For additional offerings for the UK property market, please also view Buy to Let and Buy to Live. If you are currently residing in Asian countries (Singapore, Hong Kong, Malaysia, Japan, etc) you may be able to secure funding up to 80%.

• Minimum loan: GBP 100,000 or currency equivalent.
• Very attractive refinance package available for properties in England and Wales
• Further advances – GBP 35,000 or currency equivalent.
• Loan Currency: Must be either the local currency of the property location or the currency of the client's primary income
• Refer here for rates
• Repayment options: Capital & Interest repayment or Interest Only
• Loan term: 30 year term or up to 70 years of age, whichever is earlier.
• Financing: Maximum 70% of purchase price or valuation price, whichever is lower.
• Arrangement fee: 1% of the loan amount and payable upon acceptance of formal offer letter and is non-refundable.
• Legal fees :For client’s account (both the borrower’s and the bank’s legal fees)
• Valuation fees, stamp duties, taxes, communication charges, building & other forms of insurance: For clients account.
• Corporate / Trust borrower handling fee: 0.25% of the loan amount for clients who borrow via a company or trust structure, payable upon acceptance of formal offer letter and is non-refundable. Offshore company registration fees may also be payable.
• Currency switching: Subject to qualification criteria and availability, which varies from time to time. When currency switching is offered, two free switches per calendar year, USD150 per switch thereafter.
• Security: First legal charge or mortgage over the property.
• Leasehold properties: Minimum 50 years left to run after repayment date.
• Letting/Rental: No additional charges or increase in interest rates but tenancies or lets beyond certain terms will require our formal, written authorization and lower loan to value ratios may apply.
• Repayment: Quarterly in arrears.
• Pre-drawdown amendments A handling fee of USD150 will be charged should borrowers wish to make any amendments to the loan offer letter after the letter has been issued and accepted.

1.  The bank does not finance UK residents for the purchase of a property in UK for own use (even as a second home that will be use occasionally) or family occupation.
2. The bank will be able to lend to individuals who are buying a UK property for their own occasional use or for the use of their family or for investment provided that the borrowers are all non-UK resident. After the loan is drawn and client intends to take up residence in UK, the bank may continue with the Facility subject to the condition that the bank will not permit any changes to the terms and conditions of the facility.  However, no additional loan will be allowed.
3. The bank will be able to finance clients residing in UK for the purchase of properties outside UK.
4. Bank consent is required for entering into letting or tenancy agreements exceeding one year.