P545 : Teletext 545 Jan03 23:51:18 ] Uariabli : Rates ———————————— — ^ ———————————————— Ljndjr Rate LTV Telephone Halifax 7^24* :5% 0800 20304: @bbey Vational 7.24% :5% 0800 555100 Cowjntr{ 7^20% y5% 0800 126125 Principblit{ 6.y0% :5% 0800 454478 Postman 6.9:% :5% 0800 7319136 Newcastle 6.95% :5% 0845 6064488 National CWties 6.85% 90% 01372 744155 Nationwide 6.70% y0% 0800 302010 Yorkshire 6.70% :5% 0845 1200100 Egg 6.09% y0% 0845 60005:0 ——————————————————————————————————1/15— Source: London & Country ] NOW IT'S EVEN EASIER TO FIND LOVE: TELETEXT DATING ITV p3y0 Savings Borrowing Property WjekjndP545 Tjlktext 545 Jan03 23:11:41 : Eixed $ate ] Selection ————————————/T.+ — ———————————————— Rate * Term LTV RPL Fee 2.95% - 1 year 90% 3 yrs £295 Stroud * Swindon (0800 371824) 5.?5% - 30/1Q/01 :5% QQ/01 £245 Derbzshjrw (01332 334455) 5.99% - 5 yrs y0% 5 yrs £295 Market Harborough (01858 463244) 6^5:* - 28/0*/05 :0% 02/05 £295 Vewcastle (0845 6064488) 6.44% - 01/03/10 :5% 10 yrs £2:9 @ Birmingham Midshires (01902 302000) ——————————————————————————————————u?15— Source: London & Country : DO YOU HAVE A VIRUS ON YOUR PC SYSTEM - TO FEND OUT WHAT TO DO SEE p215 Savings Borrowing Property WjekjndP545 Teletext 545 Jan03 23:12:05 ] Diwcount ] R Rates ————————————/,.+ — ^ ———————————————— Diwcount Pazbble Max RPL Fee & Term Rate Now LTV 5.34% 1.95% :5% 4yrs £195 1 year Lambjth (0800 22u221) 4.35% 2^y5% :5% 5 yrs £2:5 2 years Scarborough (0990 133149) 3% 3.50% y0% 11/02 £2:5 6 months Newcastle (0845 6064488) 3.60% 3.59% 75% 5 yrs £Q95 2 years Tambjth (0800 225221) Discounts with extended redemption term ——————————————————————————————————3/15— Source: London & Country - Looking for a great mortgage dial? See p675 Savings Borrowing Property WjekjndP545 Teletext 545 Jan03 23:12:30 ] Discount ] Rates ————————————/,^% — ^ ———————————————— Diwcount Payable Max RPL Fee & Tjtm Rate Now LTV 1.90% 4.99% 95% Vonj £300 01/02/01 Postman (0800 731:136) 2.55% 4^99% :5% Vooj None 31/01/02 Halifax (0800 20304:) 2^00% u^24* 95% 1Q/02 £2:y 01/12/02 Bristol & West (0845 3008000) 1.70% 5.50% 95% 5 yrs £2:5 5 yjarw Scarborough (09y0 133149) Discount without long redemption term ——————————————————————————————————=?15— Source: London & Country ANY PURPOSE LOANS - SEE p627 OR CALL WJLMSLOW FREE ON 0800 269315 Savjn s Borrowin Propj ty W ekjndP545 - Tjletkxt 545 Jan03 23:12:54 : Capped ] Rates ————————————/,#+ —/,#+ ———————————————— Capped Rate Variable Max RPL Fee & (jrm Rate Vow LTV 5.