Case studies
100% LTV interest-only euro mortgage secured on a GPB interest-bearing account
September 2018 – Mr and Mrs L. 63 and 71 years old.
English couple residing in the UK.
Client requirements:
Our clients contacted us as they were in the process of purchasing a holiday home in Antibes, on the French Riviera. Although they could afford to pay the full price without resorting to mortgage finance, our clients were reluctant to converting a significant proportion of their savings, held in GPB, into Euros dur to the unfavourable exchange rate.
Euro denominated mortgage to purchase a new build apartment in London
July 2018 – Mr and Mrs L. 54 and 59 years old.
French couple residing in Qatar and the UK.
Client requirements : arrange a mortgage loan to finance the purchase of a new build apartment located in London. Despite a comfortable income and significant assets, UK based lenders were struggling to understand our clients’ unique situation primarily because of an income originating from the Middle-East.
€235,000 mortgage for an American gentleman purchasing a Paris “pied à terre”
June 2018 – Mr S., 59, American gentleman residing in LA.
Client requirement: Euro mortgage to purchase a “pied à terre” in Vincennes, near Paris.
Buy to Let mortgage in a new build programme for French expats residing in China
May 2018 – Mr and Mrs D
County of residence : China
French property location : Paris. New build apartment in the magnificent UNIC Batignolles programme
Client requirements : Buy to Let mortgage to finance the completion of the programme.
Cash-out remortgage for retired English couple
May 2018 – Mr and Mrs H., aged 67 and 63
County of residence : France
French property location : Paris area
Client requirements :
Adjust monthly payments to retirement income and release equity against primary residence.
Director’s loan refinance for a French SCI
January 2018 – SCI à la Montagne
Cash-out in the form of a Director’s loan refinance for an SCI (Special Purpose Vehicle) which owned two unincumbered properties located in Megève.
The Company directors, successful British entrepreneurs, were keen to take advantage of the €/GPB exchange rate. Their requirements was to refinance all funds which had been advanced to the SCI by way of a Director’s loan.
Interest-only remortgage for Cap d’Antibes villa
December 2017 – Mr S. and Mrs D.
Remortgage of an interest-only loan secured against a villa located in the Cap d’Antibes (French Riviera).
Clients’ country of residence: UK
Our clients had owned the property for ten years. As their interest-only credit line was approaching its term, their requirement consisted in remortgaging to a new Interest-only loan with a new mortgage provider.
Euro denominated mortgage loan to buy a beautiful villa in Provence
January 2018 – Mr and Mrs H.
Franco-American couple
Country of residence : Florida, USA
Residential mortgage for holiday home in Provence
Quick Mortgage for a Chalet in snowy St Martin de Belleville
Mr and Mrs C. – November 2017
County of residence : Ireland
Residential mortgage for a recently renovated Chalet located St Martin de Belleville, near Courchevel