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Special Deferred Mortgage 

 Special Deferred Mortgage 

 

If you have decided to buy new property or undertake significant building works, a UCB Special Deferred Mortgage is one of the capital repayment mortgage solutions that we can offer you. It will enable you to optimise your financial flow allowing you, for instance, to pay virtually nothing for a period of up to 36 months, by which time the property should be ready for occupation! You can choose between deferment of capital only or total deferment which also includes the interest. In the case of a rental investment (VEFA only, meaning acquisition of a property to be built, off-plan) deferment is also possible so that the first repayment can coincide with the collection of the first rent.

Plus point

  • The term of this mortgage is from 7 to 30 years.
  • You can borrow up to 85% of the property value.
  • You can make early capital repayments at any time.

Advantages:

  • A discount rate is applicable throughout the duration of the deferred period (1 to 36 months) and for the following first 3 months during which you will be paying off the capital, (4 to 39 months minimum fixed rate period guaranteed). It’s up to you to choose the duration of the deferred period.
  • You can modify your monthly repayments(*).
  • Optimise your financial flow by matching your mortgage repayments with rental income (VEFA only).





BNP Paribas International Buyers - Our Difference:

  • We are the only specialist mortgage lender that lets you benefit from 36 months deferment instead of the usual 24 months practised by others.
  • If your property is completed ahead of schedule, or for any other reason, you can start reimbursing capital earlier.
  • Deferred payment period  up to 36 months applicable on every mortgage product.





(*) Subject to conditions. Please contact your Mortgage Adviser for further information.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.
 

BNP Paribas International Buyers is a business line of BNP Paribas Personal Finance.
BNP Paribas Personal Finance - Credit institution – Société Anonyme incorporated under French law with a share capital of 435 903 804 euros - 542 097 902 RCS Paris -
Head office: 1 bd Haussmann, 75009 PARIS Insurance Intermediary (N° ORIAS : 07 023 128) Insurer(s): CNP Assurances and CNP IAM