{{% 7^24* :5% QQ/01 £2:y 01/12/01 Briwtol * Wjwt (0845 3008000) 6.3{% 7^24* :5% 02/02 £280 01/02/02 Bank of Ireland (0800 109010) 6.39% 6.70% :5% 3 yrs £295 Yorkshire B/Soc. (0845 1200100) 6.4:% 7^24* :5% 5 yrs £2:9 01/03/05 BWham Midshirew (01902 302000) Cap stipulates maximum rate over term ——————————————————————————————————5/15— Source: London * Country INSHORE FORECAST IS NOW ON p258P545 Teletext 545 Jan03 23:33:18 ] First Tjmj ] R Fixed Rate ———————————— ^ — ———————————————— Fixed Rate Variable Max RPL Fee & Term Rate Now LTV 2.95% 7^20% :0% 3 yrs £295 1 year Stroud & Swindon (0800 371824) u#?5% v#{{% {5% 1Q/01 £24u @30/Q1/01 Derbzshirk (01332 534455) 6.5:% 6^95% y0% 03/05 £295 01/03/05 Vewcastle (0845 6064488) 6.69% 7^24% :0% 12/02 None 31/12/02 Halifax (0800 20304:) Loans are fixed for incentive term ——————————————————————————————————6/15— Source: London * Country : BTw+MESS BRJEFJNG ON OUR WEB SITE GO TO: www.teletext.co.uk Savings Borrowing Property WjekjndP545 Teletext 545 Jan03 43:13:42 ] Advert ] MORTGAGES >>> ] 7/15 ] Great Mortgage deals with no tie-Ins 4.9{% 5.5% APR ] - Diwcount of 2.25% off our standard - variable rats for 2 years. - Absolutely n tie-Ins during or ] after the diwcount period. No rkpazjjnt or arrangement feew. ] See page 656 for more information :/ W £cwsupcws3£ / /H A T I F A X - W -/ W,,,,$ (,,,, >>> Savings Borrowing Property WjekjndP545 : Teletext 545 Jan03 23:24:06 ] Eirst (imj Eixed Rate ————————————/,.+ — T^ ———————————————— Fixed Rate Variable Max RPL Fee & Term Rate Now LTV 2.95% 7.20% :0% 3 yrs £295 1 year Stroud & Swindon (0800 371824) 5.?5% 6.{5% :5% 1Q/01 £245 30/1Q/01 Derbzshire (01332 334455) 5.99% 6.99% :0% 5 yrs £295 5 yrs Market Harborough (01858 463244) 6^55% 6^95% y0% 1Q/02 £2:5 30/1Q/02 Newcastle (0845 6064488) Loans are jixed for incentive term ——————————————————————————————————y/Q5— Source: London * Counts{ IN+HOKE FORECAST IS VOW /N pQ58P545 Teletext 545 Jan03 23:24:30 ] First (imj : Diwcosnts ———————————— ^ — ^ ———————————————— Diwcount Payable Max RPL Fee & Term Rate Now LTV 1.y0% 4.99% :5% None £300 01/02/01 Portoan (0800 731:136) 2.55% 4.99% 95% Vonj None 3Q/01/02 Halifax (0800 20304:) 2^00% u^24* {5% 11/02 £2:y 0Q/12/02 Bristol & West (0845 3008000) 1.35% 5.95% :5% None None 31/01/04 Coventry (0800 126125) Discount jrom lkndjr'u vari!ble rate ——————————————————————————————————{/15— Source: London & Country : T^SAL ENTERTAIN#EMT p400 FULL GUIDEP545 Teletext 545 Jan03 23:28:54 ] Cash"acW ] Mortgages ————————————/,^+ — ^ ———————————————— CauhbacW % Variable Max RPL Fee & Maxioum Ratw LTV 7% £Q7,500 7^5:% :0% 5yrs £595 orthjrn Rock (0845 6050500) 6% None 6.9:% 80% 5yrs £250 Hensley & Rug"z (0800 774499) 6% None 6 55% :0% 03/05 Vonj Staffordshirk (0800 216121) 5% None 6.1:% 85% 5yrs £2:5 West Bromwich (0121 5806404) —————————————————————————————————10?1u — So{rce: London * C÷untry TOTAL ENTERTAINMENT p400 FULL GUIDEP545 