Best borrowing rates

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Telephone % Rate and Max Fee Incentive Redemption period adv % penalty

MORTGAGES

Fixed rates

Scarborough BS 0800 590547 0.95 for 1 year 85 0.75% - 1st 5 yrs:6.03% of sum repaid

Coventry BS 0800 126125 4.90 to 1/1/99 85 pounds 250 - To 1/1/02: 6 mths interest

Bristol & West BS 0800 119955 6.99 to 1/1/01 90 pounds 275 - To 31/12/01: 6 mths interest

Variable rates

Scarborough BS 0800 590547 0.75% for 1 year 90 - - 1st 5 yrs: 6.49% of sum repaid

Coventry BS 0800 126125 4.06% for 2 years 85 - - 1st 5 yrs: 6mths interest

West Bromwich BS 0121 525 7070 5.10% for 3 years 75 -- 1% adv rebated 1st 6 yrs: 6% of advance

First time buyers fixed rates

Lambeth BS 0800 225221 5.20 to 1/3/99 95 295 - 1st 5 yrs: 6 mths interest

Bristol & West BS 0800 119955 6.49 to 1/1/00 90 pounds 275 - To 31/12/01: 6 mths interest

Northern Rock BS 0800 591500 7.49 to 1/3/02 95 pounds 395 - 1st 6 yrs: 5% of sum repaid

First time buyers variable rates

Staffordshire BS 01902 317317 2.23 to 1/3/98 90 - - 1st 5 yrs: 5% of sum repaid

Greenwich BS 0181 858 8212 4.19% for 2 years 95 - - 1st 5 yrs: discount reclaimed

Northern Rock BS 0800 591500 5.74% to 1/3/02 95 pounds 295 Refund valn fee 1st 7 yrs: 5% of sum repaid

PERSONAL LOANS

Telephone APR % Max LTV Fixed monthly payments (pounds 3,000 over 3 years)

Unsecured With insurance Without insurance

Northern Rock BS 0345 421421 12.9H pounds 112.66 pounds 102.59

Royal B of Scotland 0800 121125 14.0 pounds 114.78 pounds 101.45

Nationwide BS via local branch 14.9 pounds 113.15 pounds 102.49

Secured (second charge) Max LTV Advance Term

Clydesdale Bank 0800 240024 7.8 Neg pounds 3K - pounds 15K 6 mths to 25 years

Royal B of Scotland 0131 523 7023 9.0 70% pounds 2.5K-pounds 100K 3 years to retirement

Midland Bank 0800 494999 10.1 90% pounds 5K-neg 5 years to 30 years

OVERDRAFTS

Authorised Unauthorised

Telephone Account % pm APR % pm APR

Woolwich BS 0800 400900 Current 0.84 10.5 2.18 29.5

Alliance & Leicester 0500 959595 Alliance 0.76 9.5 2.20 29.8

Bank of Scotland 0800 805805 Direct Cheque - 11.0 - 26.5

CREDIT CARDS

Telephone Card Type Min Rate APR Annual Int. free Income % pm % Fee period

Standard

Co-operative Bank 0800 109000 Advantage Visa - 0.64N 7.90N nil 0 days

Capital One Bank 0800 669000 Visa - 0.797N 9.90N nil 54 days

Robert Fleming/S&P 0800 829024 Mastercard/Visa - 0.9167 11.50 nil 0 days

Gold cards

Co-operative Bank 0345 212212 Visa pounds 20,000 0.50 10.50 pounds 120 46 days

RBS Advanta 0800 077770 Visa pounds 20,000 0.94N 11.90N nil 56 days

Royal B of Scotland 01702 362890 Visa pounds 20,000 1.05N 14.50N pounds 35 46 days

STORE CARDS

Telephone Payment by direct debit Payment by other methods % pm APR % pm APR

John Lewis via store 1.39 18.0 1.39 18.0

Marks and Spencer 01244 681681 1.87 24.8 1.97 26.3

Sears via store 1.94 25.9 2.20 29.8

APR Annualised percentage rate. B+C Buildings and Contents insurance LTV Loan to value ASU Accident, sickness and unemployment

E Available to comprehensive motor insurance policyholders aged over 22 years. H.- Higher rate applies if insurance not arranged

N Introductory rate for a limited period.

. .

All rates subject to change without notice. Source: MONEYFACTS 01692 500677 9 January 1997

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