Best borrowing rates

MORTGAGES

Telephone % Rate and Max Fee Incentive period adv %

Fixed rates

Hinckley & Rugby BS 0800 774499 1.50 to 1/7/96 70 pounds 250 -

Bradford & Bingley 0800 252993 1.89 to 1/10/96 95 pounds 95 FTB only

Woolwich BS 0800 400900 4.99 to 1/9/97 80 pounds 195 -

Lambeth BS 0800 225221 6.65 to 1/5/98 95 pounds 250 0.5% cashback

Nottingham Imperial 0500 340566 7.95 to 31/10/00 90 pounds 250 -

TSB Local branch 8.84 to 30/6/05 95 pounds 250 Free valuation

Variable rates

Scarborough BS 0800 590547 1.95 to 1/6/96 95 - -

Staffordshire BS 01902 772611 4.49 to 1/3/97 90 - -

Nottingham Imperial 0500 340566 6.00 for 3 yrs 90 - -

Coventry BS 0800 126125 6.65 to 1/10/99 95 - pounds 300 cashback

PERSONAL LOANS

Telephone APR Fixed monthly payments pounds 3,000 for 3 years

Unsecured

Midland Bank Local branch 15.40 pounds 116.54 pounds 103.14

N&P BS 0800 808080 15.50 pounds 118.22 pounds 103.29

Yorkshire Bank 0113 231 5324 15.50 pounds 119.34 pounds 103.34

Secured Max adv % Max term

Royal B of Scotland 0800 121121 10.10 70 3 years - retirement

First Direct 0800 242424 10.30 80 Up to 40 years

Midland Bank Local branch 11.40 80 5 to 30 years

TYPICAL OVERDRAFTS

Telephone Authorised EAR % Unauthorised EAR %

Barclays Bank Local Branch 19.20 29.80

Lloyds Bank Local Branch 19.40 26.80

Nat West Bank Local Branch 18. 90 33.25

BEST OVERDRAFTS

Telephone Authorised EAR % Unauthorised EAR %

Woolwich BS 0800 400900 9.50 29.50

Alliance & Leicester 0500 959595 9.50 29.80

Abbey National 0800 200300 9.90 29.50

CREDIT CARDS

Telephone Card Min Rate APR Annual income pm % % fee

Standard

R Fleming (S&P) 0800 282101 MasterCard/Visa - 1.00 14.60 pounds 12

Royal B 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 pounds 20,000 1.15 16.50 pounds 40

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

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

STORE CARDS

Telephone Payment by direct debit Other methods

% 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