Types
of Financing
 TYPES
OF FINANCING
- VARIABLE
RATE-MOST MORTGAGES ARE ARRANGED ON THIS
BASIS AND INCLUDE CAPITAL AND INTEREST PAYMENTS.
- INTEREST ONLY-THERE
ARE ONLY ONE OR TWO LENDERS THAT WILL DO INTEREST ONLY.
- FIXED RATES-ARE
POSSIBLE BUT TEND TO BE 2% OVER CURRENT MARKET VARIABLE RATES.
RESIDENTIAL
WE CAN PROVIDE FINANCE AS FOLLOWS
- HOLIDAY
HOMES
- PERMENANT
RESIDENCES
- BUYING
OFF-PLAN
- SELF
BUILD (INCLUDING LAND)
- EQUITY
RELEASE
- INHERITANCE
TAX MITIGATION
- BRIDGING
FINANCE
- CAPITAL
RAISING FOR MORE PROPERTIES
- 100%
FOR RESIDENTS
COMMERCIAL
- LOCALES
FOR OFFICES,BARS ETC
- PURCHASE
OF LAND FOR DEVELOPMENT
- LINES
OF CREDIT (AGAINEST SECURITY)
- BANKING
AND CARD FACILITIES
- VEHICLE
LEASING
NOTE THAT THE LOAN PERCENTAGE IS LESS WITH COMMERCIAL LOANS
AND LENDERS WILL ONLY LEND BETWEEN 50 AND 60 PERCENT
OF VALUE
SELF-FUNDING/IHT/INCOME
THIS PRODUCT IS FOR FINANCIALLY AWARE PEOPLE AND INVOLVES RISK.THE
MAIN ELEMENTS ARE AS FOLLOWS
- REFINANCE
UP TO 90%
- CHOICE
OF CURRENCY FOR LOAN
- RELEASE
UP TO 25% FOR OWN USE
- BALANCE
MUST BE INVESTED WITH LOAN PROVIDER
- CAN
BE SELF FUNDING
- COSTS
LOWER THAN COMPETITORS
BENEFITS (SF/INCOME/IHT)
- NON-RESIDENTS
REDUCED IHT
- ROLL-UP
INCOME (NO TAX)
- AFTER
5 YRS CGT ON ONLY 25% GAIN
- NO
WEALTH TAX
- SELF
FUND FROM INVESTMENTS
- RELEASE
CASH/TOP-UP INCOME
RISKS
- RISK
OF PROPERTY VALUE FALLING
- BASED
ON CURRENT TAX RULES
- INTEREST
RATES COULD RISE
- CURRENCY
RISK
- INVESTMENTS
COULD FALL
- YOU
MAY HAVE TO SELL THE HOUSE
- SET-UP
CHARGES (LOSS OF EQUITY)
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