Just a quick update on the French market and to clarify the various options available:

1. Standard Euro Mortgage on French Property

Arrange a standard Euro Mortgage through a French bank or an internatnational bank based in France.

French banks will still lend up to 85% of the value of the property, even in the current climate and rates are in my opinion pretty amazing at the moment. Particulary long term fixed rates.

2. Currency Mortgage on French Property

There are international banks that will lend on French property and will do so in most major currencies. Clearly the bank will require some justification of the added risk factor, i.e. if your income is in Sterling and you want to pay the mortgage in sterling, this makes perfect sense. In this scenario, you should be able to borrow up to 70% of the value of the property.

3. Private Bank Lending on French Property

The third option is for wealthy clients and involves the Private banks, this is typically for large loans and the structure of the loan is negotiable on a case by case basis. Historically I’ve arranged loans up to 75% of the value of a property (100% where other asets are taken into consideration), but in current market conditions, Private banks are only likely to lend 50%* of the value of the property. (*Feel free to contact me to discuss this).

As with option two, lending can be arranged in all major currencies and may also offer switching facilities if required.

Details correct at 08/10/09

Individuals must demonstrate adequate net asset value and disposable income to service the loan.

Want to find out more information, please contact us via our website: www.international-mortgage-broker.com

www.international-mortgage-broker.com and IMB Financial Solutions are trading names of Julian Myles Fidler

Your home or foreign property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Be sure you can afford the repayments before entering into any credit agreement. Any quotation supplied is not an offer of a mortgage. Overseas mortgages are not regulated by the UK Financial Services Authority, you will not be protected by them in respect to advice given.

This service is designed for customers planning to purchase properties outside their country of residence.

Where a client is associated with a particular currency via their earnings or assets, it can make sense, to borrow in that particular currency. An example being someone who is paid in Swiss Francs, purchasing a property in Canada. The mortgage would normally be arranged in Canadian Dollars, but can be arranged in Swiss Francs to minimise the clients exposure to regular exchange rate shifts.

Currencies available include: Sterling, Euros, Swiss Francs, US Dollars, Hong Kong Dollars, Singapore Dollars, Australian Dollars, New Zealand Dollars and Japanese Yen.

Currently lending of this type can be arranged in Canada to a maximum of 70% of the value of the property.

Details correct at 14/07/09

Individuals must demonstrate adequate net asset value and disposable income to service the loan.

Want to find out more information, please contact us via our website: www.international-mortgage-broker.com

www.international-mortgage-broker.com and IMB Financial Solutions are trading names of Julian Myles Fidler

Your home or foreign property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Be sure you can afford the repayments before entering into any credit agreement. Any quotation supplied is not an offer of a mortgage. Overseas mortgages are not regulated by the UK Financial Services Authority, you will not be protected by them in respect to advice given.

This service is designed for customers planning to purchase properties outside their country of residence.

Where a client is associated with a particular currency via their earnings or assets, it can make sense, to borrow in that particular currency. An example being someone working in the United Kingdom, who is paid in Sterling, purchasing a property in Australia. The mortgage would normally be arranged in Australian Dollars, but can be arranged in Sterling to minimise the clients exposure to regular exchange rate shifts.

Currencies available include: Sterling, Euros, Swiss Francs, US Dollars, Hong Kong Dollars, Singapore Dollars, Australian Dollars, New Zealand Dollars and Japanese Yen.

Currently lending of this type can be arranged in Australia to a maximum of 70% of the value of the property.

Details correct at 14/07/09

Individuals must demonstrate adequate net asset value and disposable income to service the loan.

Want to find out more information, please contact us via our website: www.international-mortgage-broker.com

www.international-mortgage-broker.com and IMB Financial Solutions are trading names of Julian Myles Fidler

Your home or foreign property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Be sure you can afford the repayments before entering into any credit agreement. Any quotation supplied is not an offer of a mortgage. Overseas mortgages are not regulated by the UK Financial Services Authority, you will not be protected by them in respect to advice given.

In the case of Hong Kong, this service is available to residents and non-resident.

