• No results found

Tel: +44 (0) Website:

N/A
N/A
Protected

Academic year: 2021

Share "Tel: +44 (0) Website:"

Copied!
13
0
0

Loading.... (view fulltext now)

Full text

(1)
(2)

where to start?

Here at Connect Overseas we can help you earn money by simply promoting an international

mortgage service to your clients.

We offer a number of free web tools and email templates that will help you generate

enquiries.

You can then choose to either deal with these enquiries yourself or refer them on to us to

contact on your behalf.

You will then earn between 25% and 100% of the case commission depending on how you

choose to work with us.

As part of our service you will also be able to access a unique international mortgage sourcing system that will

enable you to:

Deal direct with international mortgage lenders.

Access mortgage products & providers in over 30 different countries.

Use a variety of application options to suit your own experience and business needs.

Track the progress of your mortgage applications online.

Typically earn around £2,500 from just one £150,000 mortgage.

If you would like to find out more about our service, discuss a particular case or request a free demonstration of the

sourcing system please contact us by phone on 01708 676121 or by email at

[email protected]

(3)

Abu Dhabi

Anguilla

Anguilla

Antigua

Antigua

Aruba

Aruba

3.99%

3.744%

4.017%

3.244%

3.517%

4.480%

5.520%

Loan term

Loan term

Loan term

Loan term

Loan term

Loan term

2 Years

Variable

Tracker

Tracker

Tracker

Tracker

Variable

Fixed

AED

USD

GBP

USD

GBP

USD

USD

70%

60%

60%

60%

60%

70%

70%

2%

1%

1%

1%

1%

1%

1%

Loan Term

None

None

None

None

None

2 years

Loans start from 100,001 EUR PURCHASE: Residential, Holiday/second home, New build, Leasebacks, Purchase and renovation. REMORTGAGE: Residential remortgage. Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build, Land purchase, Self build, Bridging loan, Purchase and renovation. REMORTGAGE: Unencumbered properties only Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build, Land purchase, Self build, Bridging loan, Purchase and renovation. REMORTGAGE: Unencumbered properties only Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build with Stage payments, Land purchase, Self build. REMORTGAGE: None. Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build with Stage payments, Land purchase, Self build. REMORTGAGE: None. Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build, Land purchase, Self build. REMORTGAGE: Unencumbered, Equity release (Home improvements only). Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build, Land purchase, Self build. REMORTGAGE: Unencumbered, Equity release (Home improvements only). Capital and

Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

101971 *Variable *Low rate *High LTV

101004 *Tracker *Low rate

101005 *Tracker *Low rate *UK payments

10934 *Tracker *Low rate

10935 *Tracker *UK payments

101013 *Variable *Low rate *High LTV

101015 *Fixed *High LTV

(4)

Australia

Bahamas

Barbados

Barbados

Bonaire

British Virgin Islands

6.95%

6.250%

3.744%

4.017%

4.480%

3.744%

Loan term

Loan term

Loan term

Loan term

Loan term

Loan term

Variable

Tracker

Tracker

Tracker

Variable

Tracker AUD

USD

USD

GBP

USD

USD

80%

65%

65%

65%

70%

70%

1,000 HKD + 0.5%

1%

1%

1%

1%

1%

2 Years

None

None

None

None

None

Loans start from 250,000 AUD PURCHASE: Holiday/Second home, Property Lets, New build. REMORTGAGE: Like for like.

Capital and Interest or Interest Only

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

101368 *Variable *High LTV *Purchase & Remortgage

101721 *Tracker *High LTV

10968 *Tracker *Low Rate *High LTV

10969 *Tracker *Low Rate *High LTV *UK payments

101028 *Variable *Low Rate *High LTV

10975 *Tracker *Low Rate *High LTV *Purchase & Remortgage Loans start from 250,000 USD

PURCHASE: Residential, Holiday/Second home, New build with Stage payments, Land purchase, Self build, Bridging loan, Purchase and renovation. REMORTGAGE: Equity release (Home improvement), Unencumbered properties.

Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build with Stage payments, Land purchase, Self build, Bridging loan, Purchase and renovation. REMORTGAGE: Equity release (Home improvement), Unencumbered properties.

Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build with Stage payments, Land purchase, Self build, Bridging loan, Purchase and renovation. REMORTGAGE: Equity release (Home improvement), Unencumbered properties.

Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build, Land purchase, Self build. REMORTGAGE: Equity release (Home improvement), Unencumbered properties. Loans start from 250,000 USD PURCHASE: Holiday/Second home, Residential, New build with Stage payments, Land purchase, Self build, Bridging loan, Purchase and renovation. REMORTGAGE: Residential, Equity release (Home improvement), Unencumbered.

(5)

Cayman Islands

Cayman Islands

Curacao

Curacao

Dominican Republic

Dubai

3.517%

5.5%

4.480%

5.520%

8.000%

3.99%

Loan term

2 Years

Loan term

2 Years

1 Year

Loan term

Tracker

Fixed

Variable

Fixed

Fixed

Variable GBP

USD

USD

USD

USD

AED

70%

70%

70%

70%

70%

70%

1%

1%

1%

1%

None

2%

2 Years

2 Years

None

2 Years

None

Loan term

Loans start from 350,000 USD PURCHASE: Holiday/Second home, Residential, New builds with Stage payments, Land purchase, Self builds, Bridging loans, Purchase and renovation. REMORTGAGE: Residential, Equity release (Home improvements only), Unencumbered.

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

10983 *Tracker *Low Rate *Purchase & Remortgage *UK payments

10986 *Fixed *Low Rate *High LTV *Purchase & Remortgage

101049 *Variable *Low Rate *High LTV

101230 *Fixed *Low Rate *High LTV

101096 *Fixed *High LTV *Small loans

101990 *Variable *Low Rate *High LTV Loan start from 350,000 USD

PURCHASE: Holiday/Second home, Residential, New builds with Stage repayments, Land purchase, Self builds, Bridging loans, Purchase and Renovation.

REMORTGAGE: Residential, Equity release (Home improvements only), Unencumbered.

Loans start from 250,000 USD PURCHASE: Holiday/Second home, Residential, New build, Land purchase, Self build. REMORTGAGE: Equity release (Home improvement), Unencumbered.

Loans start from 250,000 USD PURCHASE: Holiday/Second home, Residential, New build, Land purchase, Self build. REMORTGAGE: Equity release (Home improvement), Unencumbered.

Loans start from 30,000 USD PURCHASE: Holiday/Second home, Residential, New build, Purchase and Renovation. REMORTGAGE: None.

Loans start from 250,000 AED PURCHASE: Residential, Holiday Home and Property let. REMORTGAGE: None.

(6)

France

France

France

France

France

France

2.10%

2.15%

2.50%

2.65%

3.05% (Cap5.05%)

3.45%

10 Years

Loan term

25 Years

5 Years

7 Years

7-14 Years

Variable

Variable

Variable

Fixed

Capped Variable

Variable EUR

EUR

EUR

EUR

EUR

EUR

80%

75%

80%

75%

85%

75%

1%

1%

1%

1%

1%

1500 EUR 1 Year

None

1 Year

Loan term

None

None

Loans start from 100,000 EUR PURCHASE: Residential, Holiday/Second home, New build, Leasebacks, Purchase and Renovation.

REMORTGAGE: Residential remortgage.

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Interest Only

101948 *Fixed *Low Rate *Purchase & Remortgage

*High LTV *Free Val

101936 *Variable *Low Rate *Purchase & Remortgage

*High LTV *Free Val

101950 *Variable *Small loan

*Low Rate *Purchase & Remortgage

*High LTV *Free Val

101960 *Fixed *Low Rate *Purchase & Remortgage

*High LTV *Free Val

102024 *Capped *Low Rate *Purchase *High LTV Free Val

101196 *Variable *Low Rate *Purchase *Interest only

*High LTV *Free Val Loans start from 100,000 EUR

PURCHASE: Residential properties, Holiday/Second homes, Property lets, New build, Purchase and Renovation REMORTGAGE: Residential properties, Holiday/Second homes, Property lets.

