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.