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		  <li  ><a href="/home" "" >Home</a></li>
				<li  ><a href="/private-client-fx" "" >Private Client FX</a><ul id="">
		  <li  ><a href="/private-client-fx/buying-an-overseas-property" "" >Buying an Overseas Property</a></li>
				<li  ><a href="/private-client-fx/emigration-and-relocation" "" >Emigration and Relocation</a></li>
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				<li  ><a href="/about-baydonhill-plc/compliance" "" >Compliance</a></li>
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				<li id="phone-number">020 7594 0584</li></ul>
			                  
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	 var db_tooltips = new Array();
	        db_tooltips = {'#my-tooltip':'<span><strong>My tooltip</strong><p>dfgdfg <br /></p></span>','#cooling-period':'<span><strong>Cooling Period</strong><p><meta name=\"Title\" /><meta name=\"Keywords\" /><meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" /><meta name=\"ProgId\" content=\"Word.Document\" /><meta name=\"Generator\" content=\"Microsoft Word 11\" /><meta name=\"Originator\" content=\"Microsoft Word 11\" /><link rel=\"File-List\" href=\"file://localhost/Users/jessie/Library/Caches/TemporaryItems/msoclip1/01/clip_filelist.xml\" /> <style></style>  10 consecutive days that you must respect upon receipt of a formal mortgage offer, before signing, dating and returning to the bank  &nbsp;</p></span>','#agreement-in-principle':'<span><strong>Agreement in Principle:</strong>Formal approval from a bank which is subject to certain conditions being fulfilled i.e. further documentation being submitted or satisfactory valuation of the property</span>','#decision-in-principle':'<span><strong>Decision in Principle</strong><p>Formal Approval from a bank which is subject to certain conditions being fulfilled i.e. further documentation being submitted or satisfactory valuation of the property <br /></p></span>','#compromis-de-vente':'<span><strong>Compromis de Vente</strong><p>French preliminary contract of sale </p></span>','#international-regular-payment-plan':'<span><strong>International Regular Payment Plan</strong><p>Save money by setting up a Direct Debit from UK to overseas bank account, with fixed exchange rate for 6 or 12 month period&nbsp; <br /></p></span>','#notaire':'<span><strong>Notaire</strong><p>Public official and legal professional, who certifies legal status of a property sale. Role is neutral and fees are fixed by government decree&nbsp; <br /></p></span>','#completion':'<span><strong>Completion</strong><p>Completion is the point when the money being used to buy a property is paid to the seller and the legal ownership of the property passes to the buyer <br /></p></span>','#power-of-attorney':'<span><strong>Power of Attorney </strong><p>A legal document that authorises one person to act on behalf of another with either complete authority or in a limited capacity</p></span>','#loan-to-value':'<span><strong>Loan to value</strong><p>A percentage figure indicating the size of the mortgage on a property in relation to its value <br /></p></span>','#sci':'<span><strong>SCI</strong><p>A French transparent non-trading company used expressly for the purchase of a property.&nbsp; A minimum of 2 shareholders is required. Any loan is made to the company and the individual share-holders stand as guarantors <br /></p></span>','#gite':'<span><strong>Gite</strong><p>French equivalent to a Bed &amp; Breakfast&nbsp; <br /></p></span>','#leaseback':'<span><strong>Leaseback</strong><p>The property must be leased back to the developer for an agreed period who will let it out as holiday accommodation, providing the buyer with a guaranteed income.&nbsp; The buyer in effect becomes the landlord and therefore can qualify for a refund on the VAT.&nbsp; The buyer is given the right to occupy the property for a set period each year <br /></p></span>','#capital-raising':'<span><strong>Capital raising</strong><p>Raising funds on an unencumbered property – commonly referred to as “equity release” <br /></p></span>','#interest-only':'<span><strong>Interest-only</strong><p>A mortgage where repayments consist of only interest. 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                    	<h2>Latest Rates<abbr title="Prices are for indicative purposes only">*:</abbr></h2>
                        <ul id="rates">
                        	<li><img src="/images/gb-flag.gif" alt="gb flag" /> &pound;1 = <img src="/images/usa-flag.gif" alt="usa flag" /> $1.6706 / <img src="/images/eu-flag.gif" alt="eu flag" /> &euro;1.1152</li>
                            <li><img src="/images/usa-flag.gif" alt="usa flag" /> $1 = <img src="/images/gb-flag.gif" alt="gb flag" /> &pound;0.5986 / <img src="/images/eu-flag.gif" alt="eu flag" /> &euro;0.6676</li>
                            <li><img src="/images/eu-flag.gif" alt="eu flag" /> &euro;1 = <img src="/images/gb-flag.gif" alt="gb flag" /> &pound;0.8967 / <img src="/images/usa-flag.gif" alt="usa flag" /> $1.4980</li>
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						<p class="disclaimer">*Prices are for indicative purposes only</p>
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