Loans available between 50,000 and 100,000 EUR

PURCHASE: Residential, Holiday/Second home, New build, Leasebacks, Purchase and Renovation.

REMORTGAGE: Residential remortgage.

Loans start from 100,001 EUR PURCHASE: Residential properties, Holiday/Second homes, Property lets, New build, Purchase and renovation REMORTGAGE: Residential properties, Holiday/Second homes, Property lets.

Loans available between 100,000 and 300,000 EUR PURCHASE: Residential, Holiday/Second home, Property let, Self build, Purchase and Renovation, Leaseback. REMORTGAGE: None.

Loans available between 100,000 and 500,000 EUR PURCHASE: Residential, Holiday/Second home, Property let, Self build, Purchase and Renovation, Leaseback. REMORTGAGE: None.

(7)

France

Hong Kong

Hungary

India

India

Ireland

3.75%

1.85%

11.350%

8.75%

11.250%

5.95%

25 Years

Loan term

3 Years

Loan term

3 Years

Loan term Fixed

Variable

Fixed

Variable

Fixed

Variable EUR

HKD

HUF

INR

INR

EUR

80%

50%

75%

80%

80%

50%

1%

1000 HKD + 0.5%

Up to 2%

1.1%

11.236 INR

1%

Loan term

2 Years

5 Years

Loan term

3 Years

None

Loans start from 100,001 EUR PURCHASE: Residential, Holiday/Second home, New build, Leasebacks, Purchase and Renovation.

REMORTGAGE: Residential remortgage.

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

101854 *Fixed *Low Rate *Purchase & Remortgage

*High LTV *Free Val

101964 *Variable *Low Rate *Purchase & Remortgage

101095 *Fixed *Purchase

101135 *Variable *Purchase

*Free Val *High LTV

101869 *Variable *Purchase & Remortgage

*High LTV

000021 *Variable *Purchase & Remortgage

*High LTV Standard loans start form

1,000,000 HKD PURCHASE: Residential, Property lets, New builds and Bridging finance.

REMORTGAGE: Residential, Property lets, New builds and Bridging finance.

Loans start from 1,000,000 HUF PURCHASE: Holiday/Second home, Residential, New build, Land purchase, Self build, Purchase and Renovation. REMORTGAGE: None.

Loans up to 20 million LAKH PURCHASE: Holiday/Second home, Residential, New build with Stage payments, Land purchase, Self build. REMORTGAGE: None.

Loans of any size considered PURCHASE: Residential, New build, Land purchase, Self build, Purchase and Renovation. REMORTGAGE: Like for like remortgage only.

Loans start from 75,000 EUR PURCHASE: Holiday/Second home, Self build, Purchase and Renovation.

REMORTGAGE: Holiday/Second home standard remortgage.

(8)

Ireland

Italy

Jamaica

Jamaica

Jamaica

Malta

6.05%

3.3% (Cap 5.3%)

5.517%

5.517%

5.660%

3.775%

2 Years

7 Years

Loan term

Loan term

2 Years

Loan term Fixed

Capped

Tracker

Tracker

Fixed

Variable EUR

EUR

USD

GBP

USD

EUR

50%

80%

60%

60%

60%

60%

1%

1%

1%

1%

1%

0.3%

2 Years

None

None

None

2 Years

3 Years

Loans start from 75,000 EUR PURCHASE: Holiday/Second home, Self build, Purchase and Renovation.

REMORTGAGE: Holiday/Second home standard remortgage. Capital and

Equity

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

200003 *Fixed *Purchase & Remortgage

101920 *Tracker

10989 *Tracker

10990 *Tracker *UK Payments

10993 *Fixed

101511 *Variable *Low Rate *Low fees *Small loans *Purchase & Remortgage Loans start from 250,000 EUR

PURCHASE: Residential, Holiday/Second home, New build.

REMORTGAGE: None.

Loans start from 250,000 USD PURCHASE: Holiday/Second home, Residential, New build, Land purchase, Self build, Bridging loan, Purchase and Renovation.

REMORTGAGE: Unencumbered properties only.

