tag:blogger.com,1999:blog-33880120221778222912024-03-06T20:01:35.382+00:00Financial NorthWe offer you our services and years of experience in arranging a mortgage facility. As an Independent Mortgage's Broker we offer our services in Spain, Italy, UK (for expats and foreigners), Monaco, France, US, Switzerland, Portugal.
Being fully independent, allow us to offer you a wider choice of lenders, providing you with the best option for your specific requirements.Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.comBlogger14125tag:blogger.com,1999:blog-3388012022177822291.post-10243647617624217792018-02-15T17:28:00.002+00:002018-02-15T17:36:24.857+00:00BOOSTING PROPERTY SALES: CASE STUDY 2<h1 class="null" style="background-color: white; box-sizing: border-box; color: #515151; font-family: "Trebuchet MS", Trebuchet, Verdana, sans-serif; font-size: 40px; letter-spacing: -1px; line-height: 18.48px; margin: 10px 20px; padding: 0px; text-align: center;">
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<span style="color: teal;"><strong><span style="font-size: 27px;">Boosting estate agent’s sales<br /><br />by offering the right finance solutions</span></strong></span></h1>
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<span style="color: green;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><strong>Case study 2: </strong><br /><strong>Commercial real estate transaction structured as a sale lease back</strong></span></span></h4>
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<span style="color: dimgrey;"><span style="font-size: 13px;"><span style="font-family: "arial" , "helvetica neue" , "helvetica" , sans-serif;">An estate agent which we collaborate with, introduced us to a family office of hoteliers who wanted to raise finance on a 4 stars hotel located in Spain as they required funds to acquire another hotel which was a strategic and opportunistic investment.<br /><br />Due to their existing financial commitments, this family office did not meet traditional banks affordability ratios and their finance application was turned down.<br /><br />Based on the hotel’s excellent location and recurrent operating profits over the years, we structured a sale lease back transaction through an international REIT (real estate investment trust).<br /><br />We raised €34.5M for the family office, that is 100% LTV, while they kept the management of the business and therefore the operating profits, by transferring their hotel’s ownership to the REIT, who then leased back the property to them for 20 years with a repurchase option at the end of the lease term.<br /><br />Financial North offers you and your customers a myriad of financial solutions, offering the best solutions for making your deals happen.<br /><br />Please contact us if you would like to discuss a deal that requires finance.</span></span></span></h4>
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Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com2tag:blogger.com,1999:blog-3388012022177822291.post-54507891159325707442018-01-23T16:18:00.000+00:002018-01-23T17:19:17.848+00:00BOOSTING PROPERTY SALES: CASE STUDY 1<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicRMOM_1oJPLucGTQo7L3-451vxYRYEmFyE_z3lL6RDLlGXZ8rgwCewI8pd_GT657E0hQlMvQU365-geYPhKWs_lq0PEJzCDIApqIbxeFbS6K0UjPIEoBKX-ct2ziBpNSiVy3vl5WYntbU/s1600/blog.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="320" data-original-width="500" height="255" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicRMOM_1oJPLucGTQo7L3-451vxYRYEmFyE_z3lL6RDLlGXZ8rgwCewI8pd_GT657E0hQlMvQU365-geYPhKWs_lq0PEJzCDIApqIbxeFbS6K0UjPIEoBKX-ct2ziBpNSiVy3vl5WYntbU/s400/blog.jpg" width="400" /></a></div>
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<strong><span style="color: #003366; font-family: "helvetica" , sans-serif;">Case study: Italian cash buyers use
international finance offered by Financial North to increase their purchase
power & to optimise their Spanish Wealth Tax</span></strong><span style="line-height: 125%;"> </span><o:p></o:p></h4>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-weight: normal;"><span style="color: #444444; font-size: small;">The €2.8M finance facility allowed these buyers to
increase their budget from €2.5M to a €4M which resulted in a villa purchase in
Es Cubells, Ibiza.</span></span></h2>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The mortgage also keeps their net assets in Spain down to a minimum in order to
optimise their Spanish Wealth Tax, that would kick in would be reached fairly
soon without careful planning. The estim</span><span style="font-family: "helvetica" , sans-serif;">ated tax savings would be €36,546 per
year for the next 5 years.<br />
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Additionally, they were planning other investments in their own business in the
near future and by leveraging their property acquisition in Ibiza, they did not
have to take more expensive finance back in their home country. The clients
opted for a variable interest route at Euribor + 1.25% for 20 years.<br />
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With Spanish mortgage rates so low and for the optimisation of the Spanish
Wealth Tax, even those with enough cash to be able to buy outright are using
finance to purchase their properties.<br />
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By offering finance, it resulted in a much higher sale for the estate agent but
also on tax and finance efficient solution for the satisfied customers.</span><span style="font-family: "helvetica" , sans-serif;"><br />
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Please do not hesitate to contact us if you have a case you would like to