Teletext 545 Jan03 23:39:18 ] Flexible ] Q Mortgages ————————————/,^+ —/,^+ ———————————————— Rate Tzpj LTV RPL Fee * Tjr 4.95% for 1.?5% disc 90% 3yrs - 6@mths Direct Line (0181 64:9099) 5.46% jot 0.8:% diwc 90% Qyr - 6 mths Standard Life (0845 8458451) 6.09% Variable 95% None - Egg (0845 60005:0) diwc = diwcount on variable rate ——————————————————————————————————5Q/1u Source: London & Country INSHORE FORECAST IS NOW ON pQ58P545 Tjlitkxt 545 Jan03 23:3y:41 ] Cost of ] Q Borrowing ———————————— — ^ ———————————————— Monthly pazmjntw per £1,000 borrowed Rate Rjpazmjnt Interest-Only Vet Gross Net Gross s#5% £4^y7 £u?0v £2^v2 £2^y2 4* £u?11 £u#37 £3 £6#w3 4^5% £u#sv £u^v2 £s#38 £3.?5 5% £u^v2 £u?{1 £3#u £4^17 u.5% £u^z8 £v^u1 £4.12 £4^58 6% £v.15 £6.u2 £4.50 £5 v?5% £v?us £v^y3 £4^y7 £u?42 7* £v#1 £7^1u £u^5u £u^y3 7^5% £v#{y £7^48 £u^63 £6^55 Net= with Miras ——————————————————————————————————12?15 Source: London & Country TELETEXT ATJONAL AND REGIONAL EWS PAGES ALT AVAILABLE ON OUR B SIT Savings Borrowing Property WjekjndP545 Tjletkxt 545 Jan03 23:20:06 ] Key to ] R terms ————————————/,.+ — ^ ———————————————— Rate Current variable rats charged "y lkndjr. 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 pjoaliwjd if the loan is p!rtly or jully redeemed during this period. Eje Arrangement fee charged "y lender. ——————————————————————————————————13/15 Source: London & Country O ATJST SHAKE PRICES p 10 Savings Borrowing Property WjekjndP545 Teletext 545 Jan03 23:26:20 ] House ] Prices ———————————— — ^ ———————————————— HOUSE PRICE INDEX Month Index Nth/Chm Yr/Chm Av.Price Dec{8 2sv.7 -0.1* +4.5% £73-12y Jan:y 23?^vr +0.5*r +4^4% £73,406 Fee:y 2sv^2r -0^6%r +7^6% £72,:{1 Mar{y R3y^0 W1^5* W4^5* £3,856 Apr{y 23y^6r W0^5% +s.7* £74,031r May:y 244^4r W2^0%r +u.?% £75-u51r Ju÷}y 248.u +1.?* Wv.6% £76]786 Jul{9 25s.7 W2.1% +8.5% £78,401 Aug:y 2uv#3 +1^0%r +y^4% £?:-183 Sip:y 2uv^2 -0^0%r +8^9% £7z-182 Oct99 263.4r +2^8% +10.8% £81,375 Nov:y 267.2 -0.5% +10.7 £81,002 ——————————————————————————————————14?15 Supplied by Halifax - updated monthly WHAT'+ ON AT Y#UR LOCAL CINEMA p410P545 Teletext 545 Jan03 23:10:54 ] Mortgage of ] the week ———————————— ^ — ^ ———————————————— NEWCASTLE BUILDING SOCIETY 5-YEAR FIX Fix until 28/02/2005 LTV 90% Payable rate 6.5:% Fee £2:5 Available jrom Vewcastle Building Soci t is a ixed rat of 6.5 % until Ejbrubry 28, 2005. Av!ilable on loans up to 90% of the property value, a jee of £2:5 iw pazbbli^ Redemption penalties apply only during the jixed rate period. Borrowers can rep!z 10% of the capital outstanding each year without penalty. Vewcastle 0845 6064488 ——————————————————————————————————15/15 bz Tondon * Country CJTZ NEWS HEAD-INCS Pu00