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When I first posted to this forum I thought it was like the heading says...

Quote - Creative Real Estate Financing - There are other ways to finance a property than the standard mortgage. Let's get creative people!

I thought that mentioning the idea of an off shore mortgage might be creative but may just be a little outsite the box. Looks like it is for some. It is something that we at 2 percent mortgage dot com only got the go ahead for from Lloyds early this year.

When I came on board a few weeks ago my background, internet marketing/website design and administration, lead me to thinking that introducing the concept through appropriate forums, to get the ball rolling, might be one way to go. I would love to promote in a bigger way but I don't have the 'biggerpockets' needed just yet. Will get there though. We have all got to start some where... and besides, it has gotten us all thinking right? Oh, and yeah, I am fast getting to the point where I will not have time to post in forums as it's taking off so fast. More applications filed with Lloyds today!

It's been intresting being here though. I appreciate the cynicism, the skepticism... helps to clarify what is working and what is not.

Sushi.... bring it on! The smell, the taste, it's got to be the best food on the planet. I'm into it everytime... you should be too!!

Thanks guys!

Thanks for all the great questions. I don't have time this morning to answer all that has been raised in this forum but would encourage you all to visit the site ...
We have done some upgrading and now have an extensive Knowledgebase that will answer most of the common questions.

Kind regards

Hi guys,

No, really, healthy scepticism is a good thing, just don't let it prevent you from investigating something further to see if it is in fact true. I could say it is true - mortgage and refinancing at 2% - but that will not make it so.

What I would ask you to do is look into it a bit further for yourselves and don't just base your opinion on the limited information I can make available here. Or even on just that provided on the website.

Please note some things on the website you may have missed. All our contact information is freely available on the contact page. Phone number, physical and postal address, email address and you will also find our Licensing and contractural details that allow us to represent Lloyds TSB. Lloyds TSB is one of the biggest and most respected and trusted banks in the world.

Here are some details:

Lloyds TSB Group plc
Lloyds TSB Bank plc is part of a financial services group that has been a trusted name in banking since 1765.

Today, Lloyds TSB Bank plc is one of the world's largest banks with assets of over GBP252 billion and more than 70,000 employees around the world.

The Lloyds TSB Group provides a wide range of domestic and international banking services to personal and commercial customers, including:
Retail banking
Insurance
Wholesale banking
Unit trusts and investment management
Consumer credit and card services

Key Facts and Figures
Lloyds TSB Group at a glance

Total assets £252 billion
Total number of customers Over 15 million
Number of employees Over 70,000
Total capital ratio 11.3%
Lloyds TSB Bank plc deposit credit rating (Moody's) AAA
Lloyds TSB Group plc long-term rating (Fitch IBCA) AA+
UK ranking (home insurance) 1st
UK ranking (current accounts) 1st
UK ranking (mortgage lending) 3rd

Lloyds TSB Asia
Lloyds TSB has been present in Asia since the 1970s with offices in Hong Kong, Singapore and Malaysia. Our areas of expertise include:
Overseas Property Finance
Investment Services
Multi-currency Deposits
Offshore Banking Services

Please feel free to check our legitimacy with Lloyds.

Again, I would encourage you to also look at the financial business scene in Japan to understand how we are able to offer a yen based loan at such low rates of interest. You can do this by some simple research. Follow links to sites on the subject (independent sites) from our research page (see sig):

And in conclusion, it should be noted that we are all living in 'a global village' now. Business is being done all over the globe now almost as if we all lived in the same city. The internet, phone and satellite communications, modern airlines reducing travel times and distances to what can sometimes amount to a long daily commute, it all helps to make the world a smaller place and enables us to do business globally not just locally. I myself have been living in Tokyo, Japan and Brisbane, Australia, commuting between the 2 for the last 7 plus years. I have lived and worked in England, New Zealand, Hawaii, Japan and Australia.

The question in the end is: do we want to stay in the 'boat' or step out and discover there is more opportunity out there than we could possibly imagine.

While I have not invested in Dubai I work with Tokyo Capital One who can provide finance to anyone interested in purchasing in Dubai. As we are dealing with off shore mortgages through Lloyds TSB we are able to offer a very unique loan. Visit our site if you are interested in knowing more.

Have a great day and continue to prosper.

Why can we offer such low rates? We are offering mortgages from a yen-based United Kingdom AAA rated bank (LloydsTSB, since 1765) for purchasing or re-financing residential properties in the pre-qualified areas. Japan offers the lowest mortgage rates of any nation in the world. Why? Because the Japanese government's lending rate is so incredibly low. That's it, nothing more.

Take a look at these lending rates: US 6.04%, New Zealand 8.7%, Dubai 9.02%, UK 6.4%, Australia 7.33% and Japan 1.92%
The Bank of Japan (Similar to the US Federal Reserve) lends money to banks at around the .5% mark, the lending bank places 1% to 1.5% on top of that for their own profit for the risk of lending it to you. That is how you arrive at the 1.5% - 2% rates.

In America the Federal Reserve controls inflation by raising or lowering the borrowing rate. Today they'll lend the banks money at around the 5% mark, then the US banks place their profits of 1% to 1.5% on top of that as do all other banks around the world for the risk of lending it to you. That is how you end up with a 6% - 6.5% rate today.

If a US lender is offering 1% mortgages, its only because they are deferring the other 4% plus to a balloon payment down the road 1 year or 3 years later, which sounds good up front but will cause an estimated 1.7 million foreclosures in 2007 because of these sneaky (but legal) loan practices.

We have found a way to bring Japan's financial stability and low financing to the rest of the world. We are responsible for all the legwork, all pre-loan information and sifting out of qualified clients falls to us. Lloyd TSB's representatives will only talk to clients after the loan application has been accepted and an official offer is on the table.

Certainly will keep you posted as other states and regions open.

Wow! Oh, and I'm sorry that as of today we only have the qualified areas that are listed on our site, however, every American including those in the states you mention can use this program to buy or refinance properties in every qualified area. So as their properties go up in value, they can pull out their equity and invest it in these other areas. Which is better for them, because they won't try to play landlord when the properties are to far away, as a professional management company will take care of their new properties.

Properties in Vancouver Washington have been going up 22% for the last 5 years straight and Southern California have kept rising at about the 20% rate for 8 years straight, both are great areas for everyone in America and the rest of the world to think about buying properties through us.

If you were able to choose from a range of investment mortgages... from those that are currently available in your local market and one that is available to you at 2%, which would you choose?

Greetings to everyone - from Graham, here in Tokyo, Japan. Just joined the forum and looking forward to getting to know everyone.

I am interested in connecting with anyone interested in real estate investment and those interested in gaining access to creative investment mortgage sources with very low interest rates.

Also, if anyone knows of other great forums out there to join, please let me know.

Have a great day!

Graham

PS: Wonder what Yoroshiku means.... well it's Japanese for "How do you do?" but comes with the added nuance that you would grant favour, be kind to.