Montpelier has established the International Mortgage Desk in order to address the property needs of our international clients.
This service is aimed at clients who are looking to do one or more of the following:
- Get a better deal on existing borrowing
- Release equity from existing property
- Purchase new property
- Establish sophisticated multi-currency mortgages
Who do we use?
We have a “Lender Panel” which currently includes the following international lenders:
- HSBC
- Lloyds TSB
- Royal Bank of Scotland
- ANZ
- National Australia Bank
- Abbey National
- Maybank (Malaysia)
Which countries do we lend to?
The list of countries that our panel will lend to is extensive, however, we have most experience in property lending to the UK, Australia, New Zealand, Spain, USA and Malaysia.
What kind of mortgages do we organize?
- Repayment Mortgages
- Interest Only Mortgages with a flexible repayment vehicle
- Variable Rate Mortgage
- Fixed Term Mortgages
Advantages of International Mortgages
International mortgages are offered to more discerning investors and therefore often have additional advantages including:
| Currency flexibility |
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Many lenders will allow the investors to switch the base currency of the mortgage at nil cost or minimal cost. |
| Early Repayment |
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To repay large proportions or the whole loan early at nil or minimal cost. |
| Repayment Savings |
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Rates are competitive when compared to standard on-shore lending. |
Taxation and Wealth Management
At Montpelier we pride ourselves on our ability to assist clients in holistic wealth management planning.
Our experience and training mean that we can advise on the potentially huge savings available by purchasing property through a Trust, an offshore company and a UK SIPP.
We can also advise of protecting these assets via confidential structures and insurance and assurance provision.
For further information on how the service may be of use to you please contact the Mortgage Services Desk
