Teletext Recovery - 26/01/1999

P628 Teletext 628 Jan26 22:17:51 SAVE OVER £50 A MONTH ON 1/5 ■ CAPPED FOR 4 YRS  UNTIL 1.4.2003  ■ NO APPLICATION OR  VALUATION FEE  ■ NO SOLICITORS FEES#  ■ NO LOCK-IN AFTER APR CAPPED RATE PERIOD  ■ AVAILABLE FOR LOANS UP TO 60% OF VALUE 0 6 4 5 7 5 7 5 7 5   D I R E C T City Contents Careers

P628 Teletext 628 Jan26 22:11:01 SAVE OVER £50 A MONTH 2/5 * Savings based on the difference between the standard variable mortgage rate offered by Cheltenham & Gloucester Halifax and Northern Rock, currently 7.45% (7.8% APR), and Woolwich Direct's Switch & Save Mortgage rate, currently 6.35% (6.5% APR), capped until 1.4.03. Savings based on a remortgage of £60,000 on an interest-only basis. ** We aim to confirm your offer verbally within two hours of your initial call, subject to satisfactory credit references and valuation. Your written offer will then be dispatched by first-class post. APR variable and typical and calculated on the assumption that the initial capped mortgage rate of 6.35% will apply for the full term of the loan. However, from 1.4.03, the Woolwich's prevailing standard variable mortgage rate will, in fact, apply. These terms apply only City Contents Careers

P628 Teletext 628 Jan26 22:27:21 GET AN OFFER WITHIN 2 HOURS 3/5 where a written offer of advance was issued on or after 14.1.99 and the mortgage completed by 31.7.99. Capped- rate schemes have limited funds and may be withdrawn or amended at any time. Tzpical example: based on an interest rate of 6.35% and a property valuation of £120,000, a couple taking out a mortgage of £60,000 over 25 years (where the amount of the advance is 50% of the Woolwich's valuation of the property) would pay interest of £317.50 per month gross (300 payments). Deeds Administration Fee payable on redemption £65 and a single repayment of capital of £60,000. Total amount payable £155,315.00 - 6.35%, 6.5% APR. # There will be no solicitor's fees as we will be making our own arrangements to check the title to your property and secure our interest with a legal mortgage. If you instruct your own City Contents Careers

P628 Teletext 628 Jan26 22:17:44 NO LOCK-IN, NO FEES 4/5 solicitors you will be responsible for their costs. A first charge over your property will be required as securit8 for a mortgage. For interest-only loans, you are advised to arrange a suitable repayment vehicle to repay the capital at the end of the mortgage term. Available to customers who have a mortgage with another lender who want to transfer their mortgage to Woolwich Direct and are not moving home. Limited up to 60% of the Woolwich's valuation of the property. If the mortgage is either redeemed (in full or in part) or transferred to another scheme before 1.4.03, the value of the Switch & Save no fees package you have received must be repaid in full, subject to a maximum of £300, and a fee equivalent to six months' gross interest at the prevailing standard variable rate will be charged. All mortgages are subject City Contents Careers

P628 Teletext 628 Jan26 22:14:21 CALL NOW ON 0645 75 75 75 5/5 to status, valuation & a minimum age of 18. A written quotation is available on request from Woolwich Direct, PO Box 600, Sidcup, Kent DA14 6UE. Woolwich Direct is a service provided by Woolwich plc. Registered Office: Watling Street, Bexleyheath, Kent DA6 7RR. Registered no.3295699. Woolwich plc is an introducer firm only for Woolwich Life, Woolwich Unit Trust Managers and Woolwich Plan Managers which are regulated by the Personal Investment Authority for life assurance, pensions, unit trust and other investment business. Woolwich plc adheres to the principles of the Code of Mortgage Lending Practice. Copies of the Code are available on request. Rates correct at time of going to air. YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. City Contents Careers

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