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____                       MORTGAGE                                    Mansfield

            M B                                                                Begbie
                                      SERVICES                                 Associates Ltd

              Associates              Serving the community since 1987

         YOU'LL GET A WARM GLOW

         WHEN YOU DISCUSS


        A NEW MORTGAGE


         WITH US


        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.

                                  4.1% (APR 4.7%) discounted to 31/1/06
                                  For example, £90,000 would cost £486 per month capital repayment
                                  (excluding insurance). This is a discounted tracker rate for two years.
                                  (Maximum loan to value 97%). Daily interest. Valuation refunded.


                                  3.85% (APR 4.5%) 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 3.55% (APR 4.3%) tracker rate available for two years for purchases only.


                        For a limited period: 5 year fixed rate of 5.39% (APR 5.9%),
                        (1199 booking fee. Max loan to value 95%)

          I
                                       RE-MORTGAGE SPECIAL
        I                         A discounted tracker rate of 4.34% on a daily interest basis (APR 5.1%) to
                                  31/12 / 07. No 'Tie-Ins' and no early redemption penalties at any time.
                 -       I I r    (Maximum loan to value: 90%). Free valuation, no arrangement fee and
                                  £150 cashback.


    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: [email protected] • 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 Financial Services 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.
           3ER
                 Only available to persons 16 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 £90.000 over a 25 year term (300 monthly payments), completing before 30/4/04 secured
                 against a property being purchased for £100.000. 300 monthly mortgage payments of £486. Total amount payable £145.999 calculated to include £199 arrangement fee. This calculation is based on the
                 assumption that the discounted rate will apply throughout the term of the loan. Maximum loan £500.000. Rate applied is 4.1 % (4.7% APR) discounted tracker until 31 It /06. 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 31/1/06, after which the then current variable base mortgage rate will
    General Insurance  apply. 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.
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