INTRODUCTION Over the years Chartercros has developed strong partnerships with some of the worlds leading financial institutions and banks all of which offer some of the most competitive products in the marketplace and a high level of protection for the investor. In this guide we aim to provide you with essential information on overseas mortgages as an international investor or expatriate. In addition one of our experienced financial consulatnats can assist you further and take you through some of the options available to you that will help you set up your mortgage for your dream home or investment. WHY USE INTERNATIONAL MORTGAGES It is essential to understand that there are considerable differences between overseas and the more traditional UK mortgages. When arranging for an overseas mortgage there are many potential pitfalls which can leave you exposed if you have not taken the appropriate advice. In the current overseas property market you should be more diligent and stick to decisions that you have made. It is essential to avoid disappointment at a later stage. Every country has a different set of laws governing property in separate regions. If you are not aware of some of the regulations it could lead to misunderstandings and potential heartbreak further along the line. It would be a good move to get in touch with a renowned international mortgages expert who will be able to guide you through the process and inform you of any rules you must adhere to when buying property overseas. Whether you are at an early enquiry stage or have already found a property it is always a good idea to seek expert help in order to advise you on lending criteria property laws and help you with the customs of property buying in the area. International Mortgages An increasing number of professionals of all nationalities have been moving and working abroad in the last decade. Weather you are executive or a high net worth individual with a diversified portfolio of global assests you will have specific financial requirments and objectives. Offshore financial products and services can help you achieve financial security and provide you with the quality of life you require as an expatriate or international investor. that either you or your mortgage specialist is fluent in the language of the country that you are buying in International Mortgages ABOUT CHARTERCROSS Working globally Chartercross help international clients and expatriates select products designed to meet their specific needs for insurance investment education savings and retirement planning. For the past decade our undivided focus has been on the provison of professional unbiased and specialist financial advice to our clients. As Chartercross are an independent firm of Wealth Managers who are not tied to any individual life company our fully qualified Wealth Managers are able to assess each Clients needs on an individual basis and provide personally tailored financial solutions. To find out more about international mortgages insurance or money exchange services please contact us on infochartercross.com The advice we provide is free and without obligation. All opinions expressed in this Guide constitute the authors own judgment as of the date of the Guide. Please note that as we have only indicated the general position and whilst every effort has been made to ensure the accuracy of the information we can accept no responsibility for any act or failure to act based upon its content. The views expressed herein are purely those of Chartercross employees and are not to be construed as advice. This material is for information purposes only and does not contain and should not be construed as containing investment advice or an investment recommendation or an offer of or solicitation for a transaction in any financial instrument. Always seek independent financial advice before investing in any product. The information provided and contained in this brochure are believed to reliable but are subject to change without notice and Chartercross makes no representation as to the completeness or accuracy of the information or of any opinions expressed.