Loans start from 250,000 USD PURCHASE: Holiday/Second home, Residential, New build, Land purchase, Self build, Bridging loan, Purchase and Renovation.

REMORTGAGE: Unencumbered properties only.

Loans start from 250,000 USD PURCHASE: Holiday/Second home, Residential, New build, Land purchase, Self build, Bridging loan, Purchase an Renovation.

REMORTGAGE: Unencumbered properties only.

Loans between 1 EUR and 120,000 EUR

PURCHASE: Holiday/Second home, Residential, New build, Self build, Purchase and Renovation.

(9)

Morocco

Portugal

Portugal

Portugal

Ras Al Khaimer

Romania

5.070%

5.79%

7.14%

7.099%

3.99%

5.750%

Loan term

Loan term

Loan term

2 Years

Loan term

Loan term

Variable

Variable

Variable

Fixed

Variable

Variable MAD

GBP

EUR

EUR

AED

EUR

50%

65%

80%

80%

70%

75%

0.5% - 2.5%

0.5% + 500 GBP

780 EUR

780 EUR

2%

1% + 1050 EUR

Loan term

2 Years

Loan term

Loan term

Loan term

None

Loans start from 70,000 MAD PURCHASE: Holiday/Second home, Residential, New build. REMORTGAGE: None. Capital and

Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

10945 *Variable *Purchase

*High LTV

101730 *Variable *Purchase & Remortgage *UK payments

101720 *Variable *Low fees *Purchase

101881 *Fixed *Purchase

101990 *Variable *Low Rate *High LTV

101801 *Variable *High LTV *Small loan

*Purchase Loans start from 100,000 GBP

PURCHASE: Residential, New build with Stage payments, only available when full planning is available. Land purchase, Self build, Purchase and Renovation.

REMORTGAGE: Residential, Holiday/Second home.

Loans start from 250,001 EUR PURCHASE: Residential, Holiday/Second home, Construction and Renovation. REMORTGAGE: None.

Loans available between 50,000 to 150,000 EUR

PURCHASE: Residential, Holiday/Second home, Construction and Renovation. REMORTGAGE: None.

Loans start from 250,000 AED PURCHASE: Residential, Holiday home and property let. REMORTGAGE: None.

Loans start from 25,000 EUR PURCHASE: Residential, Holiday/Second home. REMORTGAGE: None.

(10)

Spain

Spain

Spain

Spain

St Kitts and Nevis

St Lucia

3.725%

4.486%

4.85%

5.95%

3.744%

3.744%

Loan term

Loan term

1 Year

4 Years

Loan term

Loan term

Tracker

Tracker Residential

Fixed

Fixed

Tracker

Tracker EUR

EUR

EUR

EUR

USD

USD

60%

70%

70%

70%

60%

60%

1.5%

1%

1%

1.5%

1%

1%

None

Loan term

Loan term

Term of loan

None

None

Loans start from 100,000 EUR PURCHASE: Residential, Second/Holiday home, Buy to let, New build properties. REMORTGAGE: None. Capital and

Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

101879 *Tracker *Low Rate *Purchase

101694 *Tracker *High LTV *Small loan

*Low Rate *Purchase

101834 *Fixed *High LTV *Low Rate *Purchase

10526 *Fixed *High LTV *Small loan

*Purchase

101054 *Tracker *Low Rate

10996 *Tracker *Low Rate Loans start from 1 EUR

PURCHASE: Residential, Holiday/Second home, New build, Land purchase, Self build, Purchase and Renovation. REMORTGAGE: Equity release (Home improvements only), Unencumbered.

Loans start from 100,000 EUR PURCHASE: Residential, Holiday/Second home, New build, Land purchase, Self build, Purchase and Renovation. REMORTGAGE: Equity release (Home improvements only), Unencumbered.

Loans start from 1 EUR PURCHASE: Residential, Holiday/Second home, New build, Land purchase, Self build, Purchase and Renovation. REMORTGAGE: Equity release (Home improvements only), Unencumbered.

Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build with Stage payments, Land purchase, Self build. REMORTGAGE: None.

