Methodology
The 3DCM multifaceted approach utilises input from a broad range of disciplines. This information is overlaid with real time market analysis when making trading decisions. Only once we are able to understand the drivers of the market will we look to enter into a currency position.
Debt Reduction
The main objective of the 3DCM debt programme is to reduce the outstanding balance of your secured loan by expressing it into currencies that we believe will weaken against Sterling. As the currency in which your loan is expressed reduces in value against the pound, the size of your loan is reduced accordingly. Through active 24hr/day management 3DCM can deliver considerable year on year savings by strategically changing the 'effective currency denomination' of your debt.
Interest Savings
Although the environment has changed dramatically in recent months the UK has historically had one of the highest interest rates in major economies. This trend may well continue once the current economic turmoil begins to subside. A second, but important benefit of the 3DCM programme is the opportunity to take advantage of a lower interest rate environment. Because you will pay the interest rate applicable to the currency in which your loan is expressed, exposure to lower interest rates in other economies can lead to reductions in the cost of servicing your debt.
Tax Efficiency
Under current UK tax legislation the potentially large reductions in the value of your debt through the 3DCM programme are not subject to Capital Gains or Income Tax.*
* Tax legislation is always changing and you should clarify your individual tax position with your independent tax advisor.
Setting Up
The process is as simple as arranging any other mortgage;
A Sterling Loan Facility is arranged with one of our leading partner banks. Your relationship with the lending bank is the same as with any other Sterling loan. 
3DCM deal directly with the bank treasury to manage the debt by expressing it in one or more of the seven trading currencies. On a quarterly basis your loan is re-balanced to reflect the performance during that period.
Communication
With monthly and quarterly statements, access to a secure Internet site and through email/SMS communication you will have available an unrivalled range of information to illustrate the currency strategy we implement and to track the on-going performance of your debt. We guarantee to inform you of any changes that we make within 24 hours of making them.