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Offshore finance Dan Carpenter and Jimmy Hendey, BDM, RBS International

Offshore finance Dan Carpenter and Jimmy Hendey, BDM, RBS International. The RBS Intermediary Roadshow. The International Mortgage Market. RBS International. Mortgages for UK properties

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Offshore finance Dan Carpenter and Jimmy Hendey, BDM, RBS International

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  1. Offshore finance Dan Carpenter and Jimmy Hendey, BDM, RBS International The RBS Intermediary Roadshow

  2. The International Mortgage Market

  3. RBS International Mortgages for UK properties Homes to live in, buy to let investments and equity release finance wherever you are in the world Intermediary and Specialist Lending Unit

  4. What is our market? We provide offshore mortgages, Buy to Let and Residential, for properties in the UK.In 2007, foreign investors accounted for 37% of property sales in Prime London for property values between £1 - £2m. (31% for value below £1m)77% of Prime London rentals are non-UKnationals.

  5. Who are our clients? • Dubai national and resident looking to purchase a buy to let property in the UK. • German national living in the UK looking to purchase a main residence in London. • BVI Ltd Company “SPV” looking to purchase a number of UK properties.

  6. What are our products? Base rate tracker - 3 years. Fixed rates – 2 & 3 year. Multi currency also available. GBP, EUR, JPY, CHF & USD. Interest only – 20 years max (5 years for residential). Capital and Interest – 25 years max.

  7. Why choose us? Dedicated BDM One point of contact throughout mortgage process. BDM manages all cases from beginning to end 2 day approval process What’s in it for you? 50% of arrangement fee.

  8. How to contact us Dan Carpenter Team – 01624 632323 Direct Dial – 01624 632334 Mobile – 07624 452361 E-mail – daniel.carpenter@natwestinternational.com Website - http://www.natwestinternational.com/international.asp

  9. UK Buyers Overseas Property Purchases in 2007 • Spain is still the No. 1 destination • Spain is a buyers market • Choice • Discounts available • Prices negotiable • Spain is winning everything!! • Euro 2008 • Wimbledon

  10. What the papers say...

  11. What the papers say...

  12. What is our market? Mortgage lending in Mainland Spain, The Canary and Balearic Islands • Purchases– Resale/Off Plan • Remortgage– From other lenders • Equity Release – unencumbered • Self-build – Building your own

  13. What is our product? • Interest rates in Euro • Mortgage Term – up to 25 years • Maximum Age – 70 years old • LTV – up to 60/65% • Based on affordability • Documents produced in English

  14. Why choose us? • A name you know and trust • UK based BDM’s • Spanish Mortgage Helpline • Website • Bi-lingual staff • Help is at hand

  15. What’s in it for you? • Introducers Fees – 40% of the arrangement fee taken (usually 1%) • Cross sale opportunities • Remortgage for the deposit and costs • Offset Mortgages for Off Plan Purchases • Life Assurance • IHT Planning • Spanish Home Insurance • Investment Advice

  16. How to contact us? Jimmy Hendey Mobile: 07795 061633 Email Jimmy.Hendey@adambank.com Gibraltar: 0845 900 8000 Website: natwestinternational.com/spain

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