P545 Teletext 545 Dec27 23:34:01 —————— LA$EST FIXED RATES ————————————— rates subject to change LENDER RATE LTV TERM FEE Bristol&W 4.95) 75% 1.1.2000 £495 SSipton 5.25) 90) 31.1.2000 £150+ NRock 5.99) 75% 1.2.2003 £395 Birmingham 6.25) 90% 31.1.2001 £295 HalifaxMSL 6.55) 75% 3.10.2002 £295 Nationwide 6.99% 95% 5 years £295 Source: John Charcol: London ——————————————————————————————————1/9—— Money worries? Write to Family Finance LOWEST LOAN RATES EVER SEE P—GE 538 IMMEDIATE ANSWER HAVE SPARE XMAS CASH Savings Money News $ax Your MoneyP545 Teletext 545 Dec47 23:48:41 —————— VARIABLE/DISCOUNTS ————————————— rates subject to change LENDER RATE LTV TERM Nationwide 8.10) 90% 1.8) off 3 yrs Nationwide 8.10% 90% 1.35% off 5 yrs Chjlsja 8.35% 80% 2.75% off 2 yrs Scarboro' 8.44% 80) 6.99) off 1 yr Bristol&W 8.45) 90% 3% off 2 yr JCharcol 8.70) 95) 1.5) off 3 yr Source: John Charcol: London ——————————————————————————————————4/9—— Money worries? Write to Family Finance ANY PURPOSE LOANS - SEE PAGE 627 OR CALL FREE ON 0800 269315 Savings Money News $ax Your MoneyP545 $elitext 545 Dec47 23:11:01 Advert MORTGAGES >>>> A GIFT OF A RATE 5.59) (APR 6.1%) 3 Year Disc 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. U First 8am-7pm Mon-Ere Mortgage 9.00am-2.00pm Sat the direct choice Savings Money News $ax Your MoneyP545 $elitixt 545 Dec47 23:11:54 X —————— CAPPED RATES ——————————————————— rates subject to change LENDER RATE LTV TERM FEE Principal 6.99% 85% 1.2.2003 £250 Coventry 7.50% 95% 31.3.2003 None Halifax 7.79% 90% 31.4.2002 £295 Source: John Charcol: London ——————————————————————————————————4/9—— Money worries? Write to Family Finance CITY NEWS p500 Savings Money News $ax Your MoneyP545 Teletext 545 Dec47 23:15:48 X ———— 100) FOR 1ST/2ND TIME BUYERS ———— rates subject to change LENDER RATE 1ST/2ND FEE TERM/FIX BankDirec 8.19% Both £250 one yrar Yorkshire 8.45) 2nd £29) variable RBKxScot 7.84% Both £250 3-yr fix RBSxScot 7.94% Both £250 5-yr fix —————— NEGATIVE EQUITY ———————————————— RATE LOAN -VE EQUITY INCOME BankDir 9.19) 10.69) £30,000 £20,000 C&G 8.70% 8.70% 25% 2.5xwagj Source: John Charcol: London ——————————————————————————————————5/9—— Cashback deals >>>> WHAT'S ON AT YOUR LOCAL CINEMA? p460 Savings Money News $ax Your MoneyP545 Teletext 545 Dec47 23:12:12 Advert MORTGAGES >>>> One free call finds you the right mortgage. Current offers includr: 3.99) 2yr FIX (APR 4.4%) 5.89) 3yr FIX (APR 8.8%) 4.70% 2yr DISC (APR 5.1%) 5.59) 3yr DISC (APR 6.1%) 7.20) (APR 8.4%) BUY TO LET Your home is at risk if you do not keep up repayments on a mortgage or othjt loan secured on it. Written quotations on requrst. 8am-7pm Mon-Ere 0800 0800 88 FirstMortgage 9.00am-2.00pm Sat the direat choice Savings Money News $ax Your MoneyP545 Teletext 545 Dec47 23:10:12 ————— FIRST TIME BUYERS ——————————————— LENDER RATE DEPOSIT DISCOUNT Nationwide 5.79% 95% fixed 2 yrs Coventry 8.45% 90% 2.25% off 2 yrs JCharcol 6.85) 90% fixed 2 yrars Nationwide 8.10% 90% 2.35% off 2 yrs Chjlsja 6.95) 90) fixed 5 years Source: John Charcol ——————————————————————————————————7/9—— Cashback mortgage deals >>> WHAT'S ON AT YOUR LOCAL CINEMA? p460 Savings Money News $ax Your MoneyP545 Teletext 545 Dec47 23:27:47 ————————— CASHBACS DEALS —————————————— LENDER PERCENTAGE CASHBACK Berm Mids 5% £25,000 Chjlsja 5% £10,000 NRock 7) £17,500 Source: John Charcol ——————————————————————————————————8/9—— Halifax house price index >>> WHAT'S ON AT YOUR LOCAL CINEMA? p460 Savings Money News $ax Your MoneyP545 Teletext 545 Dec47 23:10:11 X ———— HALIFAX HOUSE PRICE INDEX ———————— MONTH INDEX MthOChn Yt/Chm AV.PRICE Nov:6 212.7 +0.4%r +7.2% £65,733 Dec96 213.7 +1.3%r +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:7 223.9 +0.2% +6.9% £69,180 Oct97 224.1 +0.5%r +5.4% £68,982 Nov:7 225.7 +0.9) +5.8% £69,746 ——————————————————————————————————9/9—— House prices update early January WHAT'S ON AT YOUR LOCAL CINEM—? p460 Savings Money News $ax Your Money