International Property Mortgages
Navigate international mortgage markets with confidence. Get expert guidance, competitive rates, and seamless financing for your global real estate investments.
Mortgage Options for International Property Buyers
Choose from multiple mortgage pathways: Spanish mortgages, UK property loans, and more
Local Bank Mortgages
Traditional mortgages from banks in the country where you're purchasing property.
Advantages
- Competitive rates
- Local expertise
- Established processes
Considerations
- • Language barriers
- • Complex documentation
- • Residency requirements
International Lenders
Specialized lenders offering cross-border mortgage solutions.
Advantages
- English-speaking service
- Familiar processes
- Multi-currency options
Considerations
- • Higher rates
- • Limited countries
- • Stricter criteria
Developer Financing
Payment plans and financing directly from property developers.
Advantages
- Flexible terms
- No bank approval needed
- Quick processing
Considerations
- • Higher overall cost
- • Limited to new builds
- • Developer risk
Private Lending
Alternative financing from private lenders and investment funds.
Advantages
- Fast approval
- Flexible criteria
- Creative structures
Considerations
- • Higher interest rates
- • Shorter terms
- • Higher fees
Calculate Your International Mortgage
Get instant estimates for mortgage payments across different countries and scenarios
Mortgage Calculator
Mortgage Summary
Financing Tip
Your down payment of 20% or more typically qualifies you for the best available rates.
Property Mortgages by Country
Spanish mortgages, German property loans, UK mortgages for non-residents - complete guides
Spain
Spain offers competitive mortgage options for foreign buyers with attractive LTV ratios and both fixed and variable rate options.
United Kingdom
The UK market offers specialized mortgage products for international investors with competitive rates and established legal framework.
United Arab Emirates
UAE banks offer both conventional and Islamic financing options with attractive terms in a tax-free environment.
International Mortgage FAQs
Common questions about getting mortgages abroad
How to get a mortgage for property abroad?
To get a mortgage for property abroad, you'll need to work with local banks or international lenders. Requirements typically include proof of income, bank statements, property valuation, and a deposit of 25-40%. Each country has specific requirements for foreign buyers.
Which countries offer mortgages to non-residents?
Most European countries including Spain, Germany, France, Portugal, and the UK offer mortgages to non-residents. Terms vary by country, with Spain and Portugal typically offering up to 70% LTV, while Germany and UK may offer up to 75-80% for qualified buyers.
What are typical mortgage rates for international buyers?
International mortgage rates typically range from 2.5% to 5.5% depending on the country and lender. Spanish mortgages start from 2.5%, German mortgages from 3.2%, and UK mortgages from 4.5% for non-residents.
How much deposit do I need for an overseas mortgage?
Most countries require 25-40% deposit for non-resident mortgages. Spain typically requires 30%, Germany 20-40%, UK 25%, and Portugal 30%. The exact amount depends on the lender and your financial profile.
Can I get a mortgage in Spain as a foreigner?
Yes, foreigners can get mortgages in Spain. Spanish banks offer mortgages to non-residents for up to 70% of the property value. You'll need a NIE number, proof of income, bank statements, and typically a 30% deposit.
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