discuss or introduce.</span></span>Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-46480043909929890902016-12-15T13:55:00.004+00:002016-12-15T14:26:08.074+00:00NATWEST MORTGAGES IN SPAIN<span style="font-family: "verdana" , sans-serif; font-size: medium;"><span style="font-family: "verdana" , sans-serif;">If you have a Spanish mortgage with NatWest in Spain, you may be one of the thousands of their customers that have received a letter informing you that their mortgage facility will not be extended with you and inviting you to settle your mortgage balance with them.</span><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;"><br /></span></span><br />
<span style="font-family: "verdana" , sans-serif; font-size: medium;"><span style="font-family: "verdana" , sans-serif;">As overseas mortgage brokers we have already assisted NatWest customers finding them alternative and competitive mortgage solutions for their Spanish property.</span><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;"><br /></span></span><br />
<span style="font-family: "verdana" , sans-serif; font-size: medium;"><span style="font-family: "verdana" , sans-serif;">If you would like to receive a free initial information on to refinance your current mortgage with a Spanish lender, please call us on + 44 (0)20 3287 2800 or send us an email to enquiries@financialnorth.com</span><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;"><br /></span></span><br />
<span style="font-family: "verdana" , sans-serif; font-size: medium;"><span style="font-family: "verdana" , sans-serif;">Kind regards,</span><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></span><br />
<span style="font-family: "verdana" , sans-serif; font-size: medium;"><b>Alberto Goldar</b></span><br />
<span style="font-family: "verdana" , sans-serif; font-size: medium;">Managing Director</span>Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-70167566988265347792016-03-03T10:35:00.000+00:002016-03-03T10:36:39.778+00:00CURRENT MORTGAGE RATES AND CONDITIONS FOR INTERNATIONAL OVERSEAS BUYERS<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;"><br /></span></span>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdADrerggH4gEvOLPJLDYfuuYNRTZMxu81TEXzVbobv7EHlv_q0_sWS43gAa2KDb4v1Z1iS13blWS1OmhZ5U4nnIw6zqiMcTzAtBTYnqzKlm-iI4ORDSIURervCjLOXOA_ebej9vyn5r8N/s1600/4d2324af-8a76-4da9-8bc5-624d67b68d80.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="140" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdADrerggH4gEvOLPJLDYfuuYNRTZMxu81TEXzVbobv7EHlv_q0_sWS43gAa2KDb4v1Z1iS13blWS1OmhZ5U4nnIw6zqiMcTzAtBTYnqzKlm-iI4ORDSIURervCjLOXOA_ebej9vyn5r8N/s400/4d2324af-8a76-4da9-8bc5-624d67b68d80.jpg" width="400" /></a></div>
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<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">The conditions for buying property in Overseas remain very attractive to clients, with continued low interest rates and in many cases favourable exchange rates.</span></span><br />
<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">We offer a wide range of mortgage solutions for non-resident and resident investors with flexible, competitive terms, pricing and repayment options.</span></span><br />
<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">Overall, the average spread above the Euribor has reduced from 3% to 1.35% in the last 3 or 4 years.</span></span><br />
<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">A 5 year fixed interest rate starts at 1.75% in some countries, depending on the personal financial circumstances of the mortgage applicant. The <strong>opportunity to lock in rates at such low levels for such long periods remains extremely attractive for foreign investors</strong>.</span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4wmRpsDwS3tspEJ9yelwqN01ULgitrnzJz8bSg39M0U3KRuP9BgzGQ_FTY6jotx4wZgf9GIS93aPve6IYhLlC-FcITKt7OIp3E_vz1bwfkiwCrFn6lXUzp9d-GtPaQyEQdRv4YDY64AJa/s1600/grafico+newletter+March+2016.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="253" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4wmRpsDwS3tspEJ9yelwqN01ULgitrnzJz8bSg39M0U3KRuP9BgzGQ_FTY6jotx4wZgf9GIS93aPve6IYhLlC-FcITKt7OIp3E_vz1bwfkiwCrFn6lXUzp9d-GtPaQyEQdRv4YDY64AJa/s400/grafico+newletter+March+2016.jpg" width="400" /></a></div>
<span style="font-size: 13px;"> </span><span style="font-size: 11px;">Source: ECB</span><br />
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<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">Most of our customers could pay the purchase of their property overseas with cash, but due to these low interest rates, the majority of them prefer to leverage their investment, as they can obtain higher returns for their capital in other investments.</span></span><br />
<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">Lenders have increased their lending appetite over the last 2 years, but they do require that all mortgage applications be fully and properly documented.</span></span><br />
<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">At Financial North, we aim to reduce the paperwork whenever possible and to mitigate the language burden, so you can enjoy peace of mind with a clear and transparent finance application process.</span></span><br />
<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">For some customers the best option to obtain a competitive mortgage is to establish a private banking relationship in the course of the purchase of a high value property overseas.</span></span><br />
<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">The essentials of a private banking relationship are that the client deposit a significant amount of financial assets to the bank such as cash, bond or equities portfolio. The private banker will then agree a strategy to manage this portfolio to generate a return to match the customer’s appetite for risk.</span></span><br />
<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">Please do not hesitate to contact us at <a data-cke-saved-href="mailto:enquiries@financialnorth.com" href="mailto:enquiries@financialnorth.com">enquiries@financialnorth.com</a> if you would like to discuss your best finance options with us.</span></span><br />
