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If you definitely need a Turkish mortgage, please do not hesitate to PRE-QUALIFY BELOW, in order to ensure a long term mortgage of up to 20 years, with interest rates in the 4% to 6.5% range, and Loan-to-Value of up to 90%.

 For certain loans you may Pre-Qualify up to 10 months in advance...

Turkish Mortgage Centre is the only organization providing mortgages from the whole market- there is no wider choice of mortgages with better terms available – and often we are able to offer special promotional or privileged terms - in other words, we guarantee you will not find a better deal anywhere else - if you provide an email of a bona fide offer from elsewhere, we will match or better it with a more competitive offer.

Turkish mortgages are different from other countries, so Turkish Mortgage Centre has designed the application process to fit the Turkish circumstances, in order to provide you the client with the highest prospects of success in the shortest time and with the least cost.

The first step in this carefully designed process is to PRE-QUALIFY, which provides the information required for our mortgage experts to advise you properly for your specific individual circumstances -and address all issues at the beginning- saving time, delays, and costs later.

In order to PRE-QUALIFY your application for a Mortgage in Turkey, please complete and submit the form below, at the bottom of this page (please scroll down).

TMC will always provide you with the cheapest, fastest, and best mortgage services possible (the 'Simple Service')- BUT it may not always be possible to do this in a simple manner that an applicant expects, based on an applicant's experience in their home country, BECAUSE...

Turkish mortgage applications are complex- anyone telling you differently, either is inexperienced and do not know them selves, or are intentionally misleading you: This is regrettable and unnecessary because Turkey offers excellent property investment returns AND superb lifestyle choices. Regrettably the overseas property market generally has very low standards of professional service and expertise, often with solicitors, finance providers, and developers working together for the sole purpose of committing the property purchaser to the purchase transaction. Rest assured, Turkish Mortgage Centre knows the market of credible agents, developers, and solicitors better than anyone, and applies the highest 'London Standards' of professional expertise that have served the worlds leading investment funds for over 25 years. We are not going to waste our time or yours by misleading you if you cannot obtain a mortgage, or ignoring risks that can result in complications and costs later...

Why are Turkish mortgage applications complex? Because there are several variables that need to be managed together that in 90% of cases mean that the lowest interest rate will not be the sole factor governing your choice of mortgages you will qualify for – for example, how much you can afford to borrow, how much the property will value at, what to do if you do not have the proper proof of income documentation, whether the property has all the correct permits, licenses, and permissions, the proof of payment and anti money laundering regulations, legally compliant property purchase contracts, etc etc

To deal with these issues in a coordinated manner requires experienced expert advice of the caliber that is only available at the Turkish Mortgage Centre...'The Turkish Mortgage Experts....' Having advised more than 6,000 international buyers of property in Turkey over the preceding 25 years, TMC are in a unique position to advise authoritatively on these matters....

For complex applications, TMC ensure our clients are fully informed in advance so that you may make fully informed decisions... essential for PROTECTION OF CAPITAL.

For this reason, when the 'Simple Service' may not be possible to achieve all your objectives, TMC provide a 'Private Client Investor's Service', beginning with a Risk Assessment which identifies all risks in advance, and manages the various factors based on your priorities, in order to achieve the best results that you want, in order to avoid the nasty surprises and unexpected outcomes that inevitably occur at the very end of the process, without warning, in complex Turkish mortgage application cases..

Once your form below is submitted you will receive:

1) TURKISH MORTGAGE CENTRE NEWS UPDATE summarising the latest and best Turkish mortgage terms available in the market today, covering no fewer than 10 lenders products;

2) GUIDANCE NOTES AND NEXT STEPS will be emailed describing the various general document requirements and procedures to support your application;

3) A FREE fact-finding consultation from a TURKISH MORTGAGE EXPERT with detailed personalised information concerning your own specific individual application, circumstances, and requirements.

This PRE-QUALIFYING PROCEDURE IS FREE AND COMPLIMENTARY and is only available from the Turkish Mortgage Centre, qualifying agents, and partners.

Pre-Qualifying all mortgage applicants, prior to status confirmation, is performed based upon the general un-verified information an applicant provides on the form below. This is a proprietary process designed specifically and only for the unique risks involved in executing mortgage applications in Turkey.

We Reduce Risk on the sourcing of real estate finance in Turkey, by accessing ALL products from ALL lenders with:
● a simplified cost effective process for standard mortgage applications;
● a fully disclosed service for complex mortgage applications;

Applicants that are unlikely to have applications accepted, or are likely to have only a marginal prospect of success, will be informed at the outset, thus saving applicants time and fees if they are unlikely to be successful. Using this system also reduces the risks involved in duplicating various costs with different lenders, and duplicating appraisal fees.

The Turkish mortgage system is new and may initially look similar to the mortgage system in your home country however the Turkish system operates differently.

