{"id":2372,"date":"2019-08-19T13:12:33","date_gmt":"2019-08-19T13:12:33","guid":{"rendered":"http:\/\/www.fpgonline.co.uk\/?p=2372"},"modified":"2019-08-19T13:19:01","modified_gmt":"2019-08-19T13:19:01","slug":"if-carlsberg-did-mortgages","status":"publish","type":"post","link":"https:\/\/www.fpgonline.co.uk\/index.php\/if-carlsberg-did-mortgages\/","title":{"rendered":"Positive Negatives – If Carlsberg Did Mortgages!"},"content":{"rendered":"
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Home owners in Denmark are currently enjoying a rather unique situation \u2013 with zero percent central bank interest rates and home loan products colliding to produce negative interest rate mortgages \u2013 meaning that a bank pays<\/em> a borrower for taking out a loan! Yes, that\u2019s right, a borrower pays back less than the amount that have been loaned!<\/p>\n

Jyske Bank, Denmark\u2019s third largest, has begun offering borrowers a 10-year deal at -0.5%, while another Danish bank, Nordea, says it will begin offering 20-year fixed-rate deals at 0% and a 30-year mortgage at 0.5%.<\/p>\n

A handful of fortunate UK borrowers enjoyed a similar situation before the 2008 global banking crisis, when some lenders offered products tracked at one or two percentage points the below base lending rate, so when the Bank of England reduced rates to 0.5 percent in 2009, home owners were quids in. But the situation in Denmark certainly raises the question as to whether we could see a similar situation returning to these shores if Brexit leads to a cut in rates once more, as some financial observers predict.<\/p>\n

Admitedly, the Danish mortgage situation has only been made possible because Denmark, as well as Sweden and Switzerland, has seen rates in money markets drop and mortgage rates flipped on their head, for example UBS last week told its wealthy Swiss clients that it would introduce a charge of 0.6% a year if they deposited more than 500.000 Euros.<\/p>\n

Unfortunately, here at The Financial Planning Group, we cannot offer our clients Danish mortgage products, however, we can provide the lowest rates currently available, for example, last week we secured several clients five-year fixed mortgages set at 1.71 percent, with the three-year equivalent set at 1.61 percent, which they were delighted to have secured.<\/p>\n

Steve Padgham, head of mortgages at The Financial Planning Group, is able to help his clients reserve low-rate mortgages that will remain available for the next six months, which provides real peace of mind. And, if better deals emerge within that period, clients can switch to those instead \u2013 it\u2019s a real no-brainer.<\/p>\n

So why not give Steve a call today 020 8614 4782, or e-mail\u00a0<\/b>steve.padgham@fpgonline.co.uk<\/b><\/a>\u00a0, and see what options are available to you?<\/b><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Home owners in Denmark are currently enjoying a rather unique situation \u2013 with zero percent central bank interest rates and home loan products colliding to produce negative interest rate mortgages \u2013 meaning that a bank pays a borrower for taking out a loan! Yes, that\u2019s right, a borrower pays back less than the amount that […]<\/p>\n","protected":false},"author":1,"featured_media":2373,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\nPositive Negatives - If Carlsberg Did Mortgages! - The Financial Planning Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fpgonline.co.uk\/index.php\/if-carlsberg-did-mortgages\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Positive Negatives - If Carlsberg Did Mortgages! - The Financial Planning Group\" \/>\n<meta property=\"og:description\" content=\"Home owners in Denmark are currently enjoying a rather unique situation \u2013 with zero percent central bank interest rates and home loan products colliding to produce negative interest rate mortgages \u2013 meaning that a bank pays a borrower for taking out a loan! 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