Best deposit rates

INSTANT ACCESS Telephone Account Notice Deposit Rate Interest

or term % interval

Yorkshire BS 0800 378836 1st Class Access Postal £1,000 6.20 Year

Skipton BS 01756 700511 3 High Street Instant £2,000 6.25 Year

Northern Rock BS 0500 505000 Go Direct Postal £20,000 6.70 Year

Nottingham BS 0115 948 1444 Post Mark Postal* £25,000 7.25 Year

NOTICE ACCOUNTS

Bradford & Bingley BS 0345 248248 Direct Notice 30 day (P) £10,000 6.90 Year

Coventry BS 0345 665522 Postal 50 50 day (P) £2,000 6.55 Year

Scarborough BS 01723 368155 Scarborough 50 50 day (P) £25,000 7.35 Year

Northern Rock BS 0500 505000 Postal 60 60 day (P) £50,000 7.25 Year

TERM ACCOUNTS

Portman BS 01202 292444 Fixed Interest Bond 1 year £500 7.00 fixed Year

Halifax BS 0422 333333 Guaranteed Reserve 1 year £10,000 7.20 fixed Year

Birmingham Midshires BS 0500 710710 Quantum Fixed 2 year £5,000 8.15 fixed Year

Woolwich BS 0800 400900 3 yr fixed rate bond 3 year £500 8.50 fixed Year

MONTHLY INTEREST

Birmingham Midshires BS 0645 720721 First Class Postal £1,000 4.79 Month

Britannia BS 01538 392808 Capital Trust Postal £2,000 5.84 Month

£10,000 6.17 Month

£25,000 6.41 Month

TESSAS (tax-exempt special savings accounts)

Sun Banking Corp 01438 744500 5 year £8,300 8.50 fixed Year

Market Harborough BS 01858 463244 5 year £9,000 7.75 Year

Hinckley & Rugby BS 0800 774499 5 year £3,000 7.65 Year

Barclays Bank 0800 400100 5 year £1,000 7.50 Year

HIGH-INTEREST CHEQUE ACCOUNTS

Woolwich BS 0800 400900 Current Instant £500 3.85 Year

Halifax BS 01422 333333 Asset Reserve Instant £5,000 5.00 3 Mths

Chelsea BS 0800 717515 Classic Postal Instant £2,500 6.00 Year

£25,000 6.50 Year

OFFSHORE (gross)

Portman Channel Islands 01481 822747 Instant Gold Instant £5,000 6.20 Year

Derbyshire IOM 01624 663432 Instant Access Instant £25,000 6.65 Year

Bradford & Bingley IOM 01624 661868 Island Ninety 90 day £25,000 7.05 Year

Halifax JSY 01534 59840 Fixed Rate Intl 2 year £50,000 8.00 fixed Year

NATIONAL SAVINGS

Accounts & bonds (gross) Notice or term Deposit Rate % Interest interval

INVESTMENT ACCOUNTS 1 Month £20 5.25 Year

£500 5.75 Year

£25,000 6.00 Year

INCOME BONDS 3 Month £2,000 6.50 Month

£25,000 6.75 Month

CAPITAL BONDS (Series I) 5 Year £100 7.75 fixed Maturity

FIRST OPTION BONDS 12 Month £1,000 6.40 fixed Year

£20,000 6.80 fixed Year

PENSIONER'S GUARANTEED INCOME BOND (Series 2)

5 Year £500 7.50% fixed Month

NS Certificates (tax free)

42nd ISSUE 5 Year £100 5.85 fixed Maturity

8th INDEX-LINKED 5 Year £100 3.00+RPI Maturity

CHILDREN'S BOND (Issue G) 5 Year £25 7.85 fixed Maturity

P= by post only. *=7 day notice. =fixed for first 18 months. All rates are shown gross and are subject to change without notice.

Source: Chase de Vere Investments PLC - 0171 404 5766. Compiled on 20 April 1995

Best borrowing rates

MORTGAGES

Fixed rates Telephone Rate/period Max Fee Incentive

% advance % £

Hinckley & Rugby BS 0800 774499 1.5 to 1/5/96 70 £250 -

Northern Rock BS 0800 591500 5.49 to1/6/97 95 £250 Free valuation

Yorkshire BS 0800 378836 7.49 to 1/4/98 95 £250 -

Ipswich BS 01473 211021 8.25 to 1/1/99 95 - Free valuation - EBs

Northern Rock BS 0800 591500 8.54 to 15/4/00 95 £250 Free valuation

TSB Local branch 9.49 to 31/3/05 95 £250 Free valuation

Variable rates

Coventry BS 0800 126125 2.00 to 1/6/96 95 - £300 cashback

Staffordshire BS 01902 772611 3.59 to 1/1/97 50 - -

Principality BS 0117 929 7804 5.25 to 1/6/97 90 - Free valuation

Northern Rock BS 0800 591500 6.14 to 1/7/98 90 - Free valuation

PERSONAL LOANS

Unsecured Telephone APR Fixed monthly payments on £3,000 for 3 years

% With insurance Without insurance

Midland Bank Local branch 15.40 £116.54 £103.14

National & Provincial BS 0800 808080 15.50 £118.22 £103.29

Clydesdale Bank 0141 248 7070 16.20 £113.94 £103.33

Secured Max advance % Max term

Royal Bank of Scotland 0800 161616 10.90 70 3 years to retirement

Midland Bank Local branch 11.40 80 5 to 30 years

First Direct 0800 222000 11.20 80 Up to 40 years

TYPICAL OVERDRAFTS

Telephone Authorised Unauthorised

EAR % EAR %

Barclays Bank Local Branch 19.20 29.80

Lloyds Bank Local Branch 19.40 26.80

National Westminster Bank Local Branch 18. 90 33.25

BEST OVERDRAFTS

Telephone Authorised Unauthorised

EAR % EAR %

Woolwich BS 0800 400900 9.50 29.50

Alliance & Leicester BS 0500 959595 9.50 29.80

Abbey National 0800 555100 9.90 29.50

CREDIT CARDS

Telephone Card name Minimum Rate APR Annual

income pm % % fee

Standard

Robert Fleming (S&P) 0800 282101 MasterCard/Visa - 1.00 14.60 £12

Royal Bank of Scotland 0800 161616 MasterCard - 1.14 14.50 -

TSB Local branch MasterCard/Visa - 1.38 17.90 -

Gold cards

Lloyds Bank Local branch MasterCard £20,000 1.15 16.50 £40

Midland Bank Local branch Visa £20,000 1.30 18.10 £35

MBNA International 0800 062620 MasterCard/Visa £20,000 1.45 18.90 -

STORE CARDS

Payment by direct debit Other methods

Telephone pm APR pm APR

John Lewis Local store - - 1.39 18.00

Marks and Spencer 01244 681681 1.90 25.30 2.00 26.80

Burtons Local store 1.97 26.30 2.21 29.90

EB=Existing borrower APR=Annualised percentage rate. EAR=effective annual rate.

All rates are subject to change without notice.Source: London & Country. Freephone 0800 373300 Compiled on 20 April 1995