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<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;">Kind regards,</span></span><br />
<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;"><br /></span></span>
<span style="font-size: 14px;"><span style="font-family: "verdana" , sans-serif;"><strong>Alberto Goldar</strong><br />Managing Director</span></span>Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-77712233508253857392016-02-10T13:03:00.000+00:002016-02-10T13:18:57.843+00:00FINANCIAL NORTH – Q1 2016 Newsletter<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7Rb02TRMxSS19Wsh4owQ840SiouS0-z480rugnTUxR94Jtbf5zXQUXk8wcLIWo5enH3X0MTySjYr0NIDFGcE3yJrloKIvs-hzWvx7HxHxSpkXvBDuFE2D7ly8W2vBLVLw__MH3n7tU1N5/s1600/approved+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="250" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7Rb02TRMxSS19Wsh4owQ840SiouS0-z480rugnTUxR94Jtbf5zXQUXk8wcLIWo5enH3X0MTySjYr0NIDFGcE3yJrloKIvs-hzWvx7HxHxSpkXvBDuFE2D7ly8W2vBLVLw__MH3n7tU1N5/s400/approved+2.jpg" width="400" /></a></div>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif;">The conditions for buying property internationally remain very attractive to clients with continued low prices and in many cases favourable exchange rates.</span></span></div>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif; line-height: 18.48px;">The Euribor has never been lower, 12 Months Euribor base rate is 0.042% and banks have reduced their interest rate margins to the extent where rates are now lower than a year ago </span></span></div>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif;">A 15 years fixed interest rate starts at 2.5% in some countries, depending on the personal financial circumstances of the mortgage applicant. The opportunity to lock in rates at such low levels for such long periods remains extremely attractive for foreign investors.</span></span></div>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif;">Variable margins on international repayment mortgages are still in the region of Euribor + 1.5% to 2,5%.</span></span></div>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif;">As a brief summary of the mortgages available in those countries with higher demand:</span></span></div>
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<table border="1" bordercolor="#00000a" cellpadding="7" cellspacing="0" style="background-color: white; color: #515151; font-family: 'Trebuchet MS', Trebuchet, Verdana, sans-serif; font-size: 13px; line-height: 18.48px; width: 601px;"><colgroup><col width="67"></col><col width="87"></col><col width="150"></col><col width="239"></col></colgroup><tbody>
<tr valign="TOP"><td height="3" width="67"><span style="font-size: 14px;"><strong>COUNTRY</strong></span></td><td width="87"><span style="font-size: 14px;"><strong>MAXIMUM % LTV</strong></span></td><td width="150"><span style="font-size: 14px;"><strong>MIN. FUNDS AVAILABLE FOR PURCHASE *</strong></span></td><td width="239"><span style="font-size: 14px;"><strong>COMMENTS</strong></span></td></tr>
<tr valign="TOP"><td height="4" width="67"><span style="font-size: 14px;"><strong>SPAIN</strong></span></td><td width="87"><div align="CENTER">
<span style="font-size: 14px;">70%</span></div>
</td><td width="150"><div align="CENTER">
<span style="font-size: 14px;">44 % * of purchase price</span></div>
</td><td width="239"><span style="font-size: 14px;">Min. mortgage €150,000. Mortgage transfer to another lender allowed. No equity release or buy to let.</span></td></tr>
<tr valign="TOP"><td height="4" width="67"><span style="font-size: 14px;"><strong>PORTUGAL</strong></span></td><td width="87"><div align="CENTER">
<span style="font-size: 14px;">80%</span></div>
</td><td width="150"><div align="CENTER">
<span style="font-size: 14px;">32 % * of purchase price</span></div>
</td><td width="239"><span style="font-size: 14px;">Minimum mortgage €200,000. Mortgage transfer or buy to let allowed. No equity release.</span></td></tr>
<tr valign="TOP"><td height="4" width="67"><span style="font-size: 14px;"><strong>USA</strong></span></td><td width="87"><div align="CENTER">
<span style="font-size: 14px;">70%</span></div>
</td><td width="150"><div align="CENTER">
<span style="font-size: 14px;">40% * of purchase price</span></div>
</td><td width="239"><div style="margin-bottom: 0cm;">
<span style="font-size: 14px;">Minimum mortgage €300,000</span></div>
<span style="font-size: 14px;">Different mortgage products available per state.</span></td></tr>
<tr valign="TOP"><td height="4" width="67"><span style="font-size: 14px;"><strong>FRANCE</strong></span></td><td width="87"><div align="CENTER">
<span style="font-size: 14px;">85%</span></div>
</td><td width="150"><div align="CENTER">
<span style="font-size: 14px;">25 % * of purchase price</span></div>
</td><td width="239"><span style="font-size: 14px;">Minimum mortgage €250,000. Mortgage transfer, buy to let and equity release allowed.</span></td></tr>
<tr valign="TOP"><td height="3" width="67"><span style="font-size: 14px;"><strong>ITALY</strong></span></td><td width="87"><div align="CENTER">
<span style="font-size: 14px;">80%</span></div>
</td><td width="150"><div align="CENTER">
<span style="font-size: 14px;">35 % * of purchase price</span></div>
