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MORTGAGE                                    Mansfield
                                                                                Begbie
                                      SERVICES                                 Associates Ltd

                                      Serving the community since 1987



       BACK FROM HOLIDAYS?



       MAKEA BEELINE FOR


       A BETTER MORTGAGE


       Whether you're moving to a new house or re-mortgaging your property, with over
       15 years experience providing mortgages in Swindon, including tracker mortgages,
       you can be assured of excellent service from Mansfield Begbie Associates Ltd.


                                  3.79% (APR 4.4%) discounted to 30/11/05
                                  For example, £50,000 would cost £261.50 per month capital repayment
                                  (excluding insurance). This is a discounted tracker rate for two years.
                                  (Maximum loan to value 97%). Daily interest. Valuation refunded.


                                  3.6% (APR 4.3%) discounted for two years available with special
                                  remortgage package. (No up-front arrangement fee - £299 fee added to loan.
                 - -              Free valuation. £250 cashback). Maximum available 90%.
                                  Also 3.3% (APR 4.1%) tracker rate available for two years for purchases only.


                        For a limited period: 5 year fixed rate of 4.89% (APR 5.5%),
                        (£199 booking fee. Max loan to value 90%)

          I
                                    S RE-MORTGAGE SPECIAL
        I                         A fixed rate of 4.49% on a daily interest basis (APR 5.2%) for two years.
                                  No 'Tie-Ins' at end of 2 years. (Maximum loan to value: 75%).
                 -                Free valuation, £199 arrangement fee, £250 cashback.

      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 772779



                   e-mail: info@mansfieldbegbie.co.uk • www.mansfieldbegbie.co.uk
                    Registered with the Mortgage Code Compliance Board:  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.
       MEMBER	   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 whoen 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 a repayment mortgage of £50.000 over a 25 year term (300 monthly payments), completing before 30/1103
                 secured against a property being purchased for £55,000. 300 monthly mortgage payments of £261.50. Total amount payable £78.844 calculated to include £199 arrangement fee. This calculation is based
                 on the assumption that the fixed rate will apply throughout the term of the loan. Maximum loan £150.000. Rate applied is 3.79% (4.4 % APR) fixed until 30/9/05. Rates may vary. The rate applies to loans
                 up to and including 97% of the purchase price or valuation, whichever is the lower. The fixed rate is applicable until 30/6/05, after which the then current variable base mortgage rate will apply.
    General Insurance  When an applicant is borrowing more than 75% the lender may require additional security. This is usually in the form of a Risk Charge. Rates correct at time of going to press.
       4r            Incorporated in England and Wales - Company Number: 3217240 - Reg. Office: 311, Ballards Lane, Finchley, London N1 2 SLY
        No. 6740
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