Designed to Meet the Unique Needs of Global Clients.
Morgan Stanley International Morgan Stanley Wealth Management clients
have access to customized lending solutions, including
financing of U.S. properties.
Morgan Stanley Home Loans are offered by
Morgan Stanley Private Bank, National Association.
Contact your International Client Advisor or email us for more information.
Ability to use eligible income and assets from your home country to qualify for loan values up to 70%, with no U.S. credit history required.
Option to apply as an individual or by using your U.S. based trust or limited liability corporation (LLC), including those held by foreign entities.
Fixed and adjustable-rate (including interest- only) mortgages for second homes and investment properties such as: single family and multi-family (two to four units), condominiums and condotels.
As a Morgan Stanley client, you may have access to preferred rates. You and your immediate family may qualify for a discounted rate or closing cost credit based on your Morgan Stanley relationship. You may be eligible to receive an additional rate discount if you apply for a new home loan through Morgan Stanley and bring in new qualifying assets.
If you qualify, a securities based loan can be used to expedite the purchase process and provide short term financing.
Later, you may be able to repay the securities based loan balance with a traditional mortgage.*
You can also use available funds to purchase unique properties or investment real estate, or to cover expenses for your home construction project.
CONTACT YOUR INTERNATIONAL CLIENT ADVISOR OR EMAIL US FOR MORE INFORMATION.
Not all products and services are available in all jurisdictions or countries.
Relationship-based pricing offered by Morgan Stanley Private Bank, National Association is based on the value of clients’, or their immediate family members’ (i.e., grandparents, parents, children and siblings) eligible assets (collectively “Household Assets”) held within accounts at Morgan Stanley Smith Barney LLC. To be eligible for relationship-based pricing, Household Assets must be maintained within appropriate eligible accounts prior to the closing date of the residential mortgage loan. Relationship-based pricing is not available on conforming loans.
The interest rate and payments on an adjustable rate mortgage ("ARM") loan may increase over the life of a loan as interest is fixed for a specified period and then will adjust periodically thereafter. The annual percentage rate may increase after consummation of the loan.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier #663185. The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade, or carry eligible margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking-related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
CRC#3589704 (05/2024)