The PRE-QUALIFYING form below is designed purposely to deal with the differences in pre-qualifying your application for mortgages in Turkey. Using an overseas mortgage broker that uses the same general system for all overseas mortgages in all countries is not going to be effective in Turkey, and incurs additional costs and completion risks.

Local Knowledge
Mortgage lending in Turkey is new and the lending policies and procedures are not well established. An extensive knowledge of local Turkish property documentation, and local lenders policies and procedures, is imperative for successful mortgage placement. With over 25 years of financing experience in Turkey, this level of value added expertise is only available at the Turkish Mortgage Centre.

One Source - All Mortgages for Turkey if you definitely require property finance in Turkey, very simply, the widest choice of solutions available, for your specific circumstances, is via the Turkish Mortgage Centre.

Turkish Mortgage Centre is the only organisation that sources all cross border mortgages for Turkey for cross border applicants. During 2007 we worked actively with 14 different mortgage lenders.

What does this mean? Very simply, your best choice, for finding the best available mortgage for Turkey, for your specific circumstances, is via the Turkish Mortgage Centre

Please now provide the following information on the form below to PRE-QUALIFY your interest in a Mortgage for Turkey:

  
1) Is the loan amount you are seeking greater than 60% of the property value you are mortgaging ?

 

 Yes      No  
2) Please tick the box that best describes the purpose of the mortgage finance you are seeking:
  To re-mortgage a Turkish property - to take off the old mortgage and put on a new mortgage.
To release equity(raise cash) from Turkish property in which the Title Deed (Tapu) is in my name.
To release equity(raise cash) from Turkish property in which the Tapu is in my name, in order to buy more Turkish property.
To release equity(raise cash) from Turkish property I have paid for in full, but have not yet received the Tapu in my name.
For the final completion payment on property I have contracted to buy and have made initial payment(s) for.
For interim off-plan payments on property I have already paid a deposit and contracted to buy
To arrange the Turkish mortgage finance before signing contracts on the property I will purchase.
To arrange the Turkish mortgage finance before finding the property I will purchase.
To arrange finance on two or more properties.
  
3) When is Mortgage Loan Required?

 

  
4) Please tick all boxes that describe your source(s) of income and the documents you will provide to support your application:
  Salary Taxed at Source or Pension Income
     Most Recent Year's Tax Statements (P60, W2, etc)
     Most Recent Two Years' Tax Statements (P60, W2, etc)
     Most Recent Three Years' Tax Statements (P60, W2, etc)
Self Employed Earnings
     Most Recent Year's Tax Statements & Certified Accounts
     Most Recent Two Years' Tax Statements & Certified Accounts
     Most Recent Three Years' Tax Statements & Certified Accounts
Directors Dividend Income
     Most Recent Year's Tax Statements, & Certified Accounts
     Most Recent Two Years' Tax Statements, & Certified Accounts
     Most Recent Three Years' Tax Statements, & Certified Accounts
Investment, Royalty, Underwriting Income etc
     Most Recent Months' Statement of Assets, Liabilities and Income
Property Rental Income
     Most Recent Year's Tax Statements & Accountants Confirmation
     Most Recent Two Years' Tax Statements & Accountants Confirmation
     Most Recent Three Years' Tax Statements & Accountants Confirmation
Tax-Optimised Income
     Disclosure of Tax Equalisation and Optimisation is Complex and
           I wish to disclose only bank statements and receive no more than 50% LTV
Other 		 
5) Do you intend to provide a Credit Report with your application (Experian or Equifax)? A clean credit report is required to attain 75%+ LTV.

 

 Yes      No  
6) Is the mortgage application to be in joint names ? Yes:    Name of Joint Applicant
                                    Relationship
                  Name of other Joint Applicants
                                                Relationship
                  Name of other Joint Applicants
                                                Relationship
No
Maybe		  
7) Name of Primary Income Earner*    
8) Date of Birth of Eldest Joint Investor*      
9) Nationality*    
10) Number of Dependents*    
11) Home Address*    
12) Home Postcode*    
13) Work Tel Nbr*    
14) Evening Tel Nbr*    
15) Work Email Address*      
16) Private Email Address*      
17) Annual Income  
18) Property Rental Income(excluding Purchase Property)  
19) Total Existing Mortgage, Loan & Rent Payments, per Month*    
20) Total Credit Card Borrowing*    
21) Address of Existing Property if Equity Release*    
22) Type and Address of Purchase Property if Chosen  
23) Preferred Locations of Purchase Property*    
24) Purchase Price / Valuation*      
25) Amount of Deposit Available*        
26) Name of Developer or Agent      
27) Name of Development Site      
28) Name of Nearest Town      
29) If you would like us to call you, please indicate when would be convenient  
     
30) Promotional Code     
 * Mandatory Fields