Overseas Mortgages & Finance Facilities...

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Interest Rate	15 Year Repayment Period	20 Year Repayment Period	25 Year Repayment Period	30 Year Repayment Period
3%	6.98	5.55	4.47	4.19
3.5%	7.14	5.80	5.01	4.49
4%	7.39	6.05	5.28	4.77
4.5%	7.64	6.31	5.56	5.07
5%	7.90	6.60	5.85	5.37
5.5%	8.17	6.88	6.14	5.68
6%	8.43	7.16	6.44	6.00
6.5%	8.71	7.46	6.75	6.32
7%	8.98	7.75	7.07	6.65

Various types of overseas mortgages are available i.e. repayment or "interest only", the latter being popular with buy to let clients. This table illustrates a typical monthly repayment for each €1,000 borrowed. To calculate your monthly repayment, multiply the appropriate entry in the table by the number of Euros borrowed.

For example, €100,000 mortgage with interest rate of 5% repaid over 20 years = €660 per month.

SECURED & UNSECURED UK LOANS

Why a Loan?

Secured Loans can be used for almost any purpose. This could be prudent consolidation of debts, a new car or a break away from it all, but are especially useful for positive investments in the future of your home and family, for example, renovations or a second home abroad!

Why a Secure Loan?

	House prices have been increasing rapidly in recent years creating equity in your property which can be accessed through a secured loan.
	By choosing a secured loan, heavy redemption penalties caused by re-mortgaging can be avoided.
	Secured loans are usually easier to obtain than a regular mortgage and often process quicker
	Secured Loans can offer lower monthly payments than Unsecured Loans because there are longer repayment terms available and, as they are secured by your home, the interest rates can be better.
	When credit status dictates that unsecured loan is unavailable, you should still be able to secure a loan against your property.
	There are no expensive solicitor’s fees to pay; in fact, there are no up front costs at all

Does my Credit Status Matter?

We will help you find a secured loan whether you have a perfect credit history or not. Even if you have had challenges with CCJ's or bankruptcy orders, we still have lenders that can offer you a secured loan

	We have obtained loans using up to 125% of our client’s property value as they had no adverse credit and proof of income
	We have obtained loans using up to 75% of our client’s property value even though they had heavy adverse credit

Does the Type of Security Matter?

We are able to organise loans against any sort of security, so residential, buy to let and commercial properties will all be considered.

Does My Income Source Matter?

We are able to help you get a loan whether you are employed, self-employed, receiving DSS benefits or a pension, or would like to self certificate your income.

How much can I borrow?

By considering factors such as the value of your home, the amount of the outstanding mortgage and any other secured loans, and your income versus your commitments, we will work with you to put together a loan package for your consideration. often when we look at organising you a loan, we are able to actually reduce your total monthly payments and therefore increase your affordability.

Should I Consider An Unsecured Loan?

	This is a loan where the lender has no immediate rights over property owned by you
	We can raise up to £25,000 for our clients who have proof of income, no adverse credit and are homeowners, with rates ranging from 8.8% APR to 22.7% APR (9.4% APR Typical)
	Even if you do not have such a good credit score, we can raise up to £15,000 per couple or £7,500 per individual and the rates are still competitive.

Relax - let us make it easy for you!

	Our strategic partners will provide you with a professional and personal service of the highest standard, so you can borrow with confidence
	They have access to all of the lenders in the market, so we can find the best option for you, with only 1 footprint on your credit file
	We are here to help. If you are ready to apply immediately, please call 0845 050 5371 and let us answer any questions you may have and we will start finding you the best loan option for you now