The Product...

DEBT REDUCTION

The objective of the 3DCM programme is to actively manage any securitised debt by taking matched positions in the currency market with a view to reducing the outstanding balance of a client’s liability. 3DCM can deliver considerable year on year savings by strategically changing the ‘effective currency denomination’ of your debt.

If the currency in which your debt is expressed reduces in value against the pound, the size of your debt is reduced accordingly.

Debt Reduction Timing Is Everything

INTEREST SAVINGS

The UK has historically had one of the highest levels of interest rates in major economies. A second but equally important benefit of the 3DCM programme is the significant 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 significant reductions in the cost of servicing your debt.

Interest Rate Comparison

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 and Income Tax.*

* Tax legislation is always changing and you should clarify your individual tax position with your independent tax advisor.