COUNTRY
RATE
PURPOSE
MINIMUM LOAN
MAXIMUM LOAN
ANDORRA
3.05% Residential purchase, construction, renovation or extension.
€30,000 70% of the lower of puchase price or valuation of property.
ANTIGUA
9% Purchase or construction of residential properties.
£50,000
90% of the purchase price.
AUSTRALIA
5.99% Residential.
100,000 AUD
N/A
AUSTRIA
3.50% Residential, investment.
N/A
60% of purchase price
BAHAMAS
6.50% Residential and investment. Land purchase.
100,000 USD
70% loan to value
BARBADOS
4.65% Residential and Investment properties.
100,000 USD
N/A
BELGIUM
3.30% Residential and investment purchase.
€30,000 70% loan to value.
BRITISH
4.25% Residential, investment and construction
100,000 USD
VIRGIN ISLANDS BULGARIA 5.95% Residential purchase and investment. Buy-to-Let. 25,000 Euros
70% of purchase price. 50 % if you are building 60% restriction in Anguilla, St Kitts and Nevis. 70% of the property’s purchase price or valuation (can take the higher within reason)
CANADA
6.25% Residential, Investment, Re-mortgage.
$50,000 CND
65%-Rural areas. 70%Urban areas.
CAPE
9% Residential and investment
N/A
70% loan to value.
VERDE CARIBBEAN
6.50% Residential
Normally N/A $250,000 but negotiable. 100,000 USD 70% loan to value
CAYMAN ISLANDS
4.65% Residential and investment
CHINA
5.58% Residential and Investment
300,000 RBM (approx£1 9,500)
70%
CROATIA
8.55% Residential and Holiday Lets
n/a
50% loan to value or purchase price whichever is the lower.
CYPRUS
3.18% Loan purpose Residential and buy to let £23,700
80% of the properties purchase price
CZECH REPUBLIC
4.50% Residential Purchase, Construction of New Property. Remortgage, Refurbishment of existing property.
CZK 400k (approx £8k)
85% of the property’s purchase price
DUBAI
5.54% Residential, Buy to Let
100,000 AED
70% of purchase price.
EGYPT
14% Residential and investment
N/A
85% loan to value.
ESTONIA
4.25% Residential and investment
N/A
80% Loan to value.
FRANCE
3% Residential purchase, Buy-to-Let, and Re-Mortgages.
32000 Euros
85% of the properties purchase price (net of any included fees such as agents costs)
GERMANY
5.20% Residential, investment.
N/A
GREECE
4.25% Residential purchase, investment, land and development.
70% of purchase price. Possible higher ltv considered on €25,000 80% loan to value
HUNGARY
5.60% Residential Purchase, Investment, Refurbishment, Re-Mortgages (unencumbered property only) and commercial (different terms apply to commercial)
£2000
50 -70% of the properties purchase price (depending of affordability)
ICELAND
3.50% Residential, investment and remortgages
2,000,000 80% market ISK value.
INDIA
8% Residential,Investment and Land
Rs 5 lacs (approx £1,300)
Rs 1 crore (approx £130,000) 85% loan to value.
ISRAEL
6% Residential and investment.
25,000 USD
ITALY
3.30% Residential, Renovation.
80% loan to value. Subject to indemnity insurance. 60% loan to value, indemnity €50,000 70% Loan to Value
JAMAICA
14% Residential, investment and construction.
N/A
95% of the purchase price 75% loan to value or purchase price whichever is the lower.
LATVIA
4.50% Residential and investment.
n/a
LITHUANIA
3% Residential, investment, land purchase and construction finance.
n/a
70% loan to value or purchase price whichever is the lower. 90%
MALTA
4.50% Residential, investment and remortgages.
Lm 25,000
MOROCCO
5.80% Residential.
N/A
70% loan to value.
POLAND
5.60% Residential purchase and Buy-to-Let
Euro 23,000
50 - 70% of the properties purchase price
PORTUGAL
3% Residential, Self Build, Off Plan Staged Payments
call for details
70% Loan to Value
REPUBLIC of IRELAND
3.25% Residential, Investment
N/A
85% purchase price/valuatio n whichever is the lower.
SLOVAKIA
4.79% Residential, Investment.
£10,000
70% of the properties purchase price
SOUTH AFRICA
9% Residential, Investment, Re-financing for home improvement only.
Rand 100,000
50% non South African National. 80% South
SPAIN
3.05% Residential purchase, Buy-to-Let, and Re-Mortgages.
Euro 50,000
Up to 95% loan to value.
ST LUCIA
6.50% Residential, investment and remortgage.
100,000 in 70% Loan to either value USD, GBP,EURO, CAD
SWEDEN
3.25% Residential and investment
N/A
75% loan to value.