</td><td width="239"><span style="font-size: 14px;">Minimum mortgage €300,000. No mortgage transfer, equity release or buy to let available.</span></td></tr>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif;">*These are estimates as it depends of several factors; local taxes, customer’s financial profile, etc.</span></span></div>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif;">For customers with their main property in the UK and sufficient positive equity, we can assist them refinancing mortgage to release equity up to 80% LTV, in order to have sufficient funds for the purchase of their properties overseas*</span></span></div>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif;">For the next months, we expect international mortgage rates should stay more or less as they are, with excellent products on offer to most non-residents.</span></span></div>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif;">2015 has been described in some corners as the year of the strong sterling, as the British currency zipped up against the euro from a rate of 1.28 on the 1st January, hitting a rate of 1.44 in July and close to this again in November.</span></span></div>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif;">2016 so far, on the other hand, has already shown an enormous switch in the £/€ exchange rate and being more stable for the USD/€. Sterling had begun weakening in December 2015, as a result of positive sentiment surrounding the European Central Bank (ECB), but experts could not predict the speed at which the British currency would then devalue in January.</span></span></div>
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<span style="font-size: 14px;"><span style="font-family: "arial" , serif;">Please do not hesitate to contact Financial North if you require further information on how we can assist you on your property purchase overseas </span><span style="font-family: "arial" , "helvetica neue" , "helvetica" , sans-serif; line-height: 18.48px;">at </span><a data-cke-saved-href="mailto:enquiries@financialnorth.com" href="mailto:enquiries@financialnorth.com" style="font-family: arial, 'helvetica neue', helvetica, sans-serif; line-height: 18.48px;"><em>enquiries@financialnorth.com</em></a><span style="font-family: "arial" , "helvetica neue" , "helvetica" , sans-serif; line-height: 18.48px;"> or give us a call at + 44 (0)20 3287 2800.</span></span></div>
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<span style="font-size: 14px;"><br /><span style="font-family: "arial" , "helvetica neue" , "helvetica" , sans-serif; line-height: 18.48px;">Kind regards,</span></span></div>
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<br />
<span style="font-size: 14px;"><span style="font-family: "arial" , "helvetica neue" , "helvetica" , sans-serif;"><strong>Alberto Goldar</strong><br />Managing Director</span></span></div>
Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-43010470252194005052015-10-29T13:44:00.000+00:002015-11-04T09:53:26.730+00:00HOW TO AVOID THE EXPECTED BAD NEWS THAT WILL AFFECT YOUR POCKET?<div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqqw2Qfbjyw_A7HhPAeDL2_GT_LM3n70U0sfmhNA7xdSM7UP37YEsG71FAqfleYrydkscDcrE5knrwKHnjNNiH2eAw28LtmU_0UPReZZ6WMhywX-MZIr6_V2C2kLocHzU_dp8kbJPKIzh2/s1600/4de4b52c-3811-4abe-a889-8b959c57fdf9+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="163" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqqw2Qfbjyw_A7HhPAeDL2_GT_LM3n70U0sfmhNA7xdSM7UP37YEsG71FAqfleYrydkscDcrE5knrwKHnjNNiH2eAw28LtmU_0UPReZZ6WMhywX-MZIr6_V2C2kLocHzU_dp8kbJPKIzh2/s400/4de4b52c-3811-4abe-a889-8b959c57fdf9+2.jpg" width="400" /></a></div>
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The Euribor, the European equivalent for Libor, is at its historical minimum rate and it is likely to go higher in the near future. In this event, it would have a direct impact on your mortgage payments and on your economy.<br /><br />Either if you currently have an Spanish mortgage with variable interest rate or you or one of your customers is going to apply for a new one, we can offer the following <strong>limited promotion for residents up to 80% LTV and non-residents up to 75% LTV:</strong><br /></div>
<ul style="font-family: 'Trebuchet MS', Trebuchet, Verdana, sans-serif; line-height: 18.48px;">
<li>Fixed interest rate at 2,5% for a maximum period of 15 years</li>
<li>Fixed interest rate at 2,75% for a maximum period of 20 years</li>
<li>Fixed interest rate at 3% for a maximum period of 25 years.</li>
</ul>
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<br />The maximum mortgage term is conditioned on the age of the main applicant, as it must be paid off before he/she reaches 75 years of age. This offer is subject to final approval of the lender’s credit department.<br /><br />Please do not hesitate to contact us at <a data-cke-saved-href="mailto:enquiries@financialnorth.com" href="mailto:enquiries@financialnorth.com">enquiries@financialnorth.com</a> or at 020 3287 2800 if you would like further information on how you can lock your mortgage payments in the future.<br /><br />Kind regards,<br /><br /><strong>Alberto Goldar</strong><br />Managing Director</div>
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Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-15471784508420715262015-06-24T16:21:00.000+01:002015-06-24T16:21:14.459+01:00FUNDING SOURCES UP TO 100% LTV FOR HNW CLIENTS WITH PREMIUM PROPETIES IN SPAIN AND FRANCE<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyg39pGcPtpKhrKEEDU0MLipjkAu-YrgFnydi7jKUu0F9l8UQ_BuShz12p03675E4ndCAl8d0ExYKGyedpYYMLs8SS0-EhUQHdJ9GwRy7CqfsiqHYhPsQkuUYADop4YZgOz22iV12XdzZi/s1600/Fotolia_65729852_M.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyg39pGcPtpKhrKEEDU0MLipjkAu-YrgFnydi7jKUu0F9l8UQ_BuShz12p03675E4ndCAl8d0ExYKGyedpYYMLs8SS0-EhUQHdJ9GwRy7CqfsiqHYhPsQkuUYADop4YZgOz22iV12XdzZi/s400/Fotolia_65729852_M.jpg" width="400" /></a></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif;">These are available on properties in Spain and France:<br /><br />• Minimum loan -
€ 1 million<br /><br />• Minimum property value - € 1 million<br /><br />• Maximum Loan
to Value - 100% LTV – 50% LTV would be guaranteed by the property (mortgage) the
additional 50% would be guaranteed by borrower’s financial assets deposited with
and pledged with the lender (charge taken).<br /><br />• Minimum Assets Under
Management with the chosen lender: € 1,000,000 (pledged & cannot be
withdrawn until the 60% of the loan is paid off)<br /><br />• Interest rates from
1.5% margin over 12 month EURIBOR<br /><br />• Interest only period: Up to 10
years<br /><br />• Maximum 30 year term on an Interest and capital repayment basis.
