Mortgage for overseas property, international mortgages and foreign property mortgages – Trafalgar Square Overseas.

Trafalgar Square Overseas is a truly independent advice-based mortgage brokerage. Our guiding principle is to break the mould of institutional-style selling by operating a new and non-aligned mortgage business; a business that is not only client-centred but also entirely service oriented.

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Description of the Service in Detail from Trafalgar Square Overseas - your partner for international mortgages, foreign property mortgage and mortgage for overseas properties:

Trafalgar Square Overseas is a truly independent advice-based mortgage brokerage. Our guiding principle is to break the mould of institutional-style selling by operating a new and non-aligned mortgage business; a business that is not only client-centred but also entirely service oriented.

What this means for our clients is the absence of any time-consuming and impersonal bureaucracy and frustration – both often associated with large institutions. We do not have call centres nor do we offer a succession of different case managers. Instead, you will benefit directly from the expertise and experience of your very own broker along with a case processor. This is your team. They appreciate the importance of understanding and identifying your aims and needs, without compromising their response times.

We also take great care in matching our clients’ requirements to specific products by drawing on our access to the whole lender market and by providing clear and intelligible explanations of the options available.

We earn our fees by working hard on your behalf, guiding and informing you through every stage of the entire mortgage process, and achieving a successful application with the minimum of stress.

Trafalgar Square Overseas is also a Member of the Association of International Property Professionals (AIPP). In an effort to improve the professional standards of the international property market, Members of the AIPP have voluntarily committed themselves to industry regulation.

You will be introduced to your dedicated broker who will deal with your mortgage application throughout the entire process, ensuring you get direct access to the expertise you need and a quick response to any queries that may arise.

Build a profile: To help make your application as effortless and stress-free as possible, we will need to create a comprehensive and confidential profile of you. This will enable us establish your precise needs in order to match the most suitable lender and product to your circumstances.
The search begins: The matching process involves an extensive product search where the results will be discussed with you in detail – clarifying the different options concerning rates, fees, loan to value and timings.

The application: Once you have decided on a mortgage product and lender, your broker will ensure that you are familiar with all the documentation, taking the time necessary to ensure you understand how and why the information provided will be used. When you are happy to proceed, your application will be sent to the chosen lender.

Case processor: You will be introduced to a dedicated case processor who will work with you and your broker to actively keep you informed of your application’s progress until completion.

Residential mortgages

The overseas residential mortgage market has grown to the point where there are now 100’s of individual product choices. These all vary depending on the size of an applicant’s deposit, the term (borrowing period) of the mortgage and the applicant’s age and financial status.

In addition to this wide range of product choices, there are a variety of payment options, such as fixed, capped, discount, etc, as well as repayment methods. The result for the applicant can be a large and rather confusing set of options.

Trafalgar Square works with a client to understand their financial goals, identifying long and short-term needs, and rationalizing the costs as well as their rate and repayment requirements. With this information a realistic set of options can be discussed, pinpointing an ideal lender and mortgage solution.

Investment mortgages

The middle ground between the residential mortgage market and commercial finance is predominantly occupied by the investment mortgage sector. This niche market is continually growing in complexity as it matures, expands and progressively gains recognition.

As a result, the investment property market is steadily evolving and becoming more sophisticated, with lenders implementing changes all the time; these advances give investors increased options on loan to value and refurbishment funding.

Trafalgar Square ensures that a client’s investment strategy fits their needs by matching it to the appropriate products and lenders. By working with a client to understand business goals, the company provides valuable advice and support that enhances portfolio development and long-term plans.

Income or capital growth requirements will, by definition, involve differing application approaches to lenders. Trafalgar Square is familiar with vendor financing, gifted deposits, ghosted deposits and cash-backs.

Current Trends

Up to 400,000 overseas properties are currently owned by the British. This figure has increased by 9% per annum over the past 10 years.

Owners of overseas second homes are typically aged between 45 and 75.
One in four overseas second home owners have more than one property abroad.

The research
Savills research shows that investment motives drive the majority of overseas second home purchases and that rental potential is the single biggest consideration.

Price premiums for properties in locations served by low cost airlines can be as much as 37%
Typically the highest rents are being achieved in established holiday destinations such as France, Italy & Greece.

The Office of National Statistics estimates the total value of UK owned foreign property has increased more than threefold between 1994 & 2003 from £7 billion to £23 billion.

Growth is driven by the attractiveness of overseas prices, excellent access from low cost airlines, the ability to finance purchases from high UK equity and increased economic & political stability throughout Europe and the world.

In 2002 14% of acquisitions cost over £250,000 this rose to 21% in 2006. At the other end of the market 8% of purchases were below £50,000 in 2002 and by 2006 that figure had reduced to 2% reflecting a widespread increase in prices.

Second homes in Spain, Greece & Portugal have experienced the lowest capital growth but still at rates in excess of 10% per annum.

Source: Savills Research; Office of National Statistics; homesoverseas.co.uk

Partners

Trafalgar Square Overseas has developed strong working relationships with its specialist partners. Each is chosen for their experience and expertise in their individual areas – and of course, their desire to give the best quality of service to our clients.

• Acacia International
• The International Property Law Centre
• Succeed in Languages
• The Overseas Guides Co.
• The Overseas Insurance People
• Baxter
• The Sovereign Group
• Live Overseas
• MoneyCorp