Page 30 - link magazine

30 The Link Magazine • February 1999
Embroiders gather Canal gets tax cash
PAUL SMALL The Swindon Embroiders' Guild
The Wilts and Berks Canal Amenity Group have benefitted for the
GAS & HEATING SERVICES meets on Monday 1 February at second year from a grant made by Link advertisers Messrs Crapper
Churchfields School at 7.30pm.
Servicing • Installation Local embroiderer Louise Watson and Sons, who run Express Skip Hire.
Under a provision in land fill legislation, waste disposal companies
will be talking about her work.
Breakdown can redirect some of their tax liability to environmental bodies. In
Everyone welcome, admission £3.
• All gas appliances Call Maggie Harris on 720097 December £24,000 was handed over to the amenity group at Mouldon
central heating for more details. Lock, Moredon for their work in restoring the canal.
Pictured with Roger Crapper, chairman of Crapper & Sons Ltd, right, are front
• Landlord safety inspection
left, Janet Flanagan and Harry Bromley of the amentygroup and Comtel local
• Plumbing repairs Beatle band to play at 60s dance
channel reporters Jon Slade and Ashley Heath who are following the restora-
Commonweal School PTA is or-
• Emergency call out
ganising another sixties dance on
• British Gas trained
Friday 19 March, Spm to 11.30pn
• Corgi registered featuring local Beatle s tribute
Tel: 01793 828143 band, Pre-Fab Four. £1 tickets in-
clude a buffet; there will be a li-
Mobile: 0378 913119 censed bar. Call 538136 for tickets.
GARY WILKINSON
Car Body Repairs and Paint Spraying
M.o.T. Repairs and Welding
Free Estimates
Unit 12 Brindley Close Cheney Manor Industrial Estate Swindon
Good mortgage deals around
00
- but look closely
MOBIL CAR SERVICING i REPAIRS Following the recent run of interest rate reductions, the mortgage market
seems likely to enter into a period of very attractive fixed and capped rates
* Electronic tuning * Welding * Electrical work which will duly benefit both home owners and those wishing to reduce
their monthly payments by changing (remortgaging) for a better rate.
* MoTs arranged (no re-test fee) Mike Rees of West Swindon mortage brokers Mansfield Begbie Associ-
For a reliable local service with over 20 years experience ates, reviews the market situation.
(No VAT to pay) If a fixed rate is chosen, this has the This is acceptable if the rate is low,
CALL GRAHAM ON (01793) 873045 or 0498 611923 added advantage of giving a guaran- but if the variable rate has gone up you
teed budget for the term of the rate. If could find your payment increasing
a capped rate is chosen, then the bor- drastically and to move away from
rower knows that the only way the that lender may cost you an expensive
PRE-SP payment will change is down during redemption penalty.
The ideal way of checking which
the term. However, you will find that
most lenders set their rate is best for you is to
SPECIA capped rates higher than the contact not only your local
lender but ask a broker,
fixed rates.
At present there seems to whose job is to select from
from your Io` ' be some confusion between K ^ a wide range of lenders,
West Swindo et the bank base rate and the the deal which is right for
mortgage rate, as some cli- you. There may be over 20
cleaning prof , ' nal ents have contacted us wit different products avail-
r
about the base rate : ' able from just one lender.
It would pay you to seek
15% off going below 6%, thinking / a broker's advice, particu-
that this means their mort-
gage rate (variable) should be the same. larly, if, like Mansfield Begbie Asso-
orders over £25 There is a difference between the Bank ciates, there is no upfront charge for
Not to be used with any other offer. Valid until 28/2/99 Alan Trask of Ultra Clean of England base rate and the average this service.
rate that most mortgage lenders charge We have taken this view over a
as a variable, which at present is around number of years as it results in many
Fully trained & insured * We move furniture
7.45%, with a few slightly lower than more recommendations and people
operators * Professional spotting this. feel far more comfortable knowing
Commercial rates available) kits available If you are looking for a new mort- that this important financial decision
Dupont Stainshield Stain removal made easy gage, I would advise that it is no good of selecting a mortgage is being han-
dled by a professional who is notwork-
basingyourchoiceon the variable rate
Protects against spills and dirt * Anti Allergy Treatment
advertised, because the vast majority ing directly for the mortgage lender
Deodorising Treatment For asthma & of borrowers should opt for a special itself and is therefore not restricted to
Leaves carpets & fabric allergy sufferers fixed or capped rate, and choices avail- one set of products.
smelling fresh * Satisfaction guaranteed able range from fixed for 2 years at If you have any queries on the cur-
4.45% to fixed for 5 years at 5.45% rent mortgage market please feel free
Phone now for free no obligation quotation on (APR 5.7%) - both up to 90% valua- to contact Mike Rees of Mansfield
tion. Begbie Associates, West Swindon's
01793 - 870756 1-l owever, you should be aware that longest established mortgage brokers,
the lowest rates are not necessarily the on 772779. See the advertisement on
ULTRA CLEAN (WILTSHIRE) best to go for, as there may be a `tie-in' the back page of this edition of The
Link.
period which locks you to the variable
:)pen: Mon - Fri 9.00am - 7.00pm • Sat 9.00am - 1.00pm. rate for a number of years after the (Rates quoted are correct at the
fixed term expires. time of going to press)