Loans start from 250,000 USD PURCHASE: residential, Holiday/Second home, New build with Stage payments, Land purchase, Self build. REMORTGAGE: None.

(11)

St Maarten

Thailand

Thailand

Turkey

Turkey

Turks and Caicos Islands

3.744%

6%

9.375%

6.15%

6.6%

6%

Loan term

Loan term

Loan term

Loan term

10 Years

Loan term

Tracker

Variable

Variable

Variable

Fixed

Tracker USD

USD

THB

GBP

EUR

GBP

70%

70%

50%

75%

60%

70%

1%

1%

3.5%

1.5% + 295 GBP

3%

1%

None

Loan term

None

3 Years

Loan term

None

Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home, New build with Stage payments, Land purchase, Self build. REMORTGAGE: None. Capital and

Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

Capital and Interest

101061 *Tracker *Low Rate *High LTV

101970 *Variable *Purchase

*High LTV

101876 *Variable *Remortgage

101214 *Variable *Purchase *Small loan *UK payments

10868 *Fixed *Purchase & Remortgage *Small loan

101069 *Tracker *Purchase & Remortgage

*Low Rate *High LTV Loans from 2,500,000 THB

Finance available on

condominium properties only. On Condominium properties only. PURCHASE: Residential, Holiday/Second home, New build.

REMORTGAGE: None.

Loans from 1,000,000 THB Finance available on

condominium properties only. On Condominium properties only. PURCHASE: None. REMORTGAGE: Residential, Holiday/Second home.

Loans start from 23,000 GBP PURCHASE: Residential, Holiday/Second home, New build.

REMORTGAGE: None.

Loans start from 25,000 EUR PURCHASE: Holiday/Second home, Residential.

REMORTGAGE: Equity release, Unencumbered properties.

Loans start from 250,000 USD PURCHASE: Residential, Holiday/Second home,New build, Land purchase, Self build, Bridging loan.

REMORTGAGE: Unencumbered only.

(12)

United Kingdom

United Kingdom

United Kingdom

United Kingdom

United Kingdom

United Kingdom

3.29%

3.88%

3.94%

4.430%

5.08%

5.14%

29/01/16

Loan term

29/01/16

29/01/16

5 Years

29/01/16

Tracker

Tracker

Fixed

Tracker

Fixed

Fixed

GBP

GBP

GBP

GBP

GBP

GBP

70%

75%

80%

60%

75%

75%

0.75%

£1895

0.75%

1%

2.5%

1%

29/01/16

1 Year

29/01/16

31/07/15

3 Years

29/01/16

Loans start from 100,000 GBP FOREIGN NATIONALS & EXPATS PURCHASE: Residential only. REMORTGAGE: None. Capital and

Interest to Interest Only

Capital and Interest

Capital and Interest or Interest Only

Capital and Interest or Interest Only

Capital and Interest or Interest only

Capital and Interest or Interest Only

101836 *Tracker *Low Rate *Purchase *High LTV *UK payments

101903 *Tracker *Low Rate *Small loan

*Purchase *High LTV *UK payments

101835 *Fixed *Low Rate *Purchase *High LTV *UK payments

101822 *Tracker *Low Rate *Purchase *High LTV *UK payments

102016 *Fixed *Low Rate *Purchase *High LTV *UK payments

101824 *Fixed *Purchase

*High LTV *UK payments Loans start from 35,000 GBP

FOREIGN NATIONALS & EXPATS PURCHASE: Property let only. REMORTGAGE: None.

Loans start from 100,000 GBP FOREIGN NATIONALS & EXPATS PURCHASE: Residents only. REMORTGAGE: None.

Loans start from 100,000 GBP FOREIGN NATIONALS & EXPATS PURCHASE: Buy to let only. REMORTGAGE: None.

Loans between 50,000 to 500,000 GBP

EXPATS ONLY

PURCHASE: Buy to let only. REMORTGAGE: Buy to let only.

Loans start from 100,000 GBP FOREIGN NATIONALS & EXPATS PURCHASE: Buy to let only. REMORTGAGE: None.