No age limit or restrictions.<br /><br />• Property may be owned by an SPV based in
the UK, France or Spain, but the beneficial owner must be the one establishing
the banking relationship.<br /><br />• Appraisal estimated cost 0.15%<br /><br />•
Early redemption fee from 0,25 %<br /><br />Above all the client must demonstrate
that they have a private banking profile and be willing to develop their
relationship with the bank.<br /><br />We also provide <strong>mortgages from
100,000€.</strong> Please give us a call at <strong><u>+44 (0)20 3287
2800</u></strong> for further information, or you can send us a brief
explanation of your finance requirements to <strong><a href="mailto:enquiries@financialnorth.com" style="color: #606060; font-weight: normal; word-wrap: break-word;" target="_blank"><span style="color: black;">enquiries@financialnorth.com</span></a></strong><br /><br />Wishing
you a very successful summer time!<br /><br /><br />Kind
regards,<br /><br /><br /><strong>Alberto Goldar</strong><br />Managing Director</span>Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com1tag:blogger.com,1999:blog-3388012022177822291.post-30599858889444676092015-04-08T12:32:00.001+01:002015-04-16T20:24:44.840+01:00MORTGAGES FOR NON-RESIDENTS UP TO 70% LTV<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIM02CNj6zDwTpkWKf9_Y-9gV6d7gkzPbE9qvtN5XksjN7kPStPaLl0sBN8Mo2a19aLTrSErHbMwwPcUTIaOmRNbWN7rYFXre1JP8eeRMun3vHh4WRmxkZvP_OMwq0tHkaOiX8ndVL3LVW/s1600/MGS210096.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIM02CNj6zDwTpkWKf9_Y-9gV6d7gkzPbE9qvtN5XksjN7kPStPaLl0sBN8Mo2a19aLTrSErHbMwwPcUTIaOmRNbWN7rYFXre1JP8eeRMun3vHh4WRmxkZvP_OMwq0tHkaOiX8ndVL3LVW/s1600/MGS210096.jpg" height="208" width="320" /></a></div>
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<span style="font-size: 13px;">We have included in our mortgages panel a new lender that offers a highly competitive mortgage terms to acquire properties in Spain.</span></div>
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<span style="font-size: 13px;">The conditions are:</span></div>
<ul style="background-color: white; color: #515151; font-family: 'Trebuchet MS', Trebuchet, Verdana, sans-serif; font-size: 11px; line-height: 18.4799995422363px;">
<li><div style="color: #606060; font-family: Helvetica; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;">Interest rate: Euribor + 1.60%</span></div>
</li>
<li><div style="color: #606060; font-family: Helvetica; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;">No arrangement fee</span></div>
</li>
<li><div style="color: #606060; font-family: Helvetica; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;">No mortgage floor</span></div>
</li>
<li><div style="color: #606060; font-family: Helvetica; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;">Up to 70% of the valuation</span></div>
</li>
<li><div style="color: #606060; font-family: Helvetica; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;">Term up to 25 years</span></div>
</li>
</ul>
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<span style="font-size: 13px;">In order to qualify for the best interest rate the lender requires:</span></div>
<ul style="background-color: white; color: #515151; font-family: 'Trebuchet MS', Trebuchet, Verdana, sans-serif; font-size: 11px; line-height: 18.4799995422363px;">
<li><div style="color: #606060; font-family: Helvetica; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;">Your need to have a net income after taxes above 2,000 €</span></div>
</li>
<li><div style="color: #606060; font-family: Helvetica; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;">Life and home insurance with the lender</span></div>
</li>
<li><div style="color: #606060; font-family: Helvetica; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;">Use of credit card with the lender more than 12 times a year.</span></div>
</li>
<li><div style="color: #606060; font-family: Helvetica; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;">Pension plan with annual contribution over 600€</span></div>
</li>
<li><div style="color: #606060; font-family: Helvetica; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;">Salary paid into your lenders bank account.</span></div>
</li>
</ul>
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<br />
<span style="font-size: 13px;">If you do not meet all this criteria, the interest rate can go up to Euribor + 2.20%</span></div>
<div style="background-color: white; color: #606060; font-family: Helvetica; font-size: 11px; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif; line-height: 18.4799995422363px;">Please do not hesitate to call us at </span><span style="color: black; font-family: arial, 'helvetica neue', helvetica, sans-serif; line-height: 18.4799995422363px;"><span style="box-sizing: border-box; color: #515151; font-family: arial, helvetica, sans-serif; font-weight: 700; line-height: 18.4799995422363px;"><u style="box-sizing: border-box;">+44 (0)20 3287 2800</u></span></span><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif; line-height: 18.4799995422363px;"> for further information, or you can send us a brief explanation of your finance requirements to </span><strong style="font-family: arial, helvetica, sans-serif; line-height: 18.4799995422363px;"><span style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: initial; background-origin: initial; background-position: 0px 0px; background-repeat: initial; background-size: initial; box-sizing: border-box;"><a href="mailto:enquiries@financialnorth.com" style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: initial; background-origin: initial; background-position: 0px 0px; background-repeat: initial; background-size: initial; box-sizing: border-box; color: #7e7e7e; font-weight: normal; text-decoration: none; word-wrap: break-word;" target="_blank"><span style="color: black;">enquiries@financialnorth.com</span></a></span></strong></span></div>
<br />Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-6119295580378309702015-03-19T12:24:00.000+00:002015-04-08T12:28:43.121+01:00EVEN BETTER FINANCE CONDITIONS<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTjD9JtR1hJnkPEzOIpjKzwQIvpuyDSMctdCkqVGgk66D-agtndGtscRjuX8RpjEffIg-tieuZw5MH-HaMCWmMC_tJwOmyb5A15hMzAZMeZibbggWyLXfv4yAf_iDu36-wsktCqjAlBApC/s1600/House-on-hand-3+jpg.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTjD9JtR1hJnkPEzOIpjKzwQIvpuyDSMctdCkqVGgk66D-agtndGtscRjuX8RpjEffIg-tieuZw5MH-HaMCWmMC_tJwOmyb5A15hMzAZMeZibbggWyLXfv4yAf_iDu36-wsktCqjAlBApC/s1600/House-on-hand-3+jpg.jpg" height="228" width="320" /></a></div>
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<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;"><br /></span></span></div>
