P545 Teletext 545 Dec22 03:11:14 Variable Rates ———————————— — ———————————————— Ljndjr Rate LTV Telephone Halifax 7^24% 95% 0800 203049 Abbey National 7.24% 95% 0800 555100 Covjntty 7^20% 95% 0800 126125 Principality 6.90% 95% 0800 454478 Postman 6.89% 95% 0800 7319136 Newcastle 6.85% 95% 0845 6064488 National C'ties 6.85% 90% 01372 744155 Nationwide 6.70% 90% 0800 302010 Yorkshire 6.70% 95% 0845 1200100 Egg 6.09% y0% 0845 6000290 ——————————————————————————————————1/16— Source: London & Country NOW IT'S EVEN EASIER TO FIND LOVE: TELETEXT DATING ITV p390 Savings Borrowing Property CityP545 Teletext 545 Dec22 03:11:12 Fixed Rate Selection ———————————— — ———————————————— Rate & Term LTV RPL Fee 2.95% - 1 year 90% 3 yrs £295 Stroud & Swindon (0800 371824) 5.75% - 30/11/01 95% 11/01 £245 Derbyshiri (01332 334455) 6.15% - 3 yrs 75% 3 yrs £295 Britannia (0845 8429429) 6.29% - 28/02/05 90% 02/05 £295 Newcastle (0845 6064488) 6.44% - 01/03/10 95% 10 yrs £299 Birmingham Midshires (01902 302000) ——————————————————————————————————2/16— Source: London & Country DO YOU HAVE A VIRUS ON YOUR PC SYSTEM TO FIND OUT WHAT TO DO SEE p215 Savings Borrowing Property CityP545 Teletext 545 Dec22 03:11:12 Advert MORTGAGES >>> 3/16 FIXED RATES TO 95% LTV NO OVERHANGING REDEMPTION PENALTY 2yr FIX 5.79% (APR 7.4%) 3yr FIX 6.67% (APR 7.3%) 5yr FIX 6.99% (APR 7^6%) Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Written illustrations available. www.1stmortgagj.co.uk FirstMortgage 0800 0800 88 Savings Borrowing Property CityP545 Teletext 545 Dec22 03:19:10 Discount ] Rates ———————————— — ———————————————— Discount Payable Max RPL Fee & Term Rate Now LTV 5.34% 1.85% 95% 4yrs £195 1 year Lambjth (0800 225221) 4.35% 2.85% 95% 5 yrs £295 2 years Scarborough (0990 133149) 3% 3.50% 90% 11/02 £295 6 months Newcastle (0845 6064488) 3.60% 3.59% 75% 5 yrs £195 2 years Lambjth (0800 225221) Discounts with extended redemption term ——————————————————————————————————4/16— Source: London & Country INSHORE FORECAST IS NOW ON p158P545 Teletext 545 Dec42 02:12:00 ] Discount ] Rates ———————————— — ———————————————— Discount Payable Max RPL Fee & Tjtm Rate Now LTV 1.90% 4.99% 95% None £300 01/02/01 Postman (0800 7319136) 2.25% 4.99% 95% None None 31/01/02 Halifax (0800 203049) 2.00% 5.24% 95% 11/02 £299 01/12/02 Bristol & West (0845 3008000) 1.75% 5.45% 95% 5 yrs £295 5 years Scarborough (0990 133149) Discount without long redemption term ——————————————————————————————————5/16— Source: London & Country ANY PURPOSE LOANS - SEE p627 OR CALL WJLMSLOW FREE ON 0800 269315 Savings Borrowing Property CityP545 Teletext 545 Dec42 03:17:24 Capped Rates ———————————— — ———————————————— Capped Rate Variable Max RPL Fee & Tjtm Rate Now LTV 5.99% 7.24% 95% 11/01 £299 01/12/01 Bristol & West (0845 3008000) 6.39% 7.24% 95% p2/02 £280 01/02/02 Bank of Ireland (0800 109010) 6.39% 6.70% 95% 3 yrs £295 Yorkshire B/Soc. (0845 1200100) 6.49% 7.24% 95% 5 yrs £299 01/03/05 B'ham Midshires (01902 302000) Cap stipulates maximum rate ovjt term ——————————————————————————————————6/16— Source: London & Country INSHORE FORECAST IS NOW ON p158P545 Teletext 545 Dec22 02:17:14 First Time Fixed Rate ———————————— — ———————————————— Fixed Rate Variable Max RPL Fee & Tjtm Rate Now LTV 2.95% 7.20% 90% 3 yrs £295 1 year Stroud & Swindon (0800 371824) 5.75% 6.95% 95% 11/01 £245 30/11/01 Derbzshiri (01332 334455) 6.2:% 6.85% 90% 03/05 £295 01/03/05 Newcastle (0845 6064488) 6.69% 7.24% 90% 12/02 None 31/12/02 Halifax (0800 203049) Loans are fixed for incentive term ——————————————————————————————————7/16— Source: London & Country BUSINESS BRIEFING ON OUR WEB SITE GO TO: www.teletext.co.uk Savings Borrowing Property CityP545 Teletext 545 Dec22 02:54:17 First Tjmj Discounts ———————————— — ———————————————— Discount Payable Max RPL Fee & Tjtm Rate Now LTV 1.90% 4.99% 95% None £300 01/02/01 Postman (0800 7319136) 2.25% 4.99% 95% None None 31/01/02 Halifax (0800 203049) 2.00% 5.24% 95% 11/02 £2:9 01/12/02 Bristol & West (0845 3008000) 1.35% 5.85% 95% None None 31/01/0) Coventry (0800 126125) Discount from lindjr's variable rate ——————————————————————————————————8/16— Source: London & Country INSHORE FORECAST IS NOW ON p158P545 Teletext 545 Dec42 03:11:17 ] Cashback Mortgages ———————————— — ———————————————— Cashback % Variable Max RPL Fee & Maximum Rate LTV 7% £17,500 7.2:% 90% 5yrs £595 Northern Rock (0845 6050500) 6% None 6.89% 80% 5yrs £250 Hensley & Rugby (0800 774499) 6% None 6 35% 90% 03/05 None Staffordshiri (0800 216121) 5% None 6.19% 85% 5yrs £295 West Bromwich (0121 5806404) ——————————————————————————————————9/16— Source: London & Country INSHORE FORECAST IS NOW ON p158P545 Teletext 545 Dec42 03:11:11 100% Of Loan Deals ———————————— — ———————————————— Rate & Term 1st/2nd RPL Fee mortgage 5.30% - 2.10% disc Both 3yrs £300 1 year Mortgage Express (0500 212854) 5.99% - 1% discount Both None £195 01/06/00 Northern Rock (0845 6050500) 6.24% - 1% discount Both 09/04 £299 01/10/02 Bristol & west (0845 3008000) ——————————————————————————————————10/16 Source: London & Country TOTAL ENTERTAINMENT p400 FULL GUIDEP545 Teletext 545 Dec22 03:11:14 Flexible ] Mortgages ———————————— — ^ ———————————————— Rate Tzpj LTV RPL Fee & Term 5.46% for 0.89% disc 90% 1yr - 6 mths Standard Life (0845 8458451) 5.99% Variable 95% None - Yorkshire (0800 378836) 6.09% Variable 95% None - Egg (0845 60002y0) disc = discount on variable rate ——————————————————————————————————11/16 Source: London & Country BUSINESS BRIEFING ON OUR WEB SITE GO TO: www.teletext.co.uk Savings Borrowing Property CityP545 Teletext 545 Dec22 03:21:14 Cost of Borrowing ———————————— — ———————————————— Monthly payments per £1,000 borrowed: Rate Rjpazmjnt Interest-only Net Gross Net Gross 3.5% £4^87 £5.p6 £2.62 £2.92 4* £u.11 £5.33 £3 £3.33 4.5% £5.36 £5.62 £3.38 £3.75 5% £u.62 £5.91 £3.75 £4.17 5.5% £u.88 £6.21 £4.12 £4.58 6% £v.15 £6.52 £4.50 £5 6.5% £v.43 £6.83 £4.87 £5.42 7* £6.71 £7.15 £5.25 £5.83 7.5% £v.99 £7^48 £5.63 £6.25 Net = with Miras ——————————————————————————————————12/16 Source: London & Country INSHORE FORECAST IS NOW ON p158P545 Teletext 545 Dec22 03:15:12 Key to terms ———————————— — ^ ———————————————— Rate Current variable rate charged by lindjr. Deals revert to variable rate after incentive term ends. LTV Loan-To-Value: maximum mortgage as a pjrcentagj of property value. RPL Redemption Period Lasts: borrowers are liable to bj pjnalisjd if the loan is partly or fully redeemed during this period. Fee Arrangement fee charged by lindjr. ——————————————————————————————————13/16 Source: London & Country TELETEXT NATIONAL AND REGIONAL NEWS PAGES ALL AVAILABLE ON OUR WEB SITE Savings Borrowing Property CityP545 Teletext 545 Dec22 03:13:12 House ] Prices ———————————— — ———————————————— HOUSE PRICE INDEX Month Index Nth/Chm Yr/Chm Av.Price Dec98 2s6.7 -0.1% +4.5% £73,129 Jan:9 237.6r +0.4*r +4.4% £73,406 Feb:9 236.2r -0.6%r +3.6% £72,991 Mar99 23y.0 +1^5* +4.4% £73,856 Apr99 239.6r +0.2* +3.7% £74,031r May:9 244.4r +2.0%r +5.7% £75,521r Jun:9 248.5 +1.7% +6.6% £76,786 Jul99 253.7 +2.1% +8.2% £78,401 Aug:9 256.3 +1.0%r +9.4% £79,183 Sip:9 256.2 -0.0%r +8.8% £79,182 Oct99 263.4r +2.8* +10.8% £81,375 Nov:9 263.2 -0.5% +10.7 £81,002 ——————————————————————————————————14/16 Supplied by Halifax - updated monthly WHAT'S ON AT YOUR LOCAL CINEMA? p410P545 Teletext 545 Dec22 03:17:10 Mortgage of the week ———————————— — ———————————————— HALIFAX Two year discount Discount 2.25% until 31/01/2002 Max LTV 95% Fee None Halifax is offering a market leading 2.25% discount until January 31, 2002, giving an initial payable rate of just 4.99%. There is no arrangement fee, no compulsory insurance and no redemption penalties at any time. Borrowers looking to remortgage receive a free valuation. Applications must be in bz December 31. Halifax 0800 203049 ——————————————————————————————————15/16 by London & Country CITY NEWS HEADLINES Pu00P545 Teletext 545 Dec42 03:11:15 Advert MORTGAGES >>> 16/16 NO EARLY REDEMPTION PENALTY MORTGAGES TO 95% LTV 2yr DISC 5.54% (APR 7.3%) 5yr TRACKER 6.35% (APR 7.3%) TO y0% LTV 5yr DISC 5.79% (APR 7.1%) Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Written illustrations available. www.1stmortgagj.co.uk FirstMortgagj 0800 0800 88 Savings Borrowing Property City