THAILAND
6% Residential, Freehold, leasehold and condominium property
S$100,000 S$1,000,000
TRINIDAD
8.25% Residential and investment
N/A
80% valuation or purchase price whichever is
8.25% Residential and investment & TOBAGO TURKEY N.CYPRUS n/a Coming soon 6% Residential
N/A
Coming soon call for details
80% valuation or purchase price whichever is Coming soon 65% Loan to Value
U.S.A (FLORIDA)
4% Residential and investment
$50,000
85% loan to value
U.S.A
1%+
Residential and Investment.
N/A
N/A
(Selected States)
TERM
MAX AGE
REPAY METHOD
CURRENCY
ADDITIONAL INFO
5-30 years
70 Capital and Euros Interest.
The total of all annual mortgage and loan repayments being made, including those for new mortgage not to exceed 40% of net annual income. Investment mortgages where payments are covered by rental income excluded. Interest only period available for a maximum 2 years.
30 years
65 Capital and East Interest Carribean Dollars. & USD
Total monthly debt payments, UK and Antigua, including insurance, taxes and utilities divided by total income should not exceed 40%. Approval from Foreign Investment Board required prior to purchasing property for non Australian or New Zealand citizens.
25 years
65 Capital and Australian Interest Dollar
25
65 Capital and Euro interest
Based on applicants financial standing and the ability to repay all loans including Austrian mortgage.
15 years
65 Capital & Interest.
15 years
Mortgage assessed on the basis of serviceability and amount of disposable income after normal running expenditure. 65 Capital and USD, Mortgage assessed on Interest. GBP,EURO, the basis of Interest CND serviceability and only option amount of disposable up to 2 income after normal years. running expenditure.
USD
20 years
65 Capital and Euro Interest
15
65 Capital and USD interest
Liabilities including new Belgium mortgage not to exceed 35% of net income. Must open current or savings account with lender. Mortgage assessed on the basis of serviceability and amount of disposable income after normal running expenditure. Your loan is based on your joint net ‘take home pay’. All your existing liabilities including any mortgage/rent payments, personal bank loans, credit card payments etc together with your proposed Bulgarian mortgage payment must not exceed 40% of your net monthly income.
5-25 Years availabl e
70 Capital and Euro Interest.
25 n/a Years Availabl e
Capital and Canadian Interest Dollars
Total Debt Service looks at Gross Annual Income needed to service all debts. Total Debt Service payments not to exceed 37-40% Gross annual income.
25 years
60 Capital and CVE. Mortgage assessed on interest Capeverdea the basis of seviceability n Escudos and amount of disposable income after normal running expenditure. Loan to value, up to 55%=9%.55% to 65%=9.5% and up to 70%= 10% 65 Capital and US Dollars Interest
Varies with location. 15 years
65 Capital and USD, Interest
5 to 30 years
65 Capital and HKD,USD Repayment and RMB.
Mortgage assessed on the basis of serviceability and amount of disposable income after normal running expenditure. 35% of net income less any other liabilities, i.e mortgage, loans, (secured or unsecured), credit cards.
10 years
65 Capital and Euros Interest
Net take home pay either joint or single less any liabilities, mortgage, loans, credit cards. Total expenses including Croatian mortgage should not exceed 35% net income. Croatian registered company must be set up. Your loan is based on your joint income. All existing liabilities including any mortgage/rent payments, personal bank loans, credit card payments etc together with your proposed Cypriot mortgage payments must not exceed 60% of your monthly income for employed persons and 40% for self-employed persons. 3.3 x single income or 2.7 x joint income must cover all exisiting UK liabilities including residential mortgage payment, personal bank loans, credit card payments etc together with new Czech mortgage payment. Rental income will be taken into account. Czech registered company must be set
10 - 25 Years availabl e
65 Repayment mortgages (Capital and Interest) only
Cypriot Pounds (CYP) Euro (EUR) Sterling (GBP) US Dollars (USD) Swiss Francs (CHF)
5-15 Years availabl e
65 Repayment Czech Mortgage Koruna (Capital & Interest) only
1 - 20 years
60 Capital & Interest
Dirham (AED)
Employed minimum 3 years. Debt service ratio not to exceed 55% of net income. Self employed minimum 3 years. Monthly bank credits equivalent to 2.5 times monthly instalment of new mortgage. Developments must be approved. Some developments restricted maximum loans. Maximum monthly installment not to exceed 25% of monthly income. To obtain pre approval, proof of land ownership required and name of developer. Cost of new mortgage plus UK liabilities not to exceed monthly income.
30 years
65 Capital and Egyptian interest Pounds
30 years
65 Capital and EEK interest
5-25 Years availabl e
70 Capital and Euro Interest or interest only (restricted availability)
Your Loan is based on your joint net ‘take home’ pay. All your existing liabilities including any mortgage/rent payments, personal bank loans, credit card payments etc together with your proposed French mortgage payments must not exceed 40% of your net monthly income.
30 years
65 Capital and Euro Interest
Based on applicants financial standing and repayment ability.
