Remortgaging property abroad may seem complex, but with the proper guidance, it can be a powerful way to strengthen your financial position, unlock equity, and achieve your long-term investment goals. Whether you’re managing a holiday home in Spain, renting out an investment flat in Dubai, or supporting family ties with a property in France, the potential benefits of refinancing are significant. From reducing monthly repayments to switching to a more favourable currency or accessing capital for new ventures, international property owners are increasingly looking to remortgage as a strategic move, not just a necessity.
At Connect Mortgages, we specialise in helping UK residents and expats refinance overseas properties with clarity and confidence. With access to a wide panel of lenders who understand the unique legal, tax, and valuation challenges of international property, we make it easier to find tailored solutions that fit your circumstances. Our goal is simple: to help you make smart, stress-free mortgage decisions no matter where your property is located.
Why Remortgage an Overseas Property?
Homeowners choose to remortgage international properties for several reasons:
- Secure a better interest rate
- Release equity to reinvest or consolidate debts
- Switch currency exposure to reduce risk
- Fund renovations or property purchases elsewhere
With the right lender and strategy, remortgaging abroad can offer flexibility and long-term savings. Browse our Overseas Mortgage Guide for more in-depth information.
Can You Remortgage a Foreign Property From the UK?
Yes, and the process is simpler with expert help. UK expats and international homeowners may access refinancing solutions through specialist lenders who understand foreign property markets.
We work with a few overseas lenders, including those offering products for properties in:
- Spain
- France
- Portugal
- Italy
- USA
You don’t need to be based overseas to get started. We’ll guide you through everything from valuations to legal requirements, so you stay compliant with local and UK mortgage laws.
Who Can Benefit?
You may benefit from remortgaging if you are:
- A UK expat with property abroad
- A British resident who owns an international holiday home
- A BTL investor managing overseas rentals
- Someone with an existing mortgage abroad nearing the end of its fixed rate period
Need help? Speak with an adviser today.
What Are the Challenges?
Remortgaging internationally involves:
- Currency exchange risk
- Country-specific regulations
- Finding the right lenders
- Valuation logistics
- Legal and tax considerations
Our team will explain all these factors clearly and connect you with lenders best suited to your profile.
Why Choose Connect Mortgages?
- 25+ years of experience helping clients refinance property abroad
- Access to over 300 UK-based advisers with international knowledge
- No upfront fees on many products
- Tailored guidance on remortgaging holiday lets, buy-to-lets, and residential homes abroad.
- FCA regulated
“Very professional and helpful. We remortgaged our villa in Spain seamlessly. Highly recommend!”
— Verified Client Review
Get Started Today
Not sure if remortgaging your overseas home is the right move?
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FAQs: Remortgaging Property Abroad
Can I release equity from my overseas property?
Yes, if your property has appreciated in value or you’ve paid down your existing mortgage, many international lenders will allow you to release equity either for reinvestment, renovations, or personal use.
Are UK lenders open to remortgaging foreign homes?
Some UK lenders, particularly specialist or international banks, are open to remortgaging foreign properties, especially for UK citizens or expats. Our brokers will help you match with lenders who support your specific location.
Is remortgaging a holiday home different from a rental property?
Yes. Holiday homes used solely by you often have more flexible terms. At the same time, buy-to-let or rental properties are considered investment assets and may involve stricter lending criteria and higher deposit requirements.
Can I remortgage a property abroad while living in the UK?
Yes, many UK-based expats and residents can remortgage international properties. The process typically involves local valuation, documentation, and compliance—but with a broker, it’s straightforward and managed for you.
What documents will I need to remortgage my overseas property?
Typical requirements include proof of income, ID, current mortgage statement, a local property valuation, and documentation proving property ownership. Requirements vary by country and lender, and we’ll guide you step by step.
How long does the remortgage process take?
Timelines vary by property location and lender requirements, but it typically takes 4–8 weeks. Working with a broker helps avoid delays by ensuring all documentation is correct from day one.
