 7.94% Both £250 one year Yorkshire 8.45% 2nd £295 variable RBSxScot 8.59% Both £295 5-yr fix RBSxScot 8.49% Both £250 3-yr fix —————— NEGATIVE EQUITY ———————————————— RATE LOAN -VE EQUITY INCOME Cjntti 8.94% 10.44% £30,000 £20,000 C&G 8.45% 8.45% 25% 2.5xwagj Source: John Charcol: London ——————————————————————————————————5/8—— Cashback deals >>>> WHAT'S ON AT YOUR LOCAL CINEMA? p460 Savings Money News Tax Your MoneyP545 Teletext 545 Oct46 22:17:17 Advert MORTGAGES >>>> O One free call finds you the right mortgage. Current offers include: 5.15% 2 yr DISC (APR 5.8%) 6.25% 3yr FIX (APR 6.7%) 6.69% 5yr FIX (APR 7.2%) 7.6 % 5yr CAP (APR 8%) 7.99) 10yr FIX (APR 9.9%) 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. 8am-7pm Mon-Ere 0800 0800 88 FirstMortgage 9.00am-2.00pm Sat the direct choice Savings Money News $ax Your MoneyP545 Teletext 545 Oct46 22:17:46 ————————— CASHBACS DEALS —————————————— LENDER PERCENTAGE CASHBACS Berm Mids 5% £25,000 NorthRock 6% £15,000 Source: John Charcol ——————————————————————————————————7/8—— Halifax house price index >>> WHAT'S ON AT YOUR LOCAL CINEMA? p460 Savings Money News Tax Your MoneyP545 Teletext 545 Oct46 22:18:21 ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX MthOChn Yt/Chm AV.PRICE Sip:6 209.4 -0.3)r +5.2% £64,692 Oct96 211.8 +1.9)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 Aug:7 223.5 +0.5) +6.4% £69,055 Sip:7 223.3 +0.2% +6.9% £69,180 ——————————————————————————————————8/8—— House prices update early Novjmbjt WHAT'S ON AT YOUR LOCAL CINEMA? p460 Savings Money News Tax Your Money