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Finance

Finance

 

One of the most important parts when buying your next property and investment home is dealing with finance and finding the right mortgage for your situation. If you want to talk directly to us on this matter please get in touch with us today

America

 

ONE OF THE LARGEST OBSTACLES THAT MANY INVESTORS HAVE HAD TO FACE WHEN PURCHASING REAL ESTATE IN THE U.S. IN RECENT YEARS, HAS BEEN THE LACK OF MORTGAGE OPTIONS.

 

Since late 2007/2008, lenders have been extremely hesitant to provide finance to even the most qualified buyers. Foreign nationals 

found
 it even more difficult, as most lenders viewed individuals not based in the U.S. to be a higher risk than those domiciled in the U.S. with a locally based credit score. 

The great news for investors, especially those living within the EU and UK, is that the banks are now lending again! IHG has worked tirelessly with our banking partners to develop lending programs that not only address, but focus on the needs of investors looking to buy both holiday and investment homes in the US, but are based abroad. IHG is pleased to announce we have now signed exclusive agreements with several of the largest, and most financially stable lenders in the U.S. We have mortgage options available to suit nearly all of our clients’ requirements, regardless of their employment status, credit history, or property investment experience. This has proved to not only be positive for our clients, but has been a major factor for the steady increase in property prices over the last 18 months. We therefore encourage you to get in contact with us to arrange mortgage meeting with our financial experts for a proper and thorough evaluation. 

 

Spain

OVER THE LAST FEW YEARS THE PROPERTY MARKET AND IN PARTICULAR THE MORTGAGE AVAILABILITY IN SPAIN IS LOOKING BETTER THAN EVER. 

Property prices are more realistic, choice is extensive and contracts are much more transparent. 

But don’t wait until you have found a property to start looking for a mortgage. If you are serious about purchasing property in Spain then it is worth thinking about your mortgage as early as possible. Although there is much more availability when it comes to Spanish mortgages than there was a few years ago, the process is still a long one and the lending criteria has been tightened somewhat. Having all of your finances and documentation accurate, transparent and up-to-date is vital. Spanish mortgages are offered by banks and savings banks and are obtained directly from them or alternatively, through a mortgage broker. Many of the larger banks have branches in the UK and Spain, so will be familiar to you, but this doesn’t necessarily mean that they will offer you the best rate. It’s always worth shopping around. As experts in the Spanish property market, we are here to help ensure that you have everything you need and ultimately the best chance of securing the right mortgage for you. If you are interested to hear more about your mortgage opportunities in Spain get in touch with our financial experts today 

 

 Portugal

ONE OF THE MOST IMPORTANT PIECES OF ADVICE WE CAN GIVE YOU WHEN IT COMES TO A PORTUGUESE MORTGAGE, OR ANY MORTGAGE FOR THAT MATTER
IS DON’T WAIT UNTIL YOU HAVE FOUND A PROPERTY YOU WANT TO BUY BEFORE YOU START TO LOOK FOR A MORTGAGE. 

If you are ready to take the step into the Portuguese property market then it is certainly worth thinking about applying for your mortgage as early as you possibly can. 

Although the Portuguese property market is strong, it can sometimes be difficult to secure the right mortgage on your own. The process is not a short one and the main lending criteria has been somewhat tightened in recent years. This doesn’t however mean that you will have any trouble being accepted, it just means you need to be well prepared. 

Having clear and concise copies of all of your up to date financial information and documentation is vital. As experts in the Portuguese property market, we are on hand to ensure you have the best chance of securing the mortgage that is right for you, with minimal hassle.