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<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;"><br /></span></span></div>
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<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;">Either for investment or for your own leisure, it is probably the best time, for many years, to invest in a property in Spain.</span></span></div>
<div style="background-color: white; color: #606060; font-family: Helvetica; font-size: 11px; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;">Property prices are still lower than 2007 and currency exchange rates are favourable for many international customers.</span></span></div>
<div style="background-color: white; color: #606060; font-family: Helvetica; font-size: 11px; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;">Additionally, Spanish lenders are becoming more flexible when approving mortgages to non-resident buyers and are starting to face competition from international lenders active in the Spanish premium market.</span></span></div>
<div style="background-color: white; color: #606060; font-family: Helvetica; font-size: 11px; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;">A 20 year fixed interest rate mortgage, starts at 2.9% for residents in the Country and from 3.9% for non-residents.</span></span></div>
<div style="background-color: white; color: #606060; font-family: Helvetica; font-size: 11px; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;">Variable interest rates for non-residents can start as low as 2.5% for the first year and then from Euribor + 1.75 % for the rest of duration of the mortgage, being the Euribor at its historical lows. </span><br />Variable interest rates for residents in Spain start as low as 2% for the first year and years after from Euribor + 1%.</span></div>
<div style="background-color: white; color: #606060; font-family: Helvetica; font-size: 11px; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;">LTVs can go up to 100% when listed financial assets are deposited and pledged with the lender, during the duration of the mortgage. For this product, an interest only mortgage is available for up to 10 years.</span></span></div>
<div style="background-color: white; color: #606060; font-family: Helvetica; font-size: 11px; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;">Otherwise, they can go up to 70% LTV for non-residents using just the collateral of the property they are acquiring.</span></span></div>
<div style="background-color: white; color: #606060; font-family: Helvetica; font-size: 11px; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;">Your interest are ours, as international mortgage brokers we endeavour to provide a high level of service and to complete the property transaction in an efficient way, liaising directly with your sales team if required so, supporting them all the way. </span></span><br />
</div>
<div style="background-color: white; color: #606060; font-family: Helvetica; font-size: 11px; line-height: 13.75px; margin-bottom: 1em; margin-top: 1em; padding: 0px;">
<span style="font-size: 13px;"><span style="font-family: arial, 'helvetica neue', helvetica, sans-serif;"><span style="line-height: 18.4799995422363px;">Please do not hesitate to call us at </span><span style="color: black;"><span style="box-sizing: border-box; color: #515151; font-family: arial, helvetica, sans-serif; font-weight: 700; line-height: 18.4799995422363px;"><u style="box-sizing: border-box;">+44 (0)20 3287 2800</u></span></span><span style="line-height: 18.4799995422363px;"> for further information, or you can send us a brief explanation of your finance requirements to </span><strong style="color: #515151; font-family: arial, helvetica, sans-serif; line-height: 18.4799995422363px;"><span style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: initial; background-origin: initial; background-position: 0px 0px; background-repeat: initial; background-size: initial; box-sizing: border-box;"><a href="mailto:enquiries@financialnorth.com" style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: initial; background-origin: initial; background-position: 0px 0px; background-repeat: initial; background-size: initial; box-sizing: border-box; color: #7e7e7e; font-weight: normal; text-decoration: none; word-wrap: break-word;" target="_blank"><span style="color: black;">enquiries@financialnorth.com</span></a></span></strong></span></span></div>
Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-27078391243532533632014-10-18T20:20:00.000+01:002014-10-21T14:25:43.123+01:00CRE FINANCE<div style="background-color: white; box-sizing: border-box; margin: 10px 20px;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAlVkp6Dwzu3m2goge-hwtDzErpjva4sG4BfUkgI4TsAdfAqb7xDbko29MX0m1f9kNoPFtHZVCuw-Jm1uEmXFOI-Fe7emV9lu7lNfK6cTageohrVU4ClzspE_jViQVFzD7rBrx58VdebzE/s1600/Corporate.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAlVkp6Dwzu3m2goge-hwtDzErpjva4sG4BfUkgI4TsAdfAqb7xDbko29MX0m1f9kNoPFtHZVCuw-Jm1uEmXFOI-Fe7emV9lu7lNfK6cTageohrVU4ClzspE_jViQVFzD7rBrx58VdebzE/s1600/Corporate.jpg" height="132" width="400" /></a></div>
<span style="color: #444444; font-family: Arial, Helvetica, sans-serif;"><br /></span>
<span style="color: #444444; font-family: Arial, Helvetica, sans-serif;"><br /></span>
<span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Financial North arranges and executes financing for transactions in the commercial real estate sector in UK, Germany, France and Spain.</span></div>
<div style="background-color: white; box-sizing: border-box; margin: 10px 20px;">
<span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">We focus on providing a full set of value added transactional support services to our clients and our aim is to obtain maximum results from financing institutions.</span></div>
<div style="background-color: white; box-sizing: border-box; margin: 10px 20px;">
<span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">We are specialists in financing highly complex transactions, ensuring that transactions close despite intensely complicated processes.</span></div>
<div style="background-color: white; box-sizing: border-box; margin: 10px 20px;">
<span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">We work across all assets classes including offices, logistics, hotels and leisure, residential (for rent), office, mixed use out of the mentioned assets.</span></div>
<div style="background-color: white; box-sizing: border-box; margin: 10px 20px;">
<span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Our aim is build long-term relationships with our clients, which enable us to understand their wider strategic goals and structure optimal financing solutions.</span></div>
