Place 4U operates in the following countries:

Anguilla	Antigua	Australia
Barbados	Bahamas	Belize
Bulgaria	Canada	Cape Verde
Cayman Islands	Cyprus	Dominica
Germany	Spain	France
Grenada	Hungary	Jamaica
Malaysia	Mexico	Morocco
Netherlands Antilles	New Zealand	Hong Kong
Italy	Panama	Portugal
Singapore	South Africa	St Kitts
St Lucia	St Vincent	Trinidad & Tobago
Turkey	Turks & Caicos Islands	U.A.E.
U.K.	U.S.A.	British Virgin Islands

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With Low Interest Rates and Easy Repayments
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We Can Now get you a Mortgage Loan of up to 7 times your income Get Cash Back on Your Survey Fee and Solicitors Fee

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At a glance:

	Mortgage	Refinance	Equity Release	Buy to Let
Maximum Loan to value	80%	70%	40%	N/A
Maximum Interest only period	5 years	2 years	0	N/A
Maximum Term	30 years	30 years	30 years	N/A
Maximum Age on completion	80	80	70	N/A
Average interest rates	3.7%	3.7%	3.7%	N/A
Average monthly price per thousand	4.10	4.10	4.10	N/A

Process:
Portuguese banks are among the most competitive in Europe and offer very favorable interest rates and loan to value ratios. Approvals are only issued after the habitation licence, which may occasionally be delayed in the town hall, but generally the process should take no more than 6 weeks.

Approximate timelines (weekends not included):

1.	Approval in principle	Instant
2.	Final licences	Day 1
3.	Property registration details	Day 1
4.	Application (receipt of documents)	Day 1
5.	Power of attorney	Day 1
6.	Confirmation of approval in principle	Day 3
7.	Valuation	Day 6
8.	Formal offer	Day 10
9.	Arrange signing	Day 15
10.	Signing	Day 20
11.	Transfer of deeds	Day 20
12.	Payment to developer	Day 20
13.	Agency of service	Day 20
14.	First mortgage payment	Day 21
15.	Commission received	Day 41

Costs:

For guidance purposes, as costs vary from lender to lender:

Cost	Amount	Payable
Broker fees	800	Up front (refundable)
Application / bank fees	900	Up front (refundable)
Valuation fee	800	Up front (refundable)
Opening commissions	N/A	N/A
Registry / Notary fees	0.75% of purchase price	On signing
Agency of Service	120	Annually on signing date

Currencies:
Portuguese mortgages are available in Euros.

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