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Service 05 · Mortgages

Mortgages that cross borders.

UK and international mortgage advice for expats, foreign nationals and globally mobile professionals, including the cases high-street banks decline.

Mortgage Solutions
Mortgage Solutions
01 / Overview

Property finance without borders

Arranging property finance across borders can be complex, particularly when your income, assets and country of residence are in different jurisdictions.

We work with private banks, specialist lenders and international mortgage providers to arrange residential, investment and commercial property finance for expatriates and international clients purchasing property in the UK and overseas.

02 / Benefits

Why our clients use it.

The four things our clients most often tell us they value, drawn from a decade of conversations about this part of our work.

01

Property for expats

Residential and buy-to-let lending for non-resident clients, including foreign-income borrowers.

02

Foreign-currency mortgages

Borrowing in your earnings currency to avoid FX-mismatch risk on repayments.

03

Private bank lending

For larger or more complex cases, including lombard lending against existing portfolios.

04

International property

Mortgages on overseas property in selected jurisdictions: France, Spain, Portugal, UAE and others.

03 / How we work

A simple, four-step engagement.

From the first call to ongoing service: what to expect, and when.

— STEP 01
01

Brief

Understand the property, the buyer, the currency and the timeline.

— STEP 02
02

Market

Approach the appropriate lenders, typically 3–5 quoted for comparison.

— STEP 03
03

Agreement

Indicative offer in 5–10 working days; full offer in 4–6 weeks.

— STEP 04
04

Completion

Coordinate with conveyancing and ensure funds arrive on time, in the right currency.

04 / Frequently asked

The questions we actually get asked.

If yours isn't covered, we're an email or a phone call away; see Contact below.

01
Can you arrange mortgages for property outside the UK?
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Yes. We work with specialist lenders and international mortgage providers to help clients finance property purchases across a range of countries. The options available will depend on the property location, your country of residence, income, assets and the amount you are looking to borrow.
02
Can I get a mortgage if my income is earned overseas?
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Yes. Many of our clients live and work internationally and receive their income outside the country where they are purchasing property. We work with lenders experienced in assessing overseas income, different currencies and more complex international circumstances.
03
How much can I borrow?
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This will depend on your income, assets, country of residence, the property and the lender's individual criteria. We can assess your circumstances and approach suitable lenders to establish the level of borrowing available before you commit to a property purchase.
04
Can I finance an investment or holiday property?
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Yes. As well as main residences, we can help arrange finance for second homes, holiday properties and investment properties in a range of international locations. Lending criteria and the deposit required will vary depending on the country and how the property will be used.
Take the next step

Start the conversation.

We offer an initial consultation without fee or obligation. It is a chance to discuss your circumstances and determine if our approach fits your needs.