Where a client is associated with a particular currency via their earnings or assets, it can make sense, to borrow in that particular currency. An example being someone paid in US dollars, who is purchasing a property in Hong Kong. The mortgage would normally be arranged in Hong Kong Dollars, but can be arranged in USD to minimise the clients exposure to regular exchange rate shifts.

Currencies available include: Sterling, Euros, Swiss Francs, US Dollars, Hong Kong Dollars, Singapore Dollars, Australian Dollars, New Zealand Dollars and Japanese Yen.

Currently lending of this type can be arranged in Hong Kong to a maximum of 70% of the value of the property.

Details correct at 14/07/09

Individuals must demonstrate adequate net asset value and disposable income to service the loan.

Want to find out more information, please contact us via our website: www.international-mortgage-broker.com

www.international-mortgage-broker.com and IMB Financial Solutions are trading names of Julian Myles Fidler

Your home or foreign property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Be sure you can afford the repayments before entering into any credit agreement. Any quotation supplied is not an offer of a mortgage. Overseas mortgages are not regulated by the UK Financial Services Authority, you will not be protected by them in respect to advice given.

In the case of Singapore, this service is available to residents and non-resident.

Where a client is associated with a particular currency via their earnings or assets, it can make sense, to borrow in that particular currency. An example being someone paid in US dollars, who is purchasing a property in Singapore. The mortgage would normally be arranged in Singapore Dollars, but can be arranged in USD to minimise the clients exposure to regular exchange rate shifts.

Currencies available include: Sterling, Euros, Swiss Francs, US Dollars, Hong Kong Dollars, Singapore Dollars, Australian Dollars, New Zealand Dollars and Japanese Yen.

Currently lending of this type can be arranged in Singapore to a maximum of 70% of the value of the property.

Details correct at 14/07/09

Individuals must demonstrate adequate net asset value and disposable income to service the loan.

Want to find out more information, please contact us via our website: www.international-mortgage-broker.com

www.international-mortgage-broker.com and IMB Financial Solutions are trading names of Julian Myles Fidler

Your home or foreign property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Be sure you can afford the repayments before entering into any credit agreement. Any quotation supplied is not an offer of a mortgage. Overseas mortgages are not regulated by the UK Financial Services Authority, you will not be protected by them in respect to advice given.

This service is designed for customers planning to purchase properties outside their country of residence.

Where a client is associated with a particular currency via their earnings or assets, it can make sense, to borrow in that particular currency. An example being someone working in Japan, who is paid in Japanese Yen, purchasing a property in Dubai. The mortgage would normally be arranged in Dirhams, but can be arranged in Yen to minimise the clients exposure to regular exchange rate shifts.

Currencies available include: Sterling, Euros, Swiss Francs, US Dollars, Hong Kong Dollars, Singapore Dollars, Australian Dollars, New Zealand Dollars and Japanese Yen.

Currently lending of this type can be arranged in Dubai to a maximum of 50% of the value of the property.

Details correct at 14/07/09

Individuals must demonstrate adequate net asset value and disposable income to service the loan.

Want to find out more information, please contact us via our website: www.international-mortgage-broker.com

www.international-mortgage-broker.com and IMB Financial Solutions are trading names of Julian Myles Fidler

Your home or foreign property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Be sure you can afford the repayments before entering into any credit agreement. Any quotation supplied is not an offer of a mortgage. Overseas mortgages are not regulated by the UK Financial Services Authority, you will not be protected by them in respect to advice given.

This service is designed for customers planning to purchase properties outside their country of residence.

Where a client is associated with a particular currency via their earnings or assets, it can make sense, to borrow in that particular currency. An example being someone working in Singapore, who is paid in Singapore Dollars, purchasing a property in New Zealand. The mortgage would normally be arranged in New Zealand Dollars, but can be arranged in Singapore dollars to minimise the clients exposure to regular exchange rate shifts.

Currencies available include: Sterling, Euros, Swiss Francs, US Dollars, Hong Kong Dollars, Singapore Dollars, Australian Dollars, New Zealand Dollars and Japanese Yen.

Currently lending of this type can be arranged in New Zealand to a maximum of 70% of the value of the property.

