• Process explained
• Lending criteria
• Repayment and collection methods
• Application process
• Mortgage types
• Mortgage terms

Mortgage products we offer

Lending criteria

For a detailed discussion of our lending criteria we suggest that you contact one of our Underwriting team, however certain parameters are common for all the countries which we lend in:

Age You need to be over 21 and below 70 at maturity of the loan. Residential status Depending upon the product, you need to be resident in Greece, Ireland or the UK (although we lend to ex-patriots who retain UK or Irish bank facilities as we collect repayments on our Overseas Mortgages by Direct Debit). Number of applicants We lend to a maximum of 2 individuals if borrowing jointly (a joint application is often required for married applicants) or a maximum of 2 shareholders when lending to a company. Financial status You need to have stable earnings (employed for a minimum of 3 months; if you are self-employed you need to have been trading for at least 2 years). You must have a clean credit history. An assessment is made of your 'affordability' i.e. your ability to repay the loan given your income and financial commitments. Evidence Evidence of deposit is always required as well as of identity, address, income, employment and credit history.

Indicative FX rates

Last updated 23/07/08 9:00pm

We buy at:

£1 = €1.2670

We sell at:

£1 = €1.2799