Partners Overseas Finance

Conti Financial

Conti Financial Services Limited (CFS) is a true broker orientated service. They have tailored their services to meet the expectations of Introducers. CFS have established ICT systems which ensures ease of instruction. They have comprehensive information available to both you and your clients, and have also built strong working relationships with overseas lenders. As these relationships have strengthened, new relationships have been formed with lenders thus offering more choice and are therefore not limited to a restricted number of mortgage schemes.

CFS has over 10 years of trading experience and employs 20+ staff, all experienced in conducting business with overseas lenders.

They have access to the most competitive and exclusive financial solutions for your clients. These include, Re Mortgages for Home Improvements and other purposes on a case by case basis + 100% financing for off-plan construction in a number of countries. Some lenders have also provided CFS dedicated in-house underwriting teams for their specific introduced business, thereby assisting towards faster processing.

Due to the volume of work CFS receive, they have negotiated competitive fees with lenders and in some cases, do not charge clients final arrangement fees.

At no cost to the client, CFS can internally pre-qualify a client's application, thereby saving time and money on inspection flights. They also employ in-house processing and dedicated underwriting teams for each country. These people are fully aware of what documentation the lender requires, their lending criteria and how to present the application, which ensures speed and efficiency.

CFS also works with UK and offshore lenders for Expatriates and non-UK Nationals wishing to purchase property in the UK.

Blevins Franks

The overseas mortgage division of Blevins Franks can arrange finance in most of Europe, Florida and on a case by case basis elsewhere. We will take the hassle out of arranging an overseas mortgage which can be a time-consuming and frustrating process if you do not have the necessary language skills and experience.

Blevins Franks Overseas Mortgages offers:

• Experienced multi-lingual staff providing regular updates on applications
• A comprehensive panel of lenders (both International and local)
• Exclusive products & preferential rates offering long-term savings
• Fast pre-qualification of enquiries with illustrations detailing the most competitive products available
• An extremely high conversion rate with lenders
• Fast-tracking of applications – in-house packaging and direct relationships with bank underwriters

The Blevins Franks Group has been advising clients for over 30 years and has offices in the UK, Ireland and throughout Europe. With almost 200 staff across the Group, Blevins Franks is one of the largest forms of advisers on wealth management within Europe. The specialist Tax Advisory Service ensures clients can take full advantage of any tax planning opportunities that exist but also protect you against costly tax consequences.

Mortgages 4 You

Mortgages 4 You Ltd is established as the leading overseas mortgage broker in terms of service levels and compliance and offers international mortgages in a number of countries. As one of only a handful of U.K based brokers fully licensed in Florida and with an office in Tampa , they deal direct with lenders in Florida as opposed to third party brokers – this equates to exclusive products and a better all-round service.

Having over 25 years experience in the mortgage industry and substantial experience in the overseas market Mortgages 4 You Ltd have the knowledge and experience to make the complex procedure of overseas property purchase as smooth and stress free as possible.

Fully regulated by the Financial Services Authority and the Florida Department of Financial Services they apply compliance procedures to all mortgage applications in several overseas countries, including a full fact find and comprehensive advice based around a thorough minimum advice checklist. Overseas mortgages are not regulated by the Financial Services Authority.

All of the staff at Mortgages 4 You Ltd undergo comprehensive training and have to demonstrate their knowledge and understanding of complex overseas issues before giving any advice to clients. They also employ multilingual staff and have a good local knowledge of all the countries in which they operate.

The working ethic at Mortgages 4 You Ltd is based around the client. This makes fees competitive and necessitates additional services not offered by other brokers including land registry checks and agreements in principle direct from the bank amongst others. All clients are offered a one-stop solution to their overseas finance requirements, with mortgages arranged with local foreign banks in most cases.

The 4less Group

The 4less Group PLC is one of Europe's leading providers of financial services to individuals who are looking to purchase overseas property.

Services include overseas mortgages, through Property Finance 4less division, foreign exchange services through Currencies 4less, monthly payment plans (OMPP) and overseas building and contents insurance.

In addition to the 4less group being FSA regulated it is also part of the publicly listed 4less Group Plc and is therefore also regulated by the London Stock Exchange.

On a case by case basis the 4less Group has relationships in place to be able to offer products in a number of other countries worldwide.

Their team of multilingual consultants is fluent in the language of the country in which their expertise lies. They also have an intricate understanding of the buying process and bureaucratic hurdles in the countries in which they are working.

As a highly respected introducer their lenders offer a fast track service in a number of markets. Many of their partners have dedicated underwriters who work on Property Finance files.

The 4less Group pride themselves on being able to offer a number of exclusive products offered only to them because of the excellent relationships they have with their lenders. In many cases they are the only group in the UK offering a comprehensive range of products which includes equity release on French, Spanish and Portuguese properties, 100% mortgages and off-plan financing in Spain.

BulgarianHomeLoans

Bulgarian Home Loans was set up in April 2005 as a sister company to Simplicity Financial Services (www.simplicityfinancial.com). It is the UK’s first and only Bulgarian Mortgage Specialist and they are dedicated to increasing competition and service within the Bulgarian mortgage market.

As the Bulgarian property market is still developing so are the corresponding mortgage products. The Bulgarian Home Loans team have visited the major banks in Bulgaria in order to develop a suitable mortgage product, to date we have negotiated a new mortgage product via DSK bank one of the largest retail bank’s in Bulgaria. This is the first mortgage to be offered by a Bulgarian bank to UK purchasers, it is extremely accessible to most borrowers and the bank doesn't ask for too much information, it also a staged payment facility for off plan developments.

We see this as the first step and are committed to working on behalf of our clients to ensure that the mortgage options available continue to expand and improve.

There are currently two Bulgarian mortgages available, one via DSK and the other via the Greek bank Piraeus. Both mortgages offer 70% loan to value with a variable rate of interest of 7%.

There are several important differences between these mortgages, details of which can be found on our Mortgage Products pages.

You can discuss these further with us by calling 0114 2525062 or email us at info@bulgarianhomeloans.com