September 9, 2008 Make it happen Offshore finance Dan Carpenter and Jimmy Hendey, BDM, RBS International The RBS Intermediary Roadshow

2 The International Mortgage Market

The RBS Intermediary Roadshow 3 RBS International Mortgages for UK properties Homes to live in, buy to let investments and equity release finance wherever you are in the world Intermediary and Specialist Lending Unit

The RBS Intermediary Roadshow 4 What is our market? We provide offshore mortgages, Buy to Let and Residential, for properties in the UK. In 2007, foreign investors accounted for 37% of property sales in Prime London for property values between £1 - £2m. (31% for value below £1m) 77% of Prime London rentals are non-UK nationals.

The RBS Intermediary Roadshow 5 1.Dubai national and resident looking to purchase a buy to let property in the UK. 2.German national living in the UK looking to purchase a main residence in London. 3.BVI Ltd Company “SPV” looking to purchase a number of UK properties. Who are our clients?

The RBS Intermediary Roadshow 6 Base rate tracker - 3 years. Fixed rates – 2 & 3 year. Multi currency also available. GBP, EUR, JPY, CHF & USD. Interest only – 20 years max (5 years for residential). Capital and Interest – 25 years max. What are our products?

The RBS Intermediary Roadshow 7 Dedicated BDM One point of contact throughout mortgage process. BDM manages all cases from beginning to end 2 day approval process What’s in it for you? 50% of arrangement fee. Why choose us?

The RBS Intermediary Roadshow 8 Dan Carpenter Dan Carpenter Team – Team – Direct Dial – Direct Dial – Mobile – Mobile – – – Website - Website - How to contact us

The RBS Intermediary Roadshow 9 UK Buyers Overseas Property Purchases in 2007 Spain is still the No. 1 destination Spain is a buyers market –Choice –Discounts available –Prices negotiable Spain is winning everything!! –Euro 2008 –Wimbledon

The RBS Intermediary Roadshow 10 What the papers say...

The RBS Intermediary Roadshow 11 What the papers say...

The RBS Intermediary Roadshow 12 Mortgage lending in Mainland Spain, The Canary and Balearic Islands Purchases – Resale/Off Plan Remortgage – From other lenders Equity Release – unencumbered Self-build – Building your own What is our market?

The RBS Intermediary Roadshow 13  Interest rates in Euro  Mortgage Term – up to 25 years  Maximum Age – 70 years old  LTV – up to 60/65%  Based on affordability  Documents produced in English What is our product?

The RBS Intermediary Roadshow 14  A name you know and trust  UK based BDM’s  Spanish Mortgage Helpline  Website  Bi-lingual staff  Help is at hand Why choose us?

The RBS Intermediary Roadshow 15 Introducers Fees – 40% of the arrangement fee taken (usually 1%) Cross sale opportunities –Remortgage for the deposit and costs –Offset Mortgages for Off Plan Purchases –Life Assurance –IHT Planning –Spanish Home Insurance –Investment Advice What’s in it for you?

The RBS Intermediary Roadshow 16 Jimmy Hendey Mobile: Gibraltar: Website: natwestinternational.com/spain How to contact us?