Assetz Finance Overseas Investment Mortgage Calculator

To go straight to the Investment / Mortgage calculator click here (please be aware that in order to use the calculator successfully you will need to read all of the below text before first use).

The Investment / Mortgage calculator enables Assetz Finance clients to get a feel for their investment, calculating how much cash is required and what return they can expect. The calculator gives approximate monthly mortgage repayments given that an overseas mortgage solution is used to finance the investment and that the deposit on the purchase is funded via cash savings rather than a UK loan/re-mortgage.

You will need to know the expected purchase/legal costs, expected net rental income and expected capital growth for the area you are purchasing in, one of our International Property Consultants will be able to assist you compile this information (contact them on 0845 400 6000).

You will also need to know the percentage of deposit that you will be required to pay which will be determined by the mortgage amount that would be available to you in your country of purchase. In addition, you will need to know the mortgage term and interest rate that you are likely to be offered by a lender in your country of purchase. All of these factors vary depending on your personal and financial situation and therefore you should ask your personal Finance Consultant to give you these elements (call them on 0845 400 8000).

In some countries the deposit, mortgage and return will be affected if the property is a pure buy-to-let investment (and a Leaseback scheme in France). Therefore, if you are purchasing a property as a pure investment (with no personal use of the property at all) you should contact an Assetz Finance consultant to check that the below calculator is applicable in your case.

This Investment / Mortgage calculator is intended for general use only. For a personalised investment projection, please do not hesitate to Contact Us or Call our local rate number 0845-400-8000.

Country of Purchase : AustraliaBulgariaCanadaCyprusFranceGermanyGreeceIndiaItalyMaltaMoroccoNew ZealandPolandPortugalSpainSwitzerlandTurkeyUnited States Type of Property : Off-plan property Existing property Purchase Price : Deposit: 0 % 10 % 15 % 20 % 25 % 30 % 35 % 40 % 45 % 50 % 55 % 60 % 65 % 70 % 75 % 80 % 85 % 90 % 95 % Interest rate %: Term (years): 10 years 15 years 20 years 25 years Net rental income after all costs except mortgage %: Expected Purchase / Legal Costs : % Expected capital growth %: Expected Required Deposit ( depending on your circumstances ) : Purchase / Legal Costs : Total cash required to purchase Total cash required to purchase net of any applicable rebates 1 : Rental income monthly : Cash flow on a capital re-payment basis: Monthly mortgage payment (includes capital repayment) :2 Monthly Cash flow year one (includes capital repayment) : Cash flow on an interest only basis: Monthly mortgage payment (interest only if available) :2 Monthly Cash flow year one (interest only if available) : Capital growth and cash return: Capital growth expected in the first year: Return on net cash invested from rental income % : ( in the first year )3 Return on net cash invested from capital growth % : ( in the first year )3 Total return on net cash invested % : ( in the first year )3 1 Some rental properties in France and Spain are able to claim a rebate of taxes paid on the purchase (this rebate is normally 19.6% on French properties and up to 4.9% on Spanish properties). 2this figure is for mortgage payment only, it does not include any compulsory life insurance cover or buildings and contents insurance cover. In France for example, life insurance cover is mandatory. Our French Mortgage team are happy to provide quotes for the likely charge for the French life insurance cover that you will need. Call them on 0845 400 8000. 3the net cash invested figure does not include any legal/purchase costs. Please do not hesitate to contact us (email us or call on 0845 400 8000) in order to be allocated your own personal mortgage consultant who will calculate your budget, required deposit and expected monthly repayments for you on a personal basis given your individual circumstances and requirements. The Assetz Investment / Mortgage Calculator is for informational purposes only, calculations are simplified for easy understanding. For a personalised investment projection please contact us.