An international mortgage is a loan that is secured against a property located in a country different from the one where you reside.
Enness primarily operates in key markets, which include the UK, France, Spain, Switzerland, Guernsey, Jersey, the USA, Monaco, and Italy.
With access to over 500 lenders and extensive expertise in international property financing, Enness is well-equipped to assist you.
Where are you Looking for an International Mortgage?
With access to over 500 lenders worldwide, Enness helps you release equity and generate liquidity to acquire property, wherever you choose to invest.
Speak to a brokerFrench property is among the most desirable and sought-after in the world. The sunny climates of the south offer ideal locations for second homes or holiday properties, while the Alps also attract many investors. The appeal of Parisian real estate has significantly influenced the development of the French mortgage market.
Paris naturally draws domestic investors, but expatriates and international buyers are also captivated by the city's beauty and the potential for lucrative returns on investment properties. For non-residents, obtaining property finance in France can be challenging, especially when looking to purchase high-value real estate.
With extensive experience in brokering high-value mortgages for French properties priced at €1 million and above, Enness provides valuable support for prime, luxury, and top-of-the-market real estate acquisitions. Enness customises mortgage packages for each client, structuring your French mortgage to align with your individual circumstances.
DISCOVER MOREMany UK banks provide international mortgages, especially for UK residents or citizens who are buying property abroad. However, not all banks offer this service. Depending on the property's location and your personal circumstances, alternative lenders or non-UK banks might offer more competitive options.
Securing an international mortgage involves understanding the specific requirements of cross-border financing. Here’s a simplified process to guide you:
Understand Lender Options: Various UK and international banks offer international mortgages, but not all are equipped to handle cross-border transactions. Enness can connect you with specialist lenders who have global expertise.
Evaluate Your Finances: International mortgages often require higher deposits or stricter income verification, especially for non-residents or foreign nationals. Be prepared with the necessary documentation.
Research Local Regulations: Laws concerning property ownership and mortgage terms vary by country. Collaborating with an expert will help ensure you comply with local regulations and secure the most competitive rates.
Assess Currency Risks: If the mortgage is in a foreign currency, you may face exposure to exchange rate fluctuations. Consider multi-currency options to mitigate potential risks.
Seek Specialist Guidance: Enness' expertise can help you navigate the complexities of international mortgages, from securing the best terms to managing documentation and currency issues. By working with Enness, you gain access to global financing solutions tailored to meet your specific needs and circumstances.
Monaco is often referred to as a “billionaire's playground” and is home to some of the most expensive real estate in the world.
The property finance system in Monaco is unique. It’s common for properties to be sold before they even hit the market, and transactions occur rapidly. For anyone looking to buy property in Monaco, you’ll need a finance solution that can keep pace with the fast-moving market. If you’ve found a property you want to purchase, be aware that lengthy negotiations with lenders and uncertainties about financing often leave potential buyers without a deal. Having liquidity is crucial for a successful buying experience in Monaco.
Enness stands out as one of the leading mortgage brokers for property finance in Monaco. With their expertise in the local property market and connections with both domestic and international lenders, Enness can offer you the most competitive mortgage packages available.
ARE YOU LOOKING FOR A MORTGAGE IN MONACO?Enness works with both local and international lenders to offer a wide range of property financing options in Switzerland.
Non-residents have many opportunities when it comes to investing in luxury properties in the country. Swiss real estate is an attractive option for non-residents, especially those interested in some of Europe’s best ski slopes. Most non-residents seek to purchase ski chalets in popular tourist regions, as there are restrictions on where they can buy real estate in Switzerland. Notable destinations include Verbier, Grindelwald, Crans-Montana, and St. Moritz, which are particularly favoured by non-residents. Additionally, Switzerland's world-class dining, shopping, and healthcare facilities further enhance the country's appeal.
ARRANGE SWISS PROPERTY FINANCEProperty investors mainly purchase real estate in Spain to add a second home or holiday property to their portfolio. With approximately 3,000 hours of sunshine each year, a rich local culture, delicious food, and access to luxury amenities, Spain is an increasingly attractive destination. In addition to popular locations like Marbella along the Andalusian coast, the Balearic Islands also appeal to ultra-high-net-worth individuals. Some of the most luxurious properties in Spain are located in Ibiza, where investors frequently acquire prime real estate. Spain has few restrictions on property ownership, making eligibility for purchasing property generally straightforward. However, securing a competitive mortgage from a domestic lender may be more complex.
Enness provides a Spanish property finance package that is both tax-efficient and cost-effective, offering mortgage rates with the lowest possible costs.
LEARN MOREPrime Portuguese property is some of the most attractively priced in southern Europe. Portugal’s laid-back lifestyle, warm climate and beautiful coastlines are hugely appealing, and the country has long attracted the interest European investors. More recently, however, Portugal’s Golden Visa scheme has cemented the country as a firm favourite for foreign high-net-worth property investors. The scheme has garnered significant interest from non-European nationals. There are still luxury properties to be had at bargain prices compared to France and Spain, and many non-resident buyers are keen to purchase holiday homes or a second home in the country.
LEARN MORENot everyone is eligible to purchase property in the Channel Islands, and specific clearances are required to buy real estate in either location. Generally, your eligibility to buy will depend on factors such as your birthplace, employment status, and overall profile. However, both Jersey and Guernsey actively seek to attract high-net-worth individuals, offering pathways for qualified candidates to secure the right to buy property on the islands. This creates a viable opportunity for acquiring high-value real estate. Regardless of your situation, having liquidity is essential for purchases in Jersey or Guernsey. Demand greatly exceeds supply, and with limited housing available, you may not find a wide variety of desirable properties on the market at any given time. Therefore, it is crucial to have the financial resources ready to move quickly, make an offer, and secure the property you wish to buy, even in a competitive market.
LEARN MORELenders usually require evidence of income, asset statements, property details, and residency status. For international buyers or non-residents, additional documentation may be necessary depending on the country and financial circumstances.
Many international lenders offer mortgages in EUR, GBP, USD, CHF, and other currencies. Multi-currency borrowing helps reduce foreign exchange risk and is especially useful for globally mobile clients or investors earning in different currencies.
High-net-worth individuals often acquire international properties through offshore companies, trusts, or intricate ownership structures. Enness facilitates mortgages that integrate seamlessly with these arrangements, even for clients with global income or assets across multiple jurisdictions.
Enness has access to more than 500 international lenders, and the team has completed mortgages for 78 different nationalities across 20 countries.
If you are looking for an international mortgage of any kind, Enness will be able to help. Enness' services include:
Many UK banks provide international mortgages, making them a suitable option for UK residents and citizens. However, financing a property abroad can be challenging. Not all UK banks will lend for international purchases, and often, non-UK-based lenders or alternative financial institutions can offer more competitive deals. If you are not based in the UK and are looking to buy property in another country, a UK lender may not always be your best choice.
Obtaining the best property financing is not simply a matter of approaching your current bank for a mortgage. Some banks do not offer property finance at all, while others only lend for domestic real estate purchases. Even if your bank is willing to lend, they might not provide the most affordable financing options.
Enness aims to secure the most competitive rates and terms for your mortgage, regardless of where you are buying or how much financing you need.
Schedule A CallbackEnness' international mortgage team offers expert guidance, drawing on years of experience to secure tailored financing solutions for foreign nationals, expatriates, and non-residents seeking to purchase property in the UK or abroad.
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