Foreign Currency Mortgages

Japanese YEN (JPY) Currency Denominated Mortgages for UK Property

Convert your UK mortgage into Japanese YEN currency mortgage and take advantage of Bank of Japan interest rates (currently 0.5%).  These mortgages are for Domestic Residential Property, Buy-To-Let portfolios and commercial property.

Japanese Yen International currency managementMortgages arranged from Japanese banks in YEN currency JPY

'Foreign Multi-Currency Mortgages for UK Property' Denominated in Japanese YEN

Ever considered switching your mortgage debt for your UK home or BTL property into another currency? Gain financial leverage of international currency trading and benefit from lower interest rates. You could significantly reduce the cost of your borrowing against your UK property with a Japanese YEN foreign-currency mortgage. With the Bank of Japan's interest rate remaning at 0.5% PA you could enjoy significant interest savings while paying off your mortgage far earlier compared to conventional interest-only Sterling UK LIBOR based mortgage. 

Managed Multi-currency mortgage

For more information on multi-currency mortgages call us FREEPHONE 0800 4969595

Yen mortgage

Foreign Currency Mortgages: YEN MORTGAGES ¥

Japanese Yen MortgageTake advantage for the low interest rates of the Japanese YEN. We can offer mortgages arranged for UK property from Major Japanese banks lending into the UK property offering YEN based currency mortgages.

The yen is the third most traded currency in the foreign exchange after the US Dollar and the Euro.

Yen Mortgages for professional clients with good credit requiring a maximum of between 65% and 70% Loan to value. Secured by first legal charge on residential and buy-to-let. Commercial property also considered.

Residential and Buy-to-Let portfolio professionally managed multi currency mortgage accounts. Switch your mortgage borrowing into lower interest rates against LIBOR.

The following major currency denominations are also available for switching the loan into and out of: Swiss Franc, Japanese Yen, Euro, United States Dollar, Canadian Dollar and Australian Dollar. If you have some experience of the foreign exchange markets or experience with trading platforms such as forex (fxcm) real-time international currency trading, you could also manage your own mortgage account switching debt between currencies yourself. Alternatively we can appoint the services of a professional currency manager to do this for you, managing your entire debt over the term of the mortgage for the most efficient debt reduction. This is acheived by selectively switching your mortgage balance (or portions of it) between currencies as they weaken against the sterling.

international currency trading

Example of effective debt reduction through multi-currency mortgages:

A client's sterling mortgage of £1,000,000 advanced in 1988 was remortgaged to a multi-currency loan, professionally managed the mortgage balance was reduced to a nil balance by 2003 without the client paying a penny more than the sterling interest-only mortgage payments. The account was continued to be managed to a position with a credit balance worth £206,884 as of Dec 2006.

Example of how Debt Reduction works :
A Mortgage value of £1million Stirling converted into Yen when the rate of exchange was 180 (Yen to the Pound) the value of the debt in Yen is ¥180 million. But if the Yen weakened to 200 to the Pound, converting the mortgage back into sterling would cut the loan to £900,000, saving £100,000 of the mortgage through the currency movements.

Tax Efficient Borrowing: Under the current UK tax legislation, reductions in the sterling equivalent of a mortgage would not be liable to Capital Gains Tax where borrowing is secured on the main residence. A reduction on paying less interest on a mortgage would not be taxed as additional income. We would reccomend that you talk to your tax adviser or accountant on how you may be affected.

 

Other major currency mortgages and currency debt swaps:

Yen mortgage Japan Yen (JPY) ¥ Mortgage

Swiss Mortgage Swiss Franc (CHF) Mortgage

USD Mortgage US Dollar (USD) $ Mortgage

CAD Mortgage Canadian Dollar (CAD) $ Mortgage

AUS Mortgage Australian Dollar (AUD) Mortgage

EURO Mortgage Euro Mortgage (EUR) 

Major Currency Interest Rates

Country

 Rate Name

 Currency  Rate  Last Change

Japan

  Uncollateralized Overnight Call Rate

  JPY

 0.50%

  21-Feb-07

Switzerland

  Repo Overnight Rate

  CHF

 2.75%

  14-sep-07

Canada

  Target Key Interest Rate

  CAD

 3.00%

 22-apr-08

European Union

  Main Refinancing Rate

  EUR

 4.00%

  06-Jun-07 

United Kingdom

  Official Bank Rate

  GBP

 5.00%

 10-apr-08

USA

  Federal Funds Target Rate

  USD

 2.00%

 30-apr-08


Interest rate Data byInternational Currency Trading Foreign Exchange (FOREX)

Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it. Exchange rate movement may affect the Sterling equivalent of your debt.

JAPAN MORTGAGE | MULTI-CURRENCY MORTGAGES | FOREIGN CURRENCY MORTGAGE | EURO MORTGAGES | INTERNATIONAL MORTGAGE | JPY CURRENCY LOAN

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Yes To Commercial mortgages

YES: Up to 100% Lending
YES: Self-Cert up to £10m
YES: Commercial refinance
YES: Start up Business
YES: CCJs or Bad credit

YES: Competitive rates

Commercial mortgages

BTL & HMO Mortgages

Yes To Development Finance

YES: Up to 100% Funding
YES: Self Builds
YES: Land with no planning 
YES: Renovation loans
YES: Development loans 

YES: Commercial development

Business Funding

Yes To BTL & HMO Letting

YES: 90% LTV BTL
YES: Self Cert Income
YES: No rental asessment 
YES: No ERC's or HLC
YES: Portfolio refinance

YES: Low interest rates

BTL HMO Let Mortgage

Yes To Bridging Finance

YES: Up to 85% LTV OMV
YES: 100% Purchase price
YES: Funds in 10 days
YES: Development Finance
YES: No Hidden Charges

YES: Rates from 0.99%/mth

More info on Bridging Finance

Yes To Corporate Business Finance
Corporate Business Finance
Management Buy Out Financing
Asset Funding & Trade Finance
Factoring
Invoice Discounting

 

Accepted property types

Semi Commercial Property
Hotels & Hotel Redevelopment
Offices - Office Blocks
Retail Shops -W/wo Flats Above
High street Retail premises
Warehouses & Distribution centers
Take aways -W/Wo Flats Above
Buy-To-Let portfolios
Multiple Occupancy (HMO)
Bed and Breakfast Houses
Restaurants
Pub Leases & Freehold public houses
Veterinary Surgeries
Private healthcare Clinics
Nursing homes
Doctors & Dental Surgeries
Property Development Finance
Industrial Units
Factories & Production plant machinery
Farms & Agricultural Machinery
Franchising
Land with or without planning
Motor trade & Garage Forecourts
Leisure Premises - Health Clubs - Gyms
Site Redevelopment opportunity finance

 

 

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