We have just secured a mortgage offer on our Turkish property. We used Isbank in London & I have to say they were very good. They are one of the few banks who offer a remortgage product. The process is pretty much the same as in the UK, the citeria that you must satisfy varies from bank to bank but generally it is very conservative. Loans are available in TRL EUR or GBP. Not all banks offer all currencies. Isbank will only lend 35% of disposible income and only 75% of the value of the property.i.e if your property is valued at £100,000, the bank will you £75,000 as long as the monthly repayment is less then 35% of your monthly income after tax & outgoings. Rates are higher then the average UK mortgage rates, euro is more competive but you could lose out on the fx rate.
Lorraine