USA 4% 15 Years Fixed USD 70% Up to 2%

+ 1345 USD

None Capital and

Interest 101824

*Fixed *Purchase *High LTV *UK payments Loans start from 50,000 USD

PURCHASE: Residential, Holiday/Second home. REMORTGAGE: Residential

(13)

USA

USA

4.000%

4.875%

3 Years

30 Years

Fixed

Fixed

USD

USD

50%

75%

Up to 2% + 1345

USD

Up to 2% + 1345

USD

None

None

Loans start from 100,000 USD PURCHASE: Investment properties and property lets. REMORTGAGE: Like for like remortgage only for Investment properties and Property lets. Capital and

Interest

Capital and Interest

102031 *Fixed *Low Rate

*Free Val *Purchase & Remortgage

191930 *Fixed *Low Rate

*Free Val *Purchase & Remortgage Loans start from 50,000 USD

PURCHASE: Residential, Holiday/Second home. REMORTGAGE: Residential, Holiday/Second home, Like for like remortgage only.

About this document:

This guide was created to provide information on selected mortgage products available through our international mortgage

service. This document was created on 14th October 2013 and whilst we have tried to ensure that the information is accurate, we do not accept

any liability for any errors or omissions. If you are in any doubt as to the accuracy of the information within this document, please do not

hesitate to contact us.

Connect Overseas has been operating for over 8 years now and has become a key player in the

international mortgage market. Our dedicated team of experienced advisers work tirelessly to try and

provide you with the best mortgage deals available in today’s marketplace. Through our specialist

service we can help you access over 600 mortgages in more than 45 different countries. Connect

Overseas can currently secure mortgages in:

ABU DHABI, ANDORRA, ANGUILLA, ANTIGUA, ARUBA, AUSTRALIA, BAHAMAS, BARBADOS,

BONAIRE, BRITISH VIRGIN ISLANDS, BULGARIA, CARIBBEAN, CAYMAN ISLANDS, CHINA,

COSTA RICA, CURACAO, CZECH REPUBLIC, DOMINICAN REPUBLIC, DUBAI, FRANCE, GERMANY,

GIBRALTER, HONG KONG, HUNGARY, INDIA, IRELAND, ISRAEL, ITALY, JAMAICA, MALTA,

MOROCCO, POLAND, PORTUGAL, RAS AL KHAIMER, ROMANIA, SINGAPORE, SLOVAKIA, SOUTH

AFRICA, SPAIN, ST KITTS & NEVIS, ST LUCIA, ST MAARTEN, ST VINCENT, THAILAND, TURKS &

CAICOS ISLANDS, TURKEY, UNITED KINGDOM & USA.

About us

Our dedicated team of friendly, multi-lingual staff, offer many years of international mortgage experience and are

committed to providing you with an excellent service.

If you would like to find out more about our service or discuss a particular case please contact us.

Connect Overseas Pro

UK Tel. 01708 676121

Int Tel.

0044 1708 676121

References

Related documents

Specially Adapted Housing (SAH)/Special Home Adaptation (SHA) Grants can be used to help accommodate home, purchase adapted home,. purchase land to build home, build home on

Quick completion of a property purchase to benefit from a discounted price Bridging loans can be secured against different types of properties being residential,

Loans are made to farmers for purchase of land; refinance debts, build or modernize farm homes; construct other needed buildings; purchase livestock and equipment; pay

The increase in evacuation rate beyond 20 time steps could be attributable to almost all 200 of the agents changing their behaviour from cooperative to competitive, due to

Under this assumption it is appropriate to use the WACC method to calculate a terminal value for the firm at the target capital structure. This in turn can be decomposed into

• Upgrade or purchase your next home • Refinance your existing home loan • Build your property investment portfolio It’s important to remember this is only a guide to help you

Coast Guard photo by Petty Officer 3rd Class Patrick Kelley; page 8: © Ira Block/National Geographic Stock; page 9: © REUTERS/ Sean Gardner; page 11: image provided by Transocean

Keywords: Organic farming, organic wild culture, organic forestry, organic aquaculture, biodynamic agriculture, worldwide statistics, FiBL, IFOAM, Organics