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                                  MORTGAGE  Begbie
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             Associates 	                                                          Associates
      VtJ                IN           PAYMENT

                                        BLUES!?








             Have you received, or are you to expecting to receive,

             a letter informing you of an increase in your monthly
             mortgage payments?


             If so, you are not alone. Thousands of people are having to pay

             an increased amount to their mortgage lenders due to the
             once-yearly change in payment levels, taking the interest
             rate increases in 1989 into account.


             We can help you  with free advice and quotations regarding our
             major link-up with one of the four largest Building Societies
             in the U.K. They operate a low-start scheme for mortgages

             and remortgages where, via ourselves, the income multiples
             are higher than normal.


                THIS IS NOT A DEFERRED INTEREST 'ROLL-UP'

                   SCHEME WHERE YOU END UP OWING MORE
                          MONEY THAN YOU STARTED WITH!


             With this Building Society loan you could use your equity to
             subsidise your payments in the early years. Using £5,000 of
             your equity you would be able to save £229 per month in the

             first year, e.g. on a mortgage of £45,000 at 14.5% (variable
             rate), you could reduce your monthly payment to £284.37
             (interest only), a saving of £169 per month.

             This could take away any financial worries enabling you to

             look forward to a more stable way of life. There are no hidden
             clauses and you may like to find out how much you could save.
             If so, please ring either of the numbers below.


                    WE CHARGE NO ARRANGEMENT FEES

                      Swindon 873369 (2 lines) or 827725.
            ,  Appointed Representative of Cornhill Insurance Group, member of  (iiutc  and LM.R.0.
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