<div style="background-color: white; box-sizing: border-box; margin: 10px 20px;">
<span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Your loan application follows the following process:</span></div>
<ul style="background-color: white; box-sizing: border-box; line-height: 20px; margin: 0px 20px 0px 60px;">
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Underwriting.</span></li>
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Sourcing and Negotiation of Lender’s Financing.</span></li>
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Oversight of lender's Due Diligence Process.</span></li>
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Tax and Structuring optimization.</span></li>
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Closing.</span></li>
</ul>
<div style="background-color: white; box-sizing: border-box; margin: 10px 20px;">
<span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">We provide:</span></div>
<ul style="background-color: white; box-sizing: border-box; line-height: 20px; margin: 0px 20px 0px 60px;">
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Professional and personalized support.</span></li>
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Comprehensive market and industry knowledge.</span></li>
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Local expertise and experience. </span></li>
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Tailored financing and term structures.</span></li>
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Reliability and constant loan process updates.</span></li>
<li style="box-sizing: border-box;"><span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Constructive collaboration on an equal standing basis.</span></li>
</ul>
<div style="background-color: white; box-sizing: border-box; margin: 10px 20px;">
<span style="color: #444444; font-family: Arial, Helvetica, sans-serif;">Please do not hesitate to call us at <span style="box-sizing: border-box; font-weight: 700;"><u style="box-sizing: border-box;">+44 (0)20 3287 2800</u></span> for further information, or you can send us a brief explanation of your finance requirements to <a href="mailto:enquiries@financialnorth.com" style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: initial; background-origin: initial; background-position: 0px 0px; background-repeat: initial; background-size: initial; box-sizing: border-box; text-decoration: none;">enquiries@financialnorth.com</a></span></div>
Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-60451469972727941482014-09-24T13:28:00.004+01:002015-04-16T20:20:19.141+01:00REFINANCE FUNDING SOURCES FOR HNW CLIENTS WITH PREMIUM PROPETIES IN SPAIN AND FRANCE<div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZ6Yp3uCb4NZDqCaGefabti-W4H1XklsHt8eZt1TalMNojUA0K4aC_XRTZatb22JHRGUH8x8xyDc3XKFnrsvO7V6w9ViRHvdbS9mJ0Det63eJ33B7uEvDu31hrzo_vDrE-02q3Y-Rl46As/s1600/foto+sillas.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZ6Yp3uCb4NZDqCaGefabti-W4H1XklsHt8eZt1TalMNojUA0K4aC_XRTZatb22JHRGUH8x8xyDc3XKFnrsvO7V6w9ViRHvdbS9mJ0Det63eJ33B7uEvDu31hrzo_vDrE-02q3Y-Rl46As/s1600/foto+sillas.jpg" height="141" width="400" /></a></div>
<span style="font-family: Arial, Helvetica, sans-serif;"></span><br />
<br /></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<span style="font-family: Arial, Helvetica, sans-serif;">These are available on properties in Spain and France:</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Minimum loan - € 1 million</span></div>
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Minimum property value - € 1 million</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Maximum Loan to Value - 100% LTV – 50% LTV would be guaranteed by the
property (mortgage) the additional 50% would be guaranteed by borrower’s financial
assets deposited with and pledged with the lender (charge taken).</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Minimum Assets Under Management with the chosen lender: € 1,000,000
(pledged & cannot be withdrawn until the 60% of the loan is paid off)</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Interest rates from 2% margin over 12 month EURIBOR</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Interest only period: Up to 10 years</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Maximum 30 year term on an Interest and capital repayment basis. No age
limit or restrictions.</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Property may be owned by an SPV based in the UK, France or Spain, but the
beneficial owner must be the one establishing the banking relationship.</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Lender’s Arrangement Fee - 1%</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Appraisal estimated cost 0.15%</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
<span style="font-family: Arial, Helvetica, sans-serif;">• Early redemption fee from 0,25 %</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">
</span>
<br />
<div>
</div>
<div>
<span style="font-family: Arial, Helvetica, sans-serif;"><b>Above all the client must demonstrate that they have a private banking
profile and be willing to develop their relationship with the bank.</b></span></div>
Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-20750383354869958172014-08-30T14:13:00.001+01:002014-08-30T16:27:28.670+01:00TIME TO SELL YOUR LONDON FLAT AND BUY YOUR VILLA OVERSEAS?<div class="MsoNormal">
</div>
<div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXLUHPcyy07BxHI0dqnUDyeZOR8WxEqkxzozTOm5VnTkasyvS2Frr4H0ADOOdBj4bZf01qIpDXpik9c-vyQ4tEQ5dBAN8jxXI8jkSBAiUg8U0xh2vgI0thonzy8TG3n-FdlzXQa44XfHws/s1600/Fotolia_60526890_M.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXLUHPcyy07BxHI0dqnUDyeZOR8WxEqkxzozTOm5VnTkasyvS2Frr4H0ADOOdBj4bZf01qIpDXpik9c-vyQ4tEQ5dBAN8jxXI8jkSBAiUg8U0xh2vgI0thonzy8TG3n-FdlzXQa44XfHws/s1600/Fotolia_60526890_M.jpg" height="213" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif;">As many things in life,
the right timing could make a significant difference on the outcome and this
could not be truer when you are considering investing in real estate.</span></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif;"><br />In my opinion, a recent
article in “The Independent” is another one of the many signs that indicates
that the property market in London is overheated and the bubble is just getting
bigger: <span style="color: #1f497d;"><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif;"><br />“A one bedroom basement
flat in South Kensington has been put up for sale for nearly £600,000, despite
being described as “uninhabitable” and only having 30 years left on its lease.”
