Overseas Mortgage
Buy Property Abroad with a Trusted Overseas Mortgage Broker Looking to buy a property overseas? Whether you're a UK resident investing abroad, a British expat returning home, or a landlord diversifying globally, Connect Mortgages can help you navigate complex international mortgage markets with ease.
What is an Overseas Mortgage?
An overseas mortgage involves securing international finance to purchase property in another country. At Connect Mortgages, we proudly support UK nationals and global buyers in arranging tailored mortgage solutions across a wide range of locations, including France, Spain, Portugal, Italy, and multiple U.S. states.
Finding the right mortgage for a property abroad can be challenging. Many traditional lenders don’t offer international loans, and those that do often have limited options and strict criteria.
That’s where our specialist overseas mortgage advisors come in. We don’t just help you find a competitive mortgage; we guide you through the entire journey, from initial assessment to completion. Whether you’re buying a holiday home, investing in a rental property, or relocating permanently, our team ensures a smooth and secure experience.
With decades of experience and access to a wide panel of international mortgage lenders, we’ll match you with the right loan and provide trusted advice every step of the way so you can focus on what matters most: enjoying your new home abroad.
How Does an Overseas Mortgage Work?
You can secure an overseas mortgage in one of two ways:
Through a UK-based bank or broker with international lending capabilities
Via a local lender in the country where you’re buying (e.g. Spain, France, Portugal)
Each route offers pros and cons. UK banks provide convenience and familiarity, while local lenders often offer more competitive terms for specific markets.
Why Do People Get Overseas Mortgages?
Common reasons for taking out a mortgage overseas include:
Buying a holiday home abroad for seasonal visits
Securing a retirement property in Europe or beyond
Investing in international buy-to-let properties for rental income
Funding lifestyle relocations with family
Explore our Buy-to-Let Mortgage Guide for related options.
Key Considerations When Buying Abroad
When applying for an overseas mortgage, consider the following factors:
Deposit Requirements
Most international lenders require larger deposits, often 30% to 40%, for non-residents.
Currency Exchange Risks
If your income and repayments are in different currencies, exchange rate fluctuations can affect your monthly payments. Consider using currency-hedging services or consulting a specialist.
Local Market Expertise
Local lenders may have better insight into the real estate landscape and legal processes. Alternatively, UK-based mortgage brokers with global lending access, like Connect Mortgages, can offer tailored advice across multiple countries.
Remortgaging Your UK Property
You can release equity from a current UK home to fund your international purchase. Learn more about options via our Remortgage Services.
Popular Types of Overseas Mortgages
We arrange a range of overseas mortgage products tailored to different needs:
Expat Mortgages: Designed for British nationals living abroad who want to invest in UK or overseas property.
Offshore Mortgages: Ideal for high-net-worth individuals or clients earning foreign income purchasing UK or overseas property.
Secure the Right Overseas Mortgage with Expert Guidance
Buying property abroad is an exciting milestone, whether it’s a holiday home, rental investment, or your future retirement destination. But to make your dream a reality, it’s crucial to have the right overseas mortgage solution in place from the start.
Many international lenders are willing to support foreign buyers, but the application process, legal frameworks, and currency implications can be complex. That’s where Connect Mortgages steps in.
Our experienced Overseas Mortgage Advisers specialise in helping UK residents and expats secure property finance across global markets. We tailor solutions to fit your needs, whether you’re investing in Spain, relocating to Portugal, or purchasing a second home in Dubai.
Why Choose Connect for Overseas Property Finance?
- We have access to 200+ lenders worldwide
- Tailored mortgage options for UK buyers and expats
- End-to-end support through the overseas mortgage process
- Trusted for over 20 years in international lending
Explore how we can help with Expat Mortgages, Buy-to-Let, or even Specialist Mortgage Solutions for more complex needs.
For a comprehensive overview, visit our Overseas Mortgage Guide and learn what to expect from deposit requirements to local tax rules.
Popular European Destinations
At Connect Mortgages, we can help with overseas mortgages for multiple countries including France, Spain, Italy and Portugal.
Here are some of the most popular overseas property destinations in Europe.
France:
Known for its UNESCO World Heritage Sites, stunning countryside and rich cultural traditions, it’s no wonder that France is one of the top overseas property destinations.
Spain:
Popular for its sunny Mediterranean climate, diverse landscape and vibrant nightlife, overseas property in Spain is in high demand.
Italy:
From the iconic capital city of Rome to the beautiful Amalfi coast, overseas property buyers are spoilt for choice when it comes to Italian overseas property.
Portugal:
With its picturesque villages, golden beaches and historic towns, overseas property buyers are increasingly looking to purchase overseas property in Portugal.
If you’re considering overseas property investments, contact Connect Mortgage advisers today and we’ll help you find the perfect overseas mortgage for your needs.
Mortgage Advice..
Thinking of getting a mortgage? Our experienced team of skilled mortgage advisers are here to offer the essential guidance you require. Relying on our comprehensive understanding of the mortgage market, we’ll ensure you secure the perfect mortgage to suit your specific situation.
USA Mortgage Options
As overseas mortgages experienced, Connect Mortgage can also help with overseas mortgages for USA property. We have access to a wide range of lenders offering these types of mortgages in many parts of the USA and our experienced advisors will be able to guide you through the whole mortgage process.
