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Best Mortgage options

What are the best offerings available for non resident mortgage applications

Non-resident mortgage best buys for May 2017

Full budget assessment and mortgage financial approvals provided. No costs involved. May Euribor for completions is minus 0.119% down slightly on April and remaining in negative territory.

All products listed are showing rates “from” and rates may depend on loan to value, compulsory products required and have regional and client profile restrictions.

Fixed rates best buys

Loan to value 70% area restrictions apply

Up to 15 years -2.2%

Up to 20 yars - 2.5%

 

Loan to value 60%.

UP to 5 years from 1.85%

Up to 10 years  from 2.3%

Up to 15 years from 2.6%%

Up to 20 years from 2.85%

Up to 25 years from 3.15%

 

New product UK residents only

Up to 70% loan to value

Loan in Sterling or Euros

Rates from 1.5% above Euribor or Bank of England base

 

Product 1 

For clients earning in excess of  € 3.500 pm.

No restriction on nationality

  • Up to 70% loan to value
  • Interest rate fixed first 12 months 2.5%
  • Variable rate from 1.7% to 3% above 12 month Euribor after first year
  • Fixed rates from 2.5% to 3.5%
  • 0.50% early repayment full and partial first 5 years/ 0.25% subsequent years variable rates and 1.5% first 5 years and 1.25% thereafter for fixed rates.
  • Life cover, buildings insurance and Bank account contracted with Bank compulsory.

Product 2

No restriction on purchase price, income levels or nationality.

  • Up to 70% loan to value
  • Interest rate fixed first year from 2.5%
  • 2nd year variable rate from 2% to 3.65% above 12 month Euribor
  • 0.50% early repayment full and partial first 5 years/ 0.25% subsequent years
  • Buildings insurance, life cover and Bank account contracted with Bank.

Product 3

No restriction on purchase price. Scandinavian, Swiss, Dutch and Belgium clients only

  • Up to 70% loan to value
  • Interest rate fixed first year 2.5 %
  • Fixed rates from 1.9%
  • 2nd year variable rate 1.7% above 12 month Euribor with Life 2.2% without life cover
  • 0.50% early repayment full and partial first 5 years/ 0.25% subsequent years variable rates and 1.25% first 5 years and 1% thereafter for fixed rates
  • Buildings insurance, Bank account and life cover for lower rates contracted with Bank compulsory.

Product 4

No restriction on purchase price. Area and regional restrictions apply

  • Up to 70% loan to value
  • Interest rate fixed first year 2.75%
  • 2nd year variable rate from 2.10% above 12 month Euribor with life cover 2.2% without life cover.
  • Fixed rate 3.25% 20 years
  • 0.50% early repayment full and partial first 5 years/ 0.25% subsequent years. 2.5% fixed rates
  • Buildings insurance x 5 years, Bank account compulsory.

Product 5

EU workers only up to 70% Reduced rates-new fixed rates (not Alicante or Murcia or Almeria)

  • Up to 70% loan to value EU workers/ 50% all others
  • Interest rate fixed first year from 2.75 %
  • 2nd year variable rate from 2.09% above 12 month Euribor
  • Longer term fixed 25 year 3.3%, 20 year 3.25%, 15 year 3.15%, 10 year 3.15%
  • 0.50% early repayment full and partial first 5 years/ 0.25% subsequent years variable rate. 2.5% full term for fixed rates . 20% of capìtal overpayment yearly no penalty.
  • Buildings insurance , contracted with Bank.

 

Product 6

No restriction on purchase price area and regional restrictions apply

  • Up to 65% loan to value
  • Interest rate fixed 20 years from 2.8%
  • Variable rate from 1.8 % above 12 month Euribor
  • 0.50% early repayment full and partial first 5 years/ 0.25% subsequent years
  • Buildings insurance first 5 years and Bank account contracted with Bank compulsory. Other linked products may appl

 

Product 7

No restriction on purchase price or nationality

  • Up to 60% loan to value ( 70% BY EXCEPTION LARGE LOANS ONLY)
  • Interest rate fixed first year 2.5%
  • 2nd year variable rate from  1.7% without life cover or 2.6% with life cover above 12 month Euribor
  • New Fixed rates from 1.8% to 2.85%
  • 0.50% early repayment full and partial first 5 years/ 0.25% subsequent years. Up to 3%  for fixed rates.
  • Life cover, buildings insurance and Bank account contracted with Bank compulsory

Product 8

No restrictions on purchase price UK tax payers only

  • Up to 60% loan to value
  • Interest rate fixed full term from 1.9%
  • Variable rate from 1.25% above 3 month Euribor
  • 0.50% early repayment full and partial first 5 years/ 0.25% subsequent years. Up to 3% for fixed rates.
  • Life cover, buildings insurance and Bank account contracted with Bank compulsory.

Product 9

No restriction on purchase price UK residents only

  • Up to 60% loan to value
  • Interest rate from1.5% above Euribor or 1.5% above BOE base.
  • Euro and Sterling options available.
  • 0.50% early repayment full and partial first 5 years/ 0.25% subsequent years
  • Buildings insurance and Bank account contracted with Bank compulsory

Product 10

No restriction on purchase price - Earnings in Euros only

  • Up to 60% loan to value
  • Interest rate first year 3.5 %
  • Variable rate 2.5 % above 12 month Euribor
  • No Minimum floor rate
  • 0.50% early repayment full first 5 years/ 0.25% subsequent years / 0.20% partial
  • Buildings insurance and Bank account, and rate protection policy contracted with Bank compulsory.

Product 11

No restrictions on nationality or loan size

  •  Up to 70% loan to value
  •  Fixed rate 20 years
  •  From 1.9% full term with linked products.
  • Linked products include, Bank account with minimum of 3 direct debits per quarter, debit or credit card transactions minimum of 3 per quarter, Alarm contract and buildings insurance. Life cover, minimum € 25k deposited with Bank, minimum monthly transfer to Bank account.
  •  Early repayment penalty maximum 3%

Product 12

No restrictions on nationality or loan size

  •  Up to 70% loan to value
  •  Fixed rate up to 20/25 years
  •  from 2.75% full term with linked products.
  • Life cover, buildings insurance and bank account compulsory. 
  •  Early repayment penalty maximum 5%

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