Financial North

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Q & A

We are transparent and with over 25 years of international experience in financial services.

We are mortgage and finance brokers for companies.

Our aim is to provide you with competitive mortgage or finance offers, whenever it is possible, so you can select the more suitable to your requirements.

The management and/or processing of a mortgage, loan or credit application by Financial North does not imply or entail its approval. Financial North does not approve or grant loans; its activity or management is limited only to the application and processing of documentation, with prior authorisation by the user to the different financial institutions with which it collaborates. If the loan is approved, these financial institutions will issue a binding offer, in the name of the clients, signed and stamped by the lender. Please note that we do not provide mortgage advise.

We offer a free “Decision in Principle” assessment. It is a good idea to have your borrowing capacity defined before you search for your property abroad. Then you can focus on the property you can buy based on your current situation. Through our collaboration with local and international banks, we shall assist you in finding the most suitable finance adapted to your current financial circumstances and market conditions.

It depends on the tax regulation of the country where you are buying the property. You should also account for local and national taxes, notary fees, lawyer, property appraisal, title deeds, etc. You should estimate a cost from 10 up to 15 % in addition to the acquisition price.

First, we assess your case and based on its complexity we would discuss with you your case once we have received your completed decision in principle form and any relevant information. We would be then able to understand your application and its complexity and inform you of any fees from external services, if there are any. We will always explain exactly what you will be charged, before you choose to proceed with a finance application.

Once the lender’s offer has been selected by you, we shall also disclose the commissions we shall receive from them.

We keep you informed with all relevant progress of the application. We try to understand your needs and provide you the options available in the market. Whenever it is possible, we will provide you with different options so you can decide which one is more convenient for you.

We strongly suggest that any prospective purchasers seek independent legal advice before signing any contracts and handing over any money. We can suggest different law firms specialised in local land and property law.

Yes, your property will raise local tax liabilities, and normally this could vary in different locations within a country. Your lawyer should inform you of the taxes arising following the purchase and the annual taxes.

The quick answer is yes if you are buying a property in a different currency to your savings, it is likely they would offer you better rates than your High Street bank.

The minimum deposit for non residents is 42% of the purchase price as the maximum finance available is 70% and then completion costs shall be around 12%.

If you have a completion dateline, always allow yourself with enough time to get a final approval from the lender. Mortgage application process can vary significantly from one country to another as well as mortgage lenders. Besides, it is also important that you provide all requested documentation at the appropriate time and manner.

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