BEFORE AND AFTER SALES SERVICES 

EphesusHomes team has all the answers to your property related questions.
We offer one of the most extensive and diverse ranges of products (before & after sale) in the town including;
* Property Settlement and Conveyance
* Acquisition and cost of Title Deeds
* Making your Sales and Purchasing
* Property Appraisals and Assessments
* Property Consultation
* Taxes, Rates, Bills etc.
* Telephone, Water and Electricity connections.
* Cleaning and Maintenance of the property
* Insurance (building & contend, earthquake etc.)
* Buying Furniture
* Solar energy
* Relocation Assistance
* Transport interstate or abroad
* Pet care
* Gardening
* Cheap flights
* Cheap accommodation.
* Health Services
* Property Management
* Legal & Financial Advice
* Translation &Legal Interpreting
* Interactive Website with Property Listings
* Fluent in English, Russian and Turkish
* Turkey, UK, Ireland and Russian basedAgency.
* Member of Kusemder (Kusadasi Real Estate Agents Association) .

Mortgage For Turkish Real Estate

EphesusHomes is offering Low Rate housing loans

We are delighted to be able to offer to all our clients the chance to invest in Turkish property by introducing our new low fixed rate mortgages. In association with a national Turkish Banks, we are offering mortgages with the following rates:-

• 6.96% pa. Euro Fixed Rate (5-10 years mortgage)
• 7.80% pa. Euro Fixed Rate (15-20 years mortgage) Process
• Client receives & signs pre term sheet.
• Signs sales contract & pays 35% of sales price.
• Applies for military clearance.
• Client receives military clearance. Completes mortgage criteria.
• Final 65% of sales price is paid as per the terms set out in mortgage information.

Mortgage Terms & Conditions:-

Loan to Value :- up to 65%(of valuation)
Interest Rate :- EURO 6.96% pa(5-10 years) 7.80% (15-20 years)
Type of Rate :- Fixed for full duration of loan
Payment Terms :- Cannot exceed 50% of monthly income of applicant
Currencies available :- TL, $, £, ˆ
Term :- 5,10,15,20 Years
Minimum Loan :- 30,000 Euro, 20,000 GBP
Maximum Loan :- No Maximum
Age of Applicant :- 25-70 years
Early Repay Penalty :- 2% of outstanding balance
Requirements :- Earthquake and Building Insurance
Bank Charges :- 1.5% administration fee

• No Valuation Fee(some banks do charge 500TL)
• Self employed & retirees accepted
• Pre-offer lasts for 4 months. Can be extended to 18months (extra 1% commission will be required to process this request)
• No life insurance required
• No UK credit checks

Documentation Required:-

• Signed and completed Application Form.
• Tax statement e.g. P60.
• Copy of property title deed (Tapu).
• Copy of passport.
• Income statement of employers signed by employers.
• Official documentation showing person who signed employers statement is eligable to do so.
• Bank Statements proving income(not older than 3months).
• Documents proving financial obligations.
• Overview of private assets & debts.
• Turkish Military Clearance will be required.
• Turkish Tax Number.

This document is a guide to the mortgages on offer only. For full details please speak to one of our advisors who will be able to answer all your questions.