International Mortgage News

Multi-Currency Mortgage Lending in Portugal

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.

Multi-Currency Mortgage Lending in Spain

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.

Mortgage Finance for Expats and non-residents in Qatar

Qatar, like its nearby neighbour, Dubai, is one of the wealthiest regions in the World. Unlike Dubai it is only now beginning to expand massively with regards to property investment. If you are interested in getting in at the early stages of this potentially huge opportunity and require mortgage finance, then take a look at the details below.

International-Mortgage-Broker.com is happy to announce that it is one of the first brokers to arrange mortgages in Qatar:

• We can finance up to 65% of the purchase price, meaning a 35% down payment has to be provided.
• Finance is case sensitive to the age and the monthly income you receive
• We can arrange mortgages for up to 20 years on a repayment basis.The loan has been repaid, however, by the time you reach the age of 60.
• If you wish to make a joint application, we will also need to look at their source of income, obligations with other banks, and other financial background.
• The Interest rate is currently at 9.25% on a variable basis.
• Other charges include a management fee of 1% of the loan amount.
• There is an early repayment charge of 1% of the remaining balance.

(Information correct as at October 2008.)

Regarding investment in the Qatar property market, kindly note that there are only a few places that expats/ non-residents can currently own a free hold property.

We are able to obtain pre-approval of mortgages for customers, so whether you are at the very early stages of thinking about purchasing a property in Qatar or have already found your Qatar  property, we may be able to help.

Want to find out more information, please click contact me via my website:  www.international-mortgage-broker.com

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.

Latest News for Expats buying in Greece & Cyprus (24/11/2008)

We are able to obtain pre-approval of mortgages for customers, so whether you are at the very early stages of thinking about purchasing a property in Greece or Cypruss, already found your new property, or currently have a mortgage on your home and wish to save money, we maybe able to help.

Want to find out more information, please click contact me via my website:  www.international-mortgage-broker.com

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.

Mortgages for Foreign Nationals buying property in Greece

The ‘Credit Crunch’ has meant that many banks are now restricting their lending on property in Greece to 50% of the value of the property to foreign nationals.

Whether for an investment or a holiday home, this could be the perfect opportunity. We can currently offer mortgages on Greek property at 90% of the value, 10% Deposit ONLY required.

Arranging a mortgage in Greece :

• Loans available for Purchase, Construction or Home
Improvements
• Loan advance of 90% of the market value of the property
and not the purchase price
• Range of Currencies - Euros, Swiss Francs, US Dollars and
any other currency provided it is funded by the banks
• Interest Rates start from 4.00% in Swiss Francs
• Fixed Rate of Interest available for 3, 5, 10, 15, 20 and 25
years
• Variable Rate Mortgages with no Early Redemption Charges
• Reduced Banking and Legal Charges
• No Valuation Fees
• Maximum loan term 30 years
• Overpayment, Underpayment and Payment Holiday facility,
subject to the terms and conditions of the lender.
• Access to 24 hour Online Banking
• Minimum Documentation for an Application (copy of
passport, latest P60 and payslip or tax assessment, if self-employed)
• Shortened Two Page Mortgage Application Form
• Pre-approval and quotations within hours of an Initial
Enquiry
• Currency Review Switching Service

We are able to obtain pre-approval of mortgages for customers, so whether you are at the very early stages of thinking about purchasing a property in Greece, already found your new property, or currently have a mortgage on your Greek home and wish to save money, we maybe able to help.

Want to find out more information, please click contact me via my website:  www.international-mortgage-broker.com

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.

Expats and Foreign nationals buying or remortgaging property in Australia

This is particularly great for clients working in: Hong Kong, Singapore and Japan, as an example; who get paid in the local currency and can therefore benefit from the rates available in their respective currencies.

Please note you must have some connection with the currency of your choice, ideally having income in the currency of the mortgage. We do not recommend ‘currency mortgages’ as a cheap method of finance per se. Exposure to exchange rate risk can cause significant increases in the monthly payments and in the size of your debt.

Rates Available:

GBP 6%
EURO 6.41%
USD 5.07%
CAD 5.38%
AUD 8.95%
NZD 10.31%
CHF 4.11%
YEN 2.15%
HKD 5.25%
SGD 3.33%
Rates correct as at 01/10/08

A minimum deposit of 30% is required.

This product is only available to Expats and non residents wishing to buy property in Australia. We cannot accept applications for Currency Mortgages from Australian residents with this particular product/lender.

We are currently working on developing relations with other banks and brokers to expand our offering in Australia, so even if you do not fit the above criteria we might be able to help.

Please feel free to contact me via my website: www.international-mortgage-broker.com

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.

© Julian Fidler 2008 - International-Mortgage-Broker.com provides Mortgage & Lending Solutions for the International / Overseas Property Market. We work with Private Banks & Off-shore Mortgage Lenders.

See our Mortgage Case Portfolio for examples: Caribbean Mortgage, American Mortgage, French Mortgage, Spanish Mortgage , Greek Mortgage.

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