Investment Property Loans & Mortgages

World Property Investor offers the whole package and can help to arrange everything towards your investment property loan, mortgage or secured loan. We will offer a complete hand holding service from first point of contact through to conveyance, all insurances and completion.

Before we promote anything at World Property Investor we make sure we have researched fully into the property or development. With our overseas and UK investment property we not only carry out full due diligence on the development and developer but we also look into all the finance options to make sure that the property investment fits into our model. Does the it stack up with the latest buy to let mortgage pruducts or other investment property loans available on the market?

With some of the discounts available we are able to work the deal so as there is minimum cash input, no money down or even cash back!

Buy To Let Mortgage Solutions

Fantastic Exclusive Rates Available!

Working closely with our broker partner we can provide the best mortgage deals on the market for our clients. These mortgages and loans are not available on the high street. At a time when mortgages and especially buy to let mortgages are becoming more and more difficult to obtain, we pride ourselves on the fact that we are still able to secure an excellent package for our clients.

Buy To Let Mortgages - Contact us to help arrange your buy to let purchase even if its not through World Property Investor.

Residential Mortgages - Exclusive rates on any residential purchase.

Residential re-mortgages - release equity to help build your property portfolio.

Buy to Let re-mortgages - for releasing equity, or getting your properties on to a better rate.

Portfolio Management - place your portfolio with us and we will make sure you are getting the best deal and manage your portfolio.

Equity Release - Either by re-mortgage or secured loan.

Secured Loan - Whole of market lending for secured loans and invesment property loans.

General Insurance - Access to the best deals for buy to let buildings insurance.

Mortgage Protection - Whole of market access to the best deals for mortgage protection and life insurance.

Overseas Investment Property Loans and Mortgages

We guarantee our investors:

• 70% mortgage available
• Two year 10% rental guarantee followed by 50% net room rate share
• 30 days free use of the property each year (not available with SIPP purchase)

Purchasing off-plan means you pay a lower price for your property than it will be valued at completion. There will be several price rises during the build period which means you will see the value of your property increase over time.

You can sell your investment at any time after exchange of contracts.

How to finance your overseas investment property

The client raises a loan to fund the 30% deposit by secured loan or personal loan, the developer will make the interest payments for this amount on your behalf. See the example below:

• 30% deposit required (less £1000 ($2000) reservation fee) within 45 days of reservation.
  Should you finance the 30% deposit, the developer will pay the loan repayments,
  including interest, for the 30% deposit until completion of the specific unit you have reserved.
  

These payments will then be added to the purchase price on completion.

Example (Sterling): Property price £200,000. £1000 reservation fee paid.
The deposit = £200,000 x 30% = £60,000 - £1000 (reservation fee) = £59,000.
Interest on £59,000 @ 6% p.a. = £295 per month, paid for 24 months by the developer = £7,080 added to the purchase price upon completion.

Example (US Dollar): Property price $370,000. $2000 reservation fee paid.
The deposit = $370,000 x 30% = $111,000 - $2000 (reservation fee) = $109,000.
Interest on $109,000 @ 6% p.a. = $545 per month, paid for 24 months by the developer = $13,080 added to the purchase price upon completion.

Due to the significantly discounted off-plan contract price and the capital appreciation during the construction phase, it is anticipated that the £200,000 ($370,000) purchase price will have grown to a value at completion of circa £325,000 ($601,250)

At this point a 70% loan to value mortgage is available and therefore you will be able to borrow up to £227,500 ($420,875). This is clearly more than enough to pay for the £199,000 ($368,000) (purchase price less £1000 ($2000) reservation fee) that you owe as well as the accrued interest of £7,080 ($13,080) - from the above example.

Assuming you borrowed the maximum loan to value mortgage, available from the example above, you would borrow £227,500 ($420,875) on which the annual interest payment would be £18,200 ($33,670) based on a rate of 8%. The rental guarantee of 10% of your purchase price of £200,000 ($370,000) will generate you an income of £20,000 ($37,000) each year, should cover your mortgage payments. If you wish you could retain the £59,000 ($109,150) loan you took out for the deposit, pay the interest yourself each month, from completion onwards, and use the money to invest in a further investment property purchase.

World Property Investor does not guarantee which method of lending or loan will be offered. If we are able to obtain finance, from whatever means as previously mentioned, and the client refuses this for whatever reason, or decides not to proceed, the reservation fee is non-refundable. If a client arranges their own investment property loan and is unsuccessful, World Property Investor then reserve the right to try and obtain finance through their own contacts. In all instances, if we are unable to obtain a loan for you the reservation fee will be refundable.

**Subject to status. Terms & conditions apply.

 

Overseas Mortgages

How to Finance your Property Overseas

There is absolutely no doubt in the fact that the demand for overseas investment property is going up by leaps and bounds. This is also because many banks and financial institutions are offering easy ways to finance an overseas property largely through overseas mortgages. There are various specialist companies who are experts and well-qualified in the sphere of arranging loan amounts if you want to invest in a property outside the United Kingdom. This could be anywhere in the world right from the Caribbean to some place in Brazil. Today, you wont have any problem is choosing the right property overseas, and getting a finance for it.

Get Quotes

One of the first things you must do in terms of overseas mortgages is that you must get quotes from various lenders. Now, the lenders base their quote on the location of that property and its price in the property market of that particular country. There will be different quotes offered by different lenders and hence it’s important to request quotes from a whole list of lenders. After you get a quote that is acceptable to you and your budget, you must shortlist a few lenders and contact them.

Review Your Requirements

The first thing that a company or lending institution offering overseas mortgages will do is review your requirements with regards to that particular investment property. They will analyze the property; look at the financial requirements, and other aspects like maintenance, insurance, and of course, the seller of that particular property. This not only makes good sense for the lender but for the borrower as well. The property investment must be profitable for the borrower and this will come across, once the property and a borrower’s requirements are given a thorough once over.

The Financial Scenario

Even if you have found a discount property in a particular country and are thinking about buying it, you still have to figure out how you are going to pay for it. In many countries you will need to pay in cash for the transfer of property. In some other countries the overseas mortgages environment is very complicated and is not in sync with the rules and regulations of mortgage in the UK. This is essentially not your headache but that of your lending providers, however, it’s important to be aware of the various financial mechanisms of the country that you are going to buy your property. It will stand you in good stead in the future.

Be Prepared

You must be prepared for all sorts of business transactions if you want to finance your property overseas. Some of the property markets are well-developed, but in many others the process of sale of property is slow and can take quite some time. To get some incisive information or knowledge on some of the overseas property markets it would be a good idea to become a member of a property investment club or so. Moreover, choose a company offering overseas mortgages for specific countries. They would then have exhaustive information about those countries and their property markets and its legalities.