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Coventry Building Society- Buy-to-Let Fixed Rate

Type: Fixed-rate buy-to-let mortgage
Fixed term: Until December 31, 2009
Fixed rate: 6.25%
Minimum loan: £25,001
Maximum loan: Up to 85% of valuation subject to a maximum of £300,000
Income multiples: Rental income must be at least 130% of mortgage repayments
Conditions: Capital repayments of up to 5% a year allowed without penalty, free valuation, discounted legal fees for remortgages
Arrangement fee: £399
Redemption fee: 3.5% of mortgage balance until December 31, 2009
Introducer&#39s fee: Subject to negotiation
Tel: 0845 7767825
UNIT-LINKED FUNDS
FRIENDS PROVIDENT
Stewardship Safeguard Optimiser Fund
Type: Unit-linked fund
Aim: Growth linked to the performance of the Isis Stewardship Growth Fund and the Barclays Global Investors Liquidity Plus Fund
Minimum investment: Lump sum £5,000
Investment split: 70% Isis Stewardship Growth Fund, 30% Barclays Global Investors Liquidity Plus Fund
Charges: Annual 0.6% plus annual 1.25% for Investment Portfolio Bond
Commission: Initial up to 5.25% or initial 3.25, renewal 0.5%, extra 0.25% initial for online applications
Tel: 0845 7573036
ENTERPRISE INVESTMENT SCHEMES
CARNABY FILMS
Carnaby International
Type: Enterprise investment scheme
Aim: Growth by investing in the worldwide distribution of films and television programmes
Minimum investment: Lump sum £2,000
Closing date: July 30, 2004
Charges: Implicit
Commission: Initial 3%
Tel: 08704 586281
OFFSHORE INVESTMENTS
INSIGHT INVESTMENT
Insight Foundation Property Trust
Type: Closed-ended fund
Aim: Income and growth by investing in UK commercial property
Minimum investment: Lump sum £2,000
Investment split: 37% retail, 33% industrial, 30% offices
Isa link: Yes
Pep transfers: Yes
Place of registration: Guernsey
Charges: Initial up to 2.5%, annual up to 1.3%
Commission: Initial up to 3%
Tel: 0845 850 6050
MANOR PARK
Guaranteed UK Selected Growth September 2004
Type: Guaranteed growth bond
Aim: Growth linked to the performance of the FTSE 100 index
Minimum investment: Lump sum £5,000
Investment split: 100% linked to the FTSE 100 index
Place of registration: Guernsey
Term: Three years
Return: Choice of 210%, 160%, 110% or 60% growth in index at end of term
Guarantee: Choice of 85%, 90%, 95% or 100% of original capital returned at end of term regardless of performance of index
Closing date: September 10, 2004
Charges: Implicit
Commission: Initial 3%
Tel: 0845 6030232
GUARANTEED EQUITY BONDS
WOOLWICH PLAN MANAGERS
Woolwich Capital Growth Plan
Type: Guaranteed equity bond
Aim: Growth linked to the performance of the FTSE 100 index
Minimum-maximum investment: £3,000-£500,000, Isa £7,000
Term: Six years
Return: 30% of original investment at the end of year three if the index has risen by at least 30% or 107.5% growth in index at end of term
Guarantee: Original capital returned in full regardless of performance of index
Closing date: August 20, 2004, August 6, 2004 Pep/Isa transfers
Commission: Initial 3%
Tel: 0845 070 5087

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