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International Mortgages
International MortgagesInternational mortgages are designed for cross-border property transactions, whether purchasing property abroad or financing UK property with overseas income. These structures are typically more complex than domestic lending, with lenders assessing jurisdiction, currency, and income stability alongside the underlying asset.
Borrowers may include UK residents investing internationally, expatriates returning to the UK, or overseas nationals acquiring UK property. We work with private banks and specialist lenders to structure mortgage solutions tailored to each scenario, particularly where income is multi-currency or held across different jurisdictions.
Indicative Terms
|
Scenario |
Loan-to-Value (LTV) |
Pricing |
Notes |
|
UK Property (Overseas Income) |
Up to 70–75% |
From ~5.5%+ |
Foreign income accepted |
|
Overseas Property (EU / Prime Markets) |
60–70% |
From ~5.5–6.0%+ |
France, Spain, Italy, etc. |
|
Overseas Property (Non-EU / Complex) |
50–65% |
From ~6.0%+ |
Higher jurisdiction risk |
|
Expat Mortgages |
Up to 70–75% |
From ~5.5%+ |
UK nationals abroad |
|
Multi-Currency Lending |
50–70% |
Case-by-case |
FX exposure considered |
Important
International mortgages are assessed on a case-by-case basis. Indicative terms shown for guidance only. Pricing and leverage vary depending on jurisdiction, currency, borrower profile, and the overall transaction structure.