Details correct at 14/07/09

Individuals must demonstrate adequate net asset value and disposable income to service the loan.

Want to find out more information, please contact us via our website: www.international-mortgage-broker.com

www.international-mortgage-broker.com and IMB Financial Solutions are trading names of Julian Myles Fidler

Your home or foreign property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Be sure you can afford the repayments before entering into any credit agreement. Any quotation supplied is not an offer of a mortgage. Overseas mortgages are not regulated by the UK Financial Services Authority, you will not be protected by them in respect to advice given.

This service is designed for customers planning to purchase properties outside their country of residence.

Where a client is associated with a particular currency via their earnings or assets, it can make sense, to borrow in that particular currency. An example being someone working in the United Kingdom, who is paid in Sterling, purchasing a property in Portugal. The mortgage would normally be arranged in Euros, but can be arranged in Sterling to minimise the clients exposure to regular exchange rate shifts.

Currencies available include: Sterling, Euros, Swiss Francs, US Dollars, Hong Kong Dollars, Singapore Dollars, Australian Dollars, New Zealand Dollars and Japanese Yen.

Currently lending of this type can be arranged in Portugal to a maximum of 70% of the value of the property.

Details correct at 14/07/09

Individuals must demonstrate adequate net asset value and disposable income to service the loan.

Want to find out more information, please contact us via our website: www.international-mortgage-broker.com

www.international-mortgage-broker.com and IMB Financial Solutions are trading names of Julian Myles Fidler

Your home or foreign property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Be sure you can afford the repayments before entering into any credit agreement. Any quotation supplied is not an offer of a mortgage. Overseas mortgages are not regulated by the UK Financial Services Authority, you will not be protected by them in respect to advice given.

This service is designed for customers planning to purchase properties outside their country of residence.

Where a client is associated with a particular currency via their earnings or assets, it can make sense, to borrow in that particular currency. An example being someone working in the United Kingdom, who is paid in Sterling, purchasing a property in the USA. The mortgage would normally be arranged in US Dollars, but can be arranged in Sterling to minimise the clients exposure to regular exchange rate shifts.

Currencies available include: Sterling, Euros, Swiss Francs, US Dollars, Hong Kong Dollars, Singapore Dollars, Australian Dollars, New Zealand Dollars and Japanese Yen.

Currently lending of this type can be arranged in the USA to a maximum of 50% of the value of the property.

Details correct at 14/07/09

Individuals must demonstrate adequate net asset value and disposable income to service the loan.

Want to find out more information, please contact us via our website: www.international-mortgage-broker.com

www.international-mortgage-broker.com and IMB Financial Solutions are trading names of Julian Myles Fidler

Your home or foreign property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Be sure you can afford the repayments before entering into any credit agreement. Any quotation supplied is not an offer of a mortgage. Overseas mortgages are not regulated by the UK Financial Services Authority, you will not be protected by them in respect to advice given.

This service is designed for customers planning to purchase properties outside their country of residence.

Where a client is associated with a particular currency via their earnings or assets, it can make sense, to borrow in that particular currency. An example being someone working in Hong Kong, who is paid in Hong Kong Dollars, purchasing a property in Spain. The mortgage would normally be arranged in Euros, but can be arranged in Hong Kong dollars to minimise the clients exposure to regular exchange rate shifts.

Currencies available include: Sterling, Euros, Swiss Francs, US Dollars, Hong Kong Dollars, Singapore Dollars, Australian Dollars, New Zealand Dollars and Japanese Yen.

Currently lending of this type can be arranged in Spain to a maximum of 60% of the value of the property.

Details correct at 14/07/09

Individuals must demonstrate adequate net asset value and disposable income to service the loan.

Want to find out more information, please contact us via our website: www.international-mortgage-broker.com

www.international-mortgage-broker.com and IMB Financial Solutions are trading names of Julian Myles Fidler

Your home or foreign property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Be sure you can afford the repayments before entering into any credit agreement. Any quotation supplied is not an offer of a mortgage. Overseas mortgages are not regulated by the UK Financial Services Authority, you will not be protected by them in respect to advice given.