<span style="color: #1f497d;"><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif;"><br />ONS House Price Index
informs that the average house prices in London rose by 19.3% in the year to
June 2014, down from May rate of 20.1% but still an extremely strong growth
rate. <span style="color: #1f497d;"><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif;"><br />Everyone knows that those
increases in price are unsustainable in the end, therefore it is probably the
optimum time to sell your property in London and buy your Villa Overseas where
you can still find significant reductions in most of Southern Europe holiday
destinations.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif;">Nevertheless things are slowly starting to change as most
potential buyers feel that this market has touched bottom and if we add the fact
that the buying sentiment of mid age professionals in London looking for a place
to spend their holidays and with the chance of renting it out while not using
the property, it is a good opportunity to have your own house overseas and maybe
one day a place to retire in the cold winter months. <span style="color: #1f497d;"><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif;"><br />If this could be a plan
you may consider and you would like to find out how Financial North <b style="background-color: white; color: #252525; font-size: 14px; line-height: 22.399999618530273px;">®</b> may assist
you to obtain finance to invest on a property Overseas, please contact us at
<span style="color: #1f497d;"><a href="mailto:enquiries@financialnorth.com">enquiries@financialnorth.com</a></span></span></div>
</div>
Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-15818861173434029182014-08-20T12:48:00.000+01:002014-08-20T12:49:11.985+01:00INTERNATIONAL MORTGAGE BROKERS - UP TO 100% LTV FINANCE<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8OPjAtiaSwptTdEWHzbKVegQ_N8d7S8FCh_sY0vgO79eJrgilgXAXY1LDFhvHgusQGm_NuzZ0GXJPG-DvbswlEzmxGgBpnZIT3_mWjkoCk2LPx5OL6sp675lUAA4gQP2JfU-RVZH5ayO9/s1600/Fotolia_52855212_M.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8OPjAtiaSwptTdEWHzbKVegQ_N8d7S8FCh_sY0vgO79eJrgilgXAXY1LDFhvHgusQGm_NuzZ0GXJPG-DvbswlEzmxGgBpnZIT3_mWjkoCk2LPx5OL6sp675lUAA4gQP2JfU-RVZH5ayO9/s1600/Fotolia_52855212_M.jpg" height="240" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="MsoNormal" style="text-align: left;">
<span style="font-family: Arial, Helvetica, sans-serif;">Whether you are looking for residential or
commercial international mortgages, you have come to the right place to receive
independent and personalised advice to choose the right finance based on your
circumstances.</span></div>
<div class="MsoNormal" style="text-align: left;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-GB"><span style="font-family: Arial, Helvetica, sans-serif;">We are one of the European leading
independent mortgage brokers with access to the most active lenders across
Europe and our customers range from HNWI to boutique CRE investment firms.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-GB"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-GB"><span style="font-family: Arial, Helvetica, sans-serif;">We can arrange the right finance solution
to acquire luxury residential property, hotels, shopping centres, industrial
warehouses and offices.<o:p></o:p></span></span></div>
<br />
<div class="MsoNormal">
<span lang="EN-GB"><span style="font-family: Arial, Helvetica, sans-serif;">If you would like to receive further
information on how we can help you to obtain a competitive finance deal for
your real estate investment, please do not hesitate to contact us at <a href="mailto:enquiries@financialnorth.com">enquiries@financialnorth.com</a></span><o:p></o:p></span></div>
Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0tag:blogger.com,1999:blog-3388012022177822291.post-78073327878661498152014-08-11T16:49:00.002+01:002014-10-21T14:20:59.308+01:00RESIDENTIAL FUNDING SOURCES FOR HNW CLIENT<div class="MsoNormal" style="margin-left: 36.0pt; text-indent: 36.0pt;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="text-align: justify;">Assisting clients with more than € 1 million of listed
financial assets on a case by case basis</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;">These are available on properties in </span><b style="font-family: Arial, Helvetica, sans-serif;">Spain and France</b><span style="font-family: Arial, Helvetica, sans-serif;">:</span><br />
<ul>
<li><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Minimum
loan - € 1 million.</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Minimum
property value - € 1 million.</span></li>
<li><span lang="EN-GB" style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Maximum
Loan to Value - 100% LTV – 60% LTV would be guaranteed by the property
(mortgage) the additional 40% would be guaranteed by borrower’s financial
assets deposited with </span><span lang="EN-GB" style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">and pledged by the lender
(charge taken).</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Minimum
Assets Under Management with the chosen lender: € 1,000,000 (pledged & cannot
be withdrawn until the 60% of the loan is paid off). These must be </span><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -24px;">listed financial assets; funds, shares, bonds, etc.</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Interest
rates from 2% margin over 12 month EURIBOR.</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Maximum 30 year
term on an Interest and capital repayment basis.</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Property
may be owned by an SPV based in the UK or Spain, but the beneficial owner must
be the one establishing the banking relationship.</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Lender’s
Arrangement Fee - 1%</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Brokerage
Fee - 1%</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Appraisal
estimated cost 0.15%</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif; text-indent: -18pt;">Early
redemption fee from 0,25 %</span></li>
</ul>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;">Above all the client must demonstrate that they have a
private banking profile and be willing to develop their relationship with the
bank.</span></div>
Financial Northhttp://www.blogger.com/profile/03153114695854753316noreply@blogger.com0