§ Mr. Jack
To ask the Chancellor of the Exchequer what proposals are being considered by his Department, the Inland Revenue and Customs and Excise to help sustain and develop the viability of rural and urban sub post offices. 
Variable rate Fixed or capped rate Charges—No separate charge for mortgage indemnity guarantee insurance. Any other fees disclosed up front, including any fees and charges which may be payable later in the mortgage. Interest calculated and capitalised daily. No fee payable by the borrower for arranging the mortgage. Interest rate no higher than two percentage points above base rate. Interest rates to adjust to keep within the prescribed margin against base rate within four weeks for downward movements. No redemption or early settlement charge at any time. Any booking fee not to exceed £150. Any redemption charge should be a maximum of 1 per cent. of the loan for each remaining year of the fixed period, reducing monthly, and expressed in cash terms. No redemption charge after the fixed or capped rate period. No redemption charge if the borrower continues the mortgage when purchasing a new property with or without a top-up loan.
§ Mr. Timms
I refer the right hon. Member to the answer given to him by the Minister for Competitiveness on 20 January 2000,Official Report, columns 519–20W.