At Rossbank we strive to offer the best overseas mortgage solutions on the market. The following are a list of the products available to our clients:


Fixed Rate Mortgage

Keep your monthly payments the same with a Fixed Rate mortgage from Rossbank. You'll have the comfort of knowing how much your repayments will be for the life of the loan, so you won't be affected by interest rate volatility


Variable Rate Mortgages

This mortgage offers a discounted rate which is fixed for the first year. On each anniversary your interest rate and monthly payments will be recalculated based on the 12 month Euribor rate plus a margin and fixed for the following year. This process will be repeated on an annual basis. You will have the ability to change your mortgage to a Fixed Rate mortgage on any anniversary with 1 month’s prior notice.


Capped Variable Rate Mortgage

A Capped rate mortgage works in a similar way to a variable rate mortgage, but with a limit or 'cap' on how high the interest rate can go and no limit to how low it can go. It's based on twelve month EURIBOR + a margin and is reviewed annually.


Equity Withdrawal Mortgage

If you already own a property outright in France you could release funds for specific purposes with an Equity Withdrawal mortgage. The maximum loan amount is 50% of the value of your property. A valuation will be required for all applications but we can organise that for you.


Interest Only Mortgages

You can have an Interest only mortgage, for up to 10 years, for purchases only. Your mortgage will need to be repaid in full after this period or you can opt for a further 10 year repayment option. A valuation will be required for all applications.


Remortgage

A Euro Mortgage has its advantages. For example, the mortgage is secured on your property abroad, so it doesn't increase any current borrowings at home. It also allows you to borrow in the same currency as your property was purchased and often has lower interest rates than a mortgage at home.

Call our qualified overseas mortgage advisors on: