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option  a  two  year  'capital        fixed  rate  is  reviewed  at     will      normally       be
            holiday'  can  be  arranged,          the end of each fixed rate        credited  within  a  few


            during  which  you  need              period,  and  there  is  an       minutes.
            only  pay  off  the  interest,        option  with  the  base  rate
                                                                                    Keeping  track  of  your
            thereby  reducing        your         option  to  switch  to  the
                                                                                    financial position
            initial outgoings                     fixed rate at any time.
                                                                                        Quality    decision    -
             - an endowment mortgage              We  will  require  security
                                                                                    making      depends      on
             - a pension mortgage.                in the form of a mortgage
                                                                                    quality  of  information,
                   With  the  endowment           on  the  property  to  be
                                                                                    and     you      need     a
            and  pension-linked  repay-           purchased. In the case of
                                                                                    comprehensive  picture
            ment  options  you  can               an  endowment  mortgage,
                                                                                    of      your      financial
            improve  your  cashflow               the  endowment  policy
                                                                                    position.  Our  Business
            throughout  the  term  of             must  also  be  assigned  to
                                                                                    Master  service  allows
            your  mortgage,  because              Barclays  as  security.  For
                                                                                    your  computer  to  link
            you pay only the  interest            pension  mortgages,  life
                                                                                    directly  with  ours  and
            and  the  life  assurance  or         insurance  cover  will  be
                                                                                    lets  you  access  your
            pension  premiums  during             required.
                                                                                    vital  account  informa-
            the  mortgage  period  with                   Urgent         large
                                                  payments                          tion  when  you  want  it.
            repayment  of  the  capital
                                                  If  you  occasionally  need
            sum  being  deferred  until                                             This  gives  you  much
                                                  to  make  large  one-off
                                                                                    greater      ability     to
            the end.
                                                  payments in a hurry, you
                                                                                    deploy  your  resources
                                                  can simply call into your
                                                                                    profitably       -      for
                                                  nearest  Barclays  branch
                                                                                    example,  minimising
                                                  and  we  will  do  the  rest
                                                                                    borrowings             and
                                                  through     the    Clearing
                                                                                    making me best use of
                                                  House  Automated  Pay-
                                                                                    surplus funds.
                                                  ments  System,  CHAPS
                                                                                        For  more  informa-
                                                  for  short.  The  payment
                Interest  rates  can  be                                            tion  on  our  money

            fixed  or  variable.  The                                               transmission
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