20 years
70 Capital & Interest
Euros
Seviceability of existing liabilities and new Greek mortgage based on net income
1-35 Years availabl e
68 Capital and Euro, Swiss Interest. Franc or Hungarian Forint.
40 years
65 Capital and ISK or any interest. major foreign currency. Can have mix of currencies with fixed index-linked interests.
Your loan is based on your joint net ‘take home’ pay. All of your existing liabilities including any mortgage/rent payments, personal bank loans, credit card payments etc together with your proposed Hungarian mortgage payments. Restrictions apply for Hungarian companies, Kft or Bt. Maximum 50% loan to value. Term 7 to 10 years. Self-cert available up to 50% loan to value. Based on individual affordability. Total monthly liabilites including new mortgage not to exceed 40% gross income.
Salaried 15 years. Self employe d 10 years.
70 Capital and Rupee interest
15 years
65 Capital and USD,GBP interest. and EURO Interest only option available for 2 years.
Available to Non Resident Indian nationals (NRI). Mortgage and term based on affordability and repayment capability as well as employment status. Income has to be proven as well as liabilities. General rule. New mortgage along with other liabilities must not exceed 50% Proof of borrowers ability to repay the loan has to be evidenced by lender.
10 to 30years
75 Capital & Euro Interest. Interest Only (Conditions apply) 65 Capital and Jamaican interest Dollars
All mortgage /loan repayments including proposes mortgage not to exceed 30% of gross income.
35 years
Based on individual circumstances and dispoable income. Cost of new mortgage plus UK liabilities not to exceed monthly income.
30 years
65 Capital and Euro interest
15 years
65 Capital and Euro interest
Cost of new mortgage plus UK liabilities not to exceed monthly income.
40 years
65 Capital and LM,Euro,GB Repayments are not to Interest. P or USD. exceed 25% of your Optional 2 total gross income. year moratorium on the repayment of capital. 65 Capital and Dirhams interest. Affordability based on serviceability. Deposit of 6 months mortgage installments may be requested to be held in bank account. Rates revised annually, fixed for 5 years or fixed for duration of mortgage.
15 years
Upto 25 Years availabl e
70 Capital and Zloty, Euro, Buy-to-Let - based on Interest. Sterling and confirmed main income US Dollars plus 50% of projected rental income. Residential Purchase 2.5 X net annual income less mortgage (main residence), loans, credit cards etc.
2 to 20 Years availabl e
65 Capital & Interest
Euro
3 times gross income, less UK commitments, i.e. outstanding mortgage balance secured and unsecured loans Approval of loan subject to evaluation of appicants financial standing and repayment ability.
Up to 25 years
5-15 Years availabl e
65 Flexible Euros with up to 5 years interest only option.Then reverts to capital and interest. 65 Capital and Slovak Interest. Crown
20 Years availabl e.
65 Capital and South interest African Rand
Your Loan is based on your joint net ‘take home’ pay. All your existing liabilities including any mortgage/rent payments, personal bank loans, credit card payments etc together with your proposed Slovak mortgage payments must not exceed 35% of your net monthly income. 35% of net income less any other liabilities, i.e mortgage, loans and credit cards.
5 - 30 Years availabl e
5-15 years
Your Loan is based on your joint net ‘take home’ pay. All your existing liabilities including any mortgage/rent payments, personal bank loans, credit card payments etc together with your proposed Spanish mortgage payments must not exceed 35% of your net monthly income. PROOF OF INCOME IS NORMALLY REQUIRED 65 Capital & USD, GBP, Mortgage assessed on Interest. 2 EURO, CAD. basis of serviceability year and amount of interest disposable income after only option normal expenditure. available on loans over $750,000. 65 Capital and Swedish Mortgage assessed on interest Krona, GBP the basis of serviceability and amount of disposable income. 65 Capital and SGD, USD interest. or any other major currency acceptable to bank at time of application. 65 Capital and Trinidad Interest and Tobago Dollar (TTD) Approval of loan subject to evaluation of applicants financial standing and repayment ability.
75 Repayment Euro mortgages (Capital and Interest) or Interest only (restricted availability)
25 years
10 years
25 years
Debt servicing ratio including new mortgage must not exceed 35% of gross income.
25 years
65 Capital and Trinidad Interest and Tobago Dollar (TTD) Coming soon 65 Capital & Interest
Debt servicing ratio including new mortgage must not exceed 35% of gross income.
Coming n/a soon 5 years
Coming Coming soon soon Euros & US Residents of Northern Dollars Cyprus up to 20 years mortgage term available. Turkish title only.
30 years
N/A
Capital and USD or GBP Based on serviceability. interest Self- certification available, but may restrict maximum loan.
Up to 40 years.
Depend Capital & U.S Dollars. Each case determined s Interest on its own merits and although dependant on which interest State. Alabama, only is California, Colorado, possible Georgia, Illinois, with Indiana, Kentucky, conditions. Michigan, Minnesota, on Mississippi, Missouri, State. Nevada, Ohio and Oregan.