P632 ORACLE 632 Sat25 Apr C4 2100:01  1/10       Mortgages THE TOP THREE --------------------------------------- HALIFAX 10.95% up to £60,000; 10.50% on 60,000+ 10.30% on £100,000+. FIRST-TIME BUYERS: 9.45% up to £60,000; 9% over £60,000; 8.8% over £100,000 for 1 year --------------------------------------- ABBEY NATIONAL 0800 555100 10.99% for loans below £60,000, 10.55% £60,000+ 10.40% £100,000+. 1.75% off, 1st-timers to 7/93 or 1.25% off if 90%+ loan. 10.15% fixed to 11/94. --------------------------------------- NATIONWIDE 071-242 8822 Ex 2452 10.99% for loans below £60,000; 10.55% on £60,000+; 10.40% on £120,000+. Your Money 630 Other Rates 633 HOLIDAYS IN IRELAND see page 387 Interest Rates Feature Your Tax City
P632 ORACLE 632 Sat25 Apr C4 2100:12 ADVERTISEMENT Y.MONEY FOLLO 2/10 1.75% OFF WITH OUR DISCOUNT PLUS MORTGAGE 9.24% APR 11.6% Typical (variable rate including 1.75% discount in the first year) CALL US FREE ON         BUILDING SOCIETY  PO BOX 27,BROAD QUAY,BRISTOL BS99 7AX Mortgages subject to status & valuation Written quotations avail.on request Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it Interest Rates Feature Your Tax City
P632 ORACLE 632 Sat25 Apr C4 2101:31  3/10       Mortgages Building Societies YORKSHIRE 0274 734822 10.99% base 8.49% for six months for first timers. -------------------------------------- BUCKINGHAMSHIRE 02407 3064 10.75% var. 7.75% for new loans for six months. --------------------------------------- NATIONAL & PROVNCL 0800 373499 10.95% 1.5% off for 1st timers to 7/93. --------------------------------------- BIRM. MIDSHIRES 0902 710710 10.95% 1.6% off, 1st timers with 5% deposit; 1.1% off for 5%+ deposit to 5/93. --------------------------------------- NORTHERN ROCK 091 279 4672 10.99%; 9.25% on loans up to 70% of home value; 9.50% any other borrowers to 8/93 Your Money 630 Other Rates 633 Interest Rates Feature Your Tax City
P632 ORACLE 632 Sat25 Apr C4 2105:04  4/10       Mortgages Building Societies CHELTENHAM & GLOUCESTER 0800-262131 10.75% base; 1% off new loans for 1 yr; 0.5% off for life of loan on £60,000+ Max advance 95% #########O############## ############## LAMBETH 071-928 1331 10.95% base rate. 8.70% for 1 year on max advance 80%. Compulsory insurance. --------------------------------------- COVENTRY 0203 252277 10.99% base rate. 9.99% 1 yr discount for new bobrowers. --------------------------------------- SKIPTON 0800 590545 11.6% base existing borrowers; 11.1% new borrowers; 9% for 12 mnths if insurance KAlortgage protection taken out; 9.5% for 12 mnths if insurance only taken out. more > Your Money 630 Other Rates 633 Interest Rates Feature Your Tax City
P632 ORACLE 632 Sat25 Apr C4 2101:01  4/10       Mortgages Building Societies CHELTENHAM & GLOUCESTER 0800-272131 10.75% base; 1% off new loans for 1 yr; 0.5% off for life of loan on £60,000+ Max advance 95% --------------------------------------- LAMBETH 071-928 1331 10.95% base rate. 8.70% for 1 year on max advance 80%. Compulsory insurance. --------------------------------------- COVENTRY 0203 252277 10.99% base rate. 9.99% 1 yr discount for new borrowers. --------------------------------------- SKIPTON 0800 590545 11.6% base existing borrowers; 11.1% new borrowers; 9% for 12 mnths if insurance + mortgage protection taken out; 9.5% for 12 mnths if insurance only taken out. more > Your Money 630 Other Rates 633 Interest Rates Feature Your Tax City
