What does it cost?

The cost of buying an Exchange Bond^® is called the premium. Examples of the premiums for each bond type are given below.

Term Exchange Bond^®

Two key factors that affect the premium are:

The amount of the deposit (typically 10% of the purchase price).
The period between exchange and completion.

Example 1 - A £200,000 property

10% deposit postponed until completion: £20,000
Period between exchange and completion: 6 months

Term Exchange Bond^® cost: £725 + £85 application fee

Example 2 - A £300,000 property

10% deposit postponed until completion: £30,000
Period between exchange and completion: 12 months

Term Exchange Bond^® cost: £1650 + £85 application fee

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Note: The Term Exchange Bond^® is tailored to your exact requirements. For example, a 19 month bond is calculated as 19 months, not rounded up to 2 years.

Overseas Exchange Bond^®

Like a Term Exchange Bond^® the cost of an Overseas Exchange Bond^® is dependent on the deposit size and duration required.

Example 3 - A €250,000 property

20% deposit postponed until completion: €50,000
Period between exchange and completion: 9 months

Overseas Exchange Bond^® cost: €2436 + €125 application fee

Example 4 - A €150,000 property

20% deposit postponed until completion: €30,000
Period between exchange and completion: 6 months

Overseas Exchange Bond^® cost: €975 + €125 application fee

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Note: Many customers find the premium for an Overseas Exchange Bonds^® very attractive when compared to the perceived risk of giving a 15% to 30% deposit to an overseas builder, as part of a transaction which is subject to local laws with which they are unfamiliar.