No matter what type of overseas mortgage you require, whether it is traditional, interest only, flexible or offset mortgages, Connect Mortgages are here to help. Contact us today for more information about these mortgages in the USA and beyond.
Make your international property purchase dream come true – connect with Connect Mortgage advisers right now!
The Overseas Mortgage Process
At Connect Mortgages, we understand that overseas mortgages can be a complex and often daunting process. That’s why we’re here to guide you every step of the way, making sure you have all the information and resources you need to make an informed decision about your overseas mortgage.
The mortgage process can vary depending on the type of overseas mortgage you choose and your individual circumstances, but here’s an overview of what to expect when you apply for an overseas mortgage with Connect Mortgages.
First
We’ll assess your requirements and help you find the suitable overseas mortgage for your needs. We have access to a range of overseas mortgages from lenders across Europe and the USA, so we’ll work with you to find the overseas mortgage that’s right for your needs.
Next
We’ll assess your finances to determine if you are eligible for an overseas mortgage. We’ll need evidence of your income and outgoings, as well as documents such as bank statements and proof of ID.
Once your application is approved, we will then arrange for the overseas mortgage to be transferred into your overseas bank account. We can also help you with any paperwork and advise you on any insurance or tax requirements that may apply to overseas mortgages
Finally
We’ll make sure everything is in order before the overseas mortgage is released. We’ll also be here for you if you have any questions about overseas mortgages throughout the process
Overseas Mortgage Broker
Connect Mortgage is an experienced mortgage broker that specialises in all types of mortgages. With our knowledge and expertise, we can provide the best advice to guide you through the process of obtaining an overseas mortgage.
We understand that every situation is unique, so we take a personal approach to ensure they are finding the absolute right solution for your individual needs.
Connect Mortgage can help you research countries’ regulations and obtain necessary documents to apply for a mortgage, compare rates from different lenders, submit paperwork and applications, complete assessments, and sign loan documents once approved.
We also offer guidance on repayment plans and will ensure you get the best possible deal when applying for an overseas mortgage.
Overseas Mortgage Lenders
If you’re seeking to purchase an overseas property, researching the plethora of lenders and their respective regulations is essential in order to identify which one best fits your specific requirements. Doing so will ensure that you select the most suitable provider for your mortgage needs.
At Connect Mortgages, we have access to a wide range of overseas mortgage lenders so we can help you make an informed decision. We will provide you with guidance on mortgage regulations and requirements, as well as compare rates from different lenders in order to get the suitable deal for you.
We will also assist you during the loan application process by submitting paperwork and applications, completing necessary assessments, and signing loan documents once approved. With our expertise, we can help you secure an overseas mortgage that fits your individual needs and budget.
FAQs: Overseas Mortgages
Most frequent questions and answers about overseas mortgages
Absolutely, you can get a mortgage overseas! The types of loan and the amount available will depend on your particular circumstances. However, the process can be complex since different countries have different regulations and requirements for overseas mortgages.
Generally, you will need to provide proof of income, bank statements, and a credit score when applying for an overseas mortgage. Additionally, some lenders may require additional forms or assessments in order to approve the loan.
A mortgage broker can provide invaluable guidance and advice when it comes to obtaining overseas mortgages. They can research different countries’ regulations, compare rates from different lenders, complete the necessary paperwork, and assist you during the loan application process. Additionally, they can also provide guidance on repayment plans so you get the best possible deal.
When applying for overseas mortgages, it’s important to consider your individual financial situation and determine how much you can realistically afford. Additionally, it’s crucial to do your research and compare rates from different lenders in order to identify the best option for you. Finally, it’s a good idea to seek the advice of a mortgage broker who can provide expertise and guidance throughout the process.
Yes, you can get a UK mortgage if you live overseas. Nonetheless, the standards and rules may be different than what is needed for an overseas mortgage. It’s recommended to speak with a specialist who can help you understand the process.
What next?
We will come back to you quickly to let you know how we can help. If you would like to speak to us immediately, call us on 01708 676 111.
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Liz Syms is the CEO and Founder of Connect Mortgages and Connect for Intermediaries, a leading firm specialising in property investment finance. With more than 25 years of experience in the mortgage and financial services industry, Liz has helped thousands of clients secure both residential homes and investment properties.
Renowned for her expertise and commitment to excellence, Liz is passionate about delivering tailored, high-quality advice on mortgages and protection. Her leadership has positioned her as a trusted figure in the sector, and under her guidance, Connect Mortgages has expanded to a national team of over 300 advisers.
Driven by a vision to make Connect Mortgages one of the UK’s most successful mortgage networks, Liz continues to champion professional standards and client-focused solutions across the industry.
About the Author
Liz Syms is the CEO and Founder of Connect Mortgages, a specialist in finance for property investment. With over 25 years of experience in mortgages and financial services, Liz has helped countless people get their dream homes and investment properties. She is passionate about giving her clients the best advice possible when it comes to financial decisions relating to mortgages and protection and is dedicated to providing the highest quality of service. With her wealth of knowledge in the industry, Liz is a respected leader in mortgages and financial services and has grown her team to over 300 advisers nationally. She strives to make Connect Mortgages one of the most successful companies in its field.