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MORTGAGE                                     Mansfield
                                                                                  Begbie
                                       SERVICES                                   Associates


                                    Serving the community since 1987



                   START THE NEW YEAR


                   WITH HELPFUL LOCAL


                      MORTGAGE ADVICE




            Whether you are moving house or thinking of re-mortgaging

                   your present property, we may be able to help you

     We have special discounts available NOW!!



          First time buyers                        For example,   £50,000 would cost £145.98 per month
                                                  interest only net of MIRAS (excluding insurance).
                                                   This is a discount of 3.14% for the first year.
           3.85% (APR 4.1%) for one year (variable)*
                                                  For example,   £50,000 would cost £189.21 per month
          4.99% (APR 5.2%) for two years (variable)*
                                                  interest only net of MIRAS (excluding insurance).
          * £250 cashback on completion
                                                  This is a discount of 2% for the first two years.
                                                  A 2% discount for one year, PLUS a 2% cashback.
           Now available:
                                                  For example,   £50,000 at 4.99% (APR 5.2%) would cost
          Combination Discount Cashback           £189.21 per month   interest only net of MIRAS (excluding
                                                  insurance), together with a £1,000 cashback on completion.
                                                  (Maximum loan to value 95%)
                                                  For example, 2 years fixed rate at 5.99% (APR 6.3%) and 3
          Fixed rates
                                                  year fixed rate 6.89% (APR 7.3%). (Max loan to value 95%)

                                                                   Cashbacks
           If  you already have                   Don't worry 	of up to £6,000 are now
                                                  available for housebuyers and those seeking to
           a mortgage 	                           re-mortgage.

       100% mortgages now available for first and second time buyers

                    NEGATIVE EQUITY MORTGAGES ALSO AVAILABLE

       You tell us what your requirements are and we will try to provide the arrangements to suit your individual needs
        Mansfield Begbie Associates can arrange mortgages with the majority of  building societies and banks in the UK.
                        For free advice and further information, call us now on

                        Swindon 873369


                   "eprasent&liie only of CORNHILL INSURANCE PLC for the purpose of effecting investment business introductions only.
                  'cbHNILL INSURANCE PLC Is regulated by the Personal Investment Authority for life assurance and pensions business'.
   Credit broker fee' nt up to 1% on the advance may be charged at completion depending on the type of product and credit period. Rate applied is 3.85%PA (4.1% APR) for one year, APR Is variable. Rates may very. A written quotationon loans cars
    be obtarned on request. Only available to parsons I 8 years 01 age or over Subplot to status Subject to our current lending criteria A 3.14% reduction applied to the ouflablo base mortgage rub, currently 699% Those applicants benefiting truer
       this special discount who redeem their mortgage within tour years from the date of completion will be charged an additional six months interest This charge will be reimbursed ifa new mortgage Is than taken out with the Society
     Example: A married couple aged 30 years and 28 yearn, both non-smokers, applying for an endowment mortgage 01 £50000 over a 25 year term (300 monthly payments), completing before 31 March 1997 secured against a property being
     purchased or £55000 300 monthly mortgage payments net of tax of £145.98. Monthly endowment premium of E74,96. Total amount payable £t 16.437 Calculated to include valuation tee £155 This calculation Is based on the assumption
    that the discounted rate will apply throughout the lenn 01 the loan. Maximum loan Em 50,000. The 385% rate apples In vans up to and including 95% of the purchase price or valuation, whichever is the tower. The discounted rate Is appicabie
               or one year. otter which the than current rate will apply. When an applicant Is borrowing more than 75% the Society will require additional security. malls usually In the loan of  flints Charge.
           REMEMBER: YOUR HOME   IS  AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT
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