If you're looking for a great remortgage deal and a personal service with no automated phone systems, try Teachers! Our new 3.49% 2 year discounted variable rate could be for you if you have 25% equity in your home.

	Standard Variable Rate is discounted by 1.50% for 2 years then our Standard Variable Rate currently
	for the rest of the term. The overall cost for comparison is

• Early Repayment Charges apply during the discount rate period
• Arrangement fee of £999.

New Charity Saver Helps Fund Support for Teachers

We're delighted to launch our new Charity Saver, designed to provide donations to the Teacher Support Network as well as rewarding savers with a competitive rate.

A regular saver account, the Charity Saver allows a higher maximum monthly deposit than many similar accounts on the market:

• 3.50% gross/AER includes a 2.15% bonus for the first 12 months
• One withdrawal without penalty in the first year
• Save £10 to £500 per month.

Are you planning to buy your first home in the New Year? Recent research by Rightmove* shows an increase in the number of buyers planning to purchase their first home in 2011, perhaps tempted by falling house prices.

If you're among them, our friendly mortgage consultants can help you every step of the way. At Teachers we strive to help first-time buyers by:

• Supporting HomeBuy Direct, a government scheme providing an
interest-free equity loan meaning that buyers may not need to find
a deposit
• Providing mortgages for up to 90% loan-to-value
• Offering a guarantor plan to enable buyers to borrow more than we
would normally be prepared to lend if a family member can guarantee
part of the loan
• Supporting the NewBuild HomeBuy shared ownership scheme

* Source: Rightmove Consumer Confidence Survey October 2010

Whether you're pushing the boat out this Christmas or cutting the cost, the New Year is a great time to welcome in some new savings habits. We've scoured the web and come up with 10 tips to help you spend a little less and save a little more.

Contact Teachers
Teachers Building Society, Allenview House, Hanham Road, Wimborne, Dorset BH21 1AG

Authorised and regulated by the Financial Services Authority (Registration no. 156580)