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MORTGAGE                                    Mansfield


                                          SERVICES                                  Begbie

                                                                                    Associates Ltd
                                          Serving the community since 1987










        Mansfield Begbie Associates would like to thank all their clients

          for their support during Year 2001. We wish all Link readers

                 a Very Merry Christmas and a Prosperous New Year


                        NEW REDUCED MORTGAGE RATES

                                        For example, £50,000 would cost £175 per month interest only
                                        (excluding insurance). This is discounted to 31/7/03. Valuation
               1  I  YL-
               i                        refunded on completion and £250 cashback. (Maximum loan to
                                       value 97%). Daily interest, tracker discount.
              4.2% (APR 4.7%)
              discounted to 31/7/03
                                        Rates from 4.25% (APR 4.7%) or 3.9% (APR 4.2%) (subject to
                 •                      'loan to value') for two years. Available with special remortgage
                 • • • • '              package (No arrangement or valuation fees; legal fees paid).
                                        Maximum available 95% for purchases and remortgages.

                               For a limited period: 5 year fixed rate of 5,19% (APR 5.4%)
                       NEW
                               available for mortgages & remortgages

                       already          RE-MORTGAGE SPECIAL
            I1T_                        A discounted rate of 3.9% i.fn a daily interest basis (APR 4.2%)
                 •    •                 for two years. No 'Tie-Ins.' (Maximum loan to value: 75%).
                     •                  No arrangement fee.
             • • 1 L   • • "
              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
          MEMBER
          ® Swindon 772779

       General Insurance
                      e-mail: [email protected] • www.mansfieldbegbie.co.uk
           No 6740
                      Registered with the Mortgage Code Register of Intermediaries: No. 5508399 • Consumer Credit Licence: No. 499646
       Mansfield Begbie Associates Ltd. is an Introducer Representative of Allcover Financial Services authorised to give investment and pensions business intoductions only.
                       Allcover Financial Services is regulated by the Personal Investment Authority for investment and pensions business.
                     Credit broker fees of up to 1% on the advance may be charged at completion depending on the type of product and credit period. A written quotation on loans can be obtained on request.
                             Only available to persons 18 years of age or over. Subject to status. Subject to our current lending criteria. A life assurance policy may be required.
         Example: A married couple aged 30 years and 28 years, both non-smokers, applying for an endowment mortgage of £50,000 over a 25 year term (300 monthly payments), completing before 2812/2002 secured against a property being purchased for £55.000.
       300 monthly mortgage payments of £175. Monthly endowment premium of £74.96. Total amount payable £t 25,183 calculated to include valuation fee £195. This calculation is based on the assumption that the discounted rate will apply throughout the term of the loan.
         Maximum loan £t 50,000. Rate applied is 4.2% (4.7% APR) discounted to 31/7/03. Rates may vary. The rate applies to loans up to and including 97% Of the purchase price or valuation, whichever is the lower. The discounted rate is applicable until 3r17103,
            aher which the then current variable base mortgage rate will apply. When an applicant is borrowing more than 75% the Society will require additional security. This is usually in the form of a Risk Charge. Rates correct at time of going to press.
                         Incorporated in England and Wales - Company Number: 3217240- Reg. Office: 311, Ballards Lane, Finchley, London N12 SLY
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