Terms of business

Scope of service

Global Dynamic Corps, a subsidiary of BlackRock Inc., arranges and administers personal, business, mortgage, student and refinancing facilities for clients across five continents. Nothing on this website constitutes investment, tax or legal advice.

Application and offer

Submitting an application does not create a credit agreement. An application becomes binding only when a written offer is issued by our underwriting desk and accepted by the applicant in writing.

• Underwriting decisions are communicated within 24 to 48 hours of a complete submission
• We may request further documentation before a decision is issued
• We reserve the right to decline any application without stating a reason

Rates and fees

Published annual percentage rates are indicative and are confirmed in the offer. There are no arrangement, brokerage or early-settlement fees. Third-party costs such as valuation or notarial charges, where applicable, are disclosed before acceptance.

Disbursement

Approved facilities are disbursed in your local currency through our corresponding financial institutions, normally within two business days of a signed agreement and completed verification.

Repayment and early settlement

Repayments follow the schedule attached to the credit agreement. Facilities may be settled early in whole or in part at any time, with interest charged only to the settlement date.

Default

Missed payments may result in additional interest, reporting to credit reference agencies and recovery action. We will always attempt to agree a revised arrangement before enforcement.

Applicant obligations

Applicants confirm that information supplied is accurate and complete, and undertake to notify us promptly of material changes to income, employment or contact details.

Governing law

These terms are governed by the laws of the State of New York, with local mandatory consumer protections continuing to apply to borrowers in the United Kingdom, Hong Kong SAR and South Africa.