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We make secured loans available to specialist companies who, since the early 1980s, have provided mortgages to individuals within certain EU countries.

Although property has long offered one of the best risk:return ratios, these companies have further improved this by applying the following lending parameters:
Each loan is secured by way of a first charge on a freehold residential property
Each property is professionally valued by a chartered surveyor
The loan is always less than 50% of the property's value
An individual loan cannot exceed EUR 120,000 or equivalent  
The monthly repayments are less than 25% of the borrower's monthly income
Each property is fully covered with a reputable insurance company
Loans are only made once strict controls and legal searches on title have been carried out
Accounts are audited on a quarterly basis

Other than bridging loans, the nominal term is 15 to 25 years: however, many borrowers redeem their loans significantly earlier than this. Monthly interest payments, early redemption fees and income from related products combine to provide healthy profits and sound liquidity.
     
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