There are three main benefits to managed currency mortgages:

Interest rate savings

Over the past decade, the costs of servicing debt in G10 currencies other than sterling has been upto 80% lower than sterling debt servicing costs.

Reduction in the capital value of the debt

For example, a £1m loan is converted into US dollars at 1.80. This produces a $1‚8m loan. If the pound strengthens to $2, when the loan is converted back into sterling it has been reduced to £900‚000.

Tax efficiency

For private individuals borrowing against their main residence the benefits of the programme are tax free.

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