Buying Property Abroad
Optimate Consulting can assist you with purchasing a property in Spain (including the Islands), France or Portugal whether that be a new permanent home or a holiday home to live in or rent out. In some circumstances capital raising for home improvements to an existing overseas property can be arranged.
We have a specialist team of English and Spanish speaking mortgage advisors who can guide you through the process of finding the most appropriate mortgage for your needs. We make the process of getting a mortgage a lot less stressful and as a leading overseas mortgage specialist we work directly with international banks based in the country in which your client is purchasing
If you have found a property or are still in the process of searching for the ideal property contact us to find out what mortgages are available
Spain
- Max. LTV 70%
- 25 year term up to max. age 75
- Minimum loan amount 100,000 euros
- Banks available with English websites and English speakers
- Variable and fixed rates available
France
- Max. LTV 85%
- 25 year term up to max. 80 years of age
- Minimum loan amount 100,000 euros
- Free valuation
- Variable, fixed, interest only and capped rates available
- Life insurance is compulsory but in most cases can be arranged by the introducing agent
Portugal
- Max. LTV 80%
- Minimum loan amount 50,000 euros
- 30 year term up to max. 75 years of age
- Variable & Fixed rates available choice of 5, 10, 15 or 20 years
- Free Decision in Principle
- Market leading rates
Turkey
- Max LTV up to 80%
- No Minimum Loan
- Min income requirement £23,000 (at least 1 applicant)
- Up to 15 years term
USA
- Max LTV up to 60% to 70%
- Purchase of a second home/holiday home
- Min loan 100,000 dollors
- Up to 30 years term
Currency Exchange
SAVE MONEY ON YOUR OVERSEAS TRANSFERS TODAY!
Smart Currency Exchange are currency exchange specialists who help individuals save money when transferring funds internationally.
Since 2004, Smart Currency has provided a secure, efficient and effective service to transfer currency internationally, whether for buying property, paying bills, mortgage payments or any other overseas expenses.
Smart Currency benefits
Smart Currency benefits
- Get currency exchange rates up to 4% better than your bank
- No charges, fees or commission
- Expert planning with your own dedicated currency trader
- Authorised by the Financial Conduct Authority (FCA)
Opening an account with Smart Currency is free and comes with no obligation. Get in touch today for a free quote and find out how much you could save
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Plan Ahead
If you regularly make international transfers to or from the UK and overseas, Smart Currency will save you money with their Regular Payments Plan. It is quick and easy to set up and ensures you never miss a payment.
What’s more, you can also fix the rate for 12 months. This means that you can plan all your upcoming overseas transfers and budget your monthly costs, without having to worry about fluctuating exchange rates.
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The Small Print. Optimate Consulting Ltd is an administrative hub, processing client applications on behalf of our business partners. As a result of this, we are registered with the Information Commissioner’s Office. We are not regulated by the Financial Conduct Authority (FCA). We do not promote regulated products to the public or provide any form of financial advice on investments or pensions which are regulated by the FCA we will refer you to a suitably qualified person. Should you require Financial Advice, we recommend you contact your Financial Adviser. If you do not have a Financial Adviser we recommend you search the Financial Services Register to find an authorised firm that meets your requirements. If you require assistance on the completion of an application, please feel free to contact us. Optimate Consulting Ltd is a company registered in England and Wales company no.10249349, registered address Unit 8 & 9, Parsons Court, Welbury Way, Newton Aycliffe, County Durham DL5 6