P632 ORACLE 632 Sat25 Apr C4 2100:11  6/10       MORTGAGES NATWEST 10.99%; 10.24% 1st timers 1 yr MIDLAND 0742 528640 10.95%; 1% off, 1st timers, 1 year. LLOYDS 0272 433364 10.99%; 9.24% for first-time buxdrs for l year. Endowment or pension compulsory. FIRSTDIRECT 0800 222000 10.50% on £50K+ 10.95% up to £50K. BARCLAYS 10.99% base. 9.95% cap to 4/93 TSB 10.95% more > Your Money 630 Other Rates 633 Interest Rates Feature Your Tax City
P632 ORACLE 632 Sat25 Apr C4 2111:00  8/10  FIXEDANDCAPPED  MORTGAGES  NORTHERN ROCK 091 285 7191 9.99% to 7/94. £125 fee. Compulsory insurance. BRISTOL & WEST 0272 294271 9.24% for one year to all new borrowers. CHELTENHAM & GLOUCESTER 0452 372372 9.9% fixed for 2 years. Fee £250. PORTMAN 0202 292444 10.5% 5 yr fix OR 0.5% off variable rate (10.99%) for life of mortgage. SCARBOROUGH 0723 368155 0.5% off variable rate for life of mortgage. COVENTRY 0203 224445 9.95% capped for 2 years. more follows > Your Money 630 Other Rates 633 Interest Rates Feature Your Tax City
P632 ORACLE 632 Sat25 Apr C4 2101:11  9/10       Mortgages WHAT TO LOOK OUT FOR: ARRANGEMENT FEES: Usually only charged on fixed or capped loans. REDEMPTION FEES: Only on fixed or capped loans. INDEMNITY FEE: Hidden charge levied on loans more than 75% of property price. REPAYMENT METHOD: Don't be talked into buying an endowment without checking out interest only, repaxlfnt, pension and PEP mortgages. INSURANCE: Be wary of compulsory building/contents cover. more > Your Money 630 Other Rates 633 Interest Rates Feature Your Tax City
P632 ORACLE 632 Sat25 Apr C4 2100:30  10/10       Mortgages PICK OF THE WEEK FIXED: PORTMAN 10.5% fixed for 5 years. Fee £350.Portable. Compulsory insurance FIXED: LEEDS & HOLBECK 10.6% for 5 yrs Fee: £195. FIXED: WOOLWICH 9.8% fixed for 1 year. £150 fee. BEST DISCOUNTS: Halifax, C&G, Nationwide, Bradford & Bingley. CAPPED: Leeds. Capped at 10.75%. Can't go below 9.75% over two years. £150 fee. Insurance compulsory. Supplied by John Charcol: 071 589 7080. Your Money 630 Other Rates 633 Interest Rates Feature Your Tax City
P632 ORACLE 632 Sat25 Apr C4 2101:00  5/10       Mortgages Building Societies ALLIANCE & LEICESTER 0273 775454 10.99% base. 2% off, 1st-timers for one year if endowment based. --------------------------------------- LEEDS PERM 0532 438181 10.99% base; 9.4% for first-time bsxfrs for 1 year. 10.55% on £60,000 one year. --------------------------------------- NORWICH & P'BORO 0733 371371 10.95% 8.95% on new loans to 9/92. Interest only loans available. High equity loans at 11.95%. --------------------------------------- WOOLWICH 081 298-5000 10.99% base. 10.55% on £60,000+. 9.49% 1st timers up to £60K or 8.99% £60K+ for 1 yr. more follows > Your Money 630 Other Rates 633 Interest Rates Feature Your Tax City
P632 ORACLE 632 Sat25 Apr C4 2100:10  7/10       MORTGAGES ROYAL BANK OF SCOTLAND 10.95% base. 95% mortgages; no mortgage indemnity needed; For first-time buyers, 9.95% up to £50,000 and 8.95% on £50K+ for 1 yr. 100% mortgages in some circumstances. BRAD & BINGLEY 10.99% base. 10.5% new loans. 9.5% for 1st-timers, 1 yr. New mortgages 80% equity or under: 10.25% to £60K; 10% to £100K; 9.75% £100K+ NATIONAL COUNTIES 0372 742211 10.99% 0.59% discount for life of mortgage. WEST BROMWICH 021 525 7070 10.95% base. 8.95% for new borrowers for one year. Max advance to first-time bqxfrs is 95% Otherwise, 90%. more follows > Your Money 630 Other Rates 633 Interest Rates Feature Your Tax City