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Mortgages in New York For Non-Residents

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New York Mortgages

New York mortgages

The New York mortgage market is ultra-competitive, hard to access and highly regulated. We help international private clients navigate the complexity and secure the funding they need either quickly and efficiently.

Although highly regulated, we have several excellent routes to market and established partnerships which allow us to obtain market-leading solutions for our clients.

Our team of international mortgage brokers will look at our entire position to define the correct solution to your requirements then handle the entire process on your behalf. 

New York mortgage for non-residents

Non-resident buyers face restrictions that domestic buyers do not, but it's certainly possible for a foreign national to get a mortgage for an investment property in New York. 

Not all banks will lend to foreign investors, but for the ones that do, the procedure is similar to what American buyers go through, with some additional hurdles with regard paperwork and documentation,

For an international buyer, a lender would want to see documents of income, your assets and bank statements, and what other properties you may own, including your primary residence."

One main challenge will be a lack of history in the United States, ordinarily a significant factor in getting approved for a mortgage. As a result, some banks may request letters of good standing from financial institutions instead, as well as a track record of mortgage payments. 

After this, it will be an individual assessment of how much can be borrowed, the terms and conditions and what loan to value can be achieved.

It's much easier for non-residents to purchase a condo than a co-op because the latter often requires buyers to provide financial information that foreign nationals don't have, like past tax returns. Many co-op boards also prefer that you be a full-time resident rather than an overseas investor. 

Condos tend to be way more flexible, so that's likely where you'd want to focus your search. The biggest obstacle of all, though, maybe the same one that troubles New York-based buyers: the deposit – don't expect to achieve a mortgage for much over 60% of the value of the property.

Bridging Finance in New York

Another part of the market which we have significant experience in is bridging finance in New York. The market here is much more individual, open and individual. We access private individuals, hedge funds and private equity houses, all of which will offer bridging loans secured against New York property.

Call us +44 (0) 203 758 9393 or submit your details and a broker will get in touch.

Enness Limited needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at any time. For information on how to unsubscribe, as well as our privacy practices and commitment to protecting your privacy, please review our Privacy Policy.

Case Studies & Articles

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Mortgages
  • High Value Mortgages
  • Bridging Finance
  • International Mortgages
  • Complex Mortgages
  • Specialist Finance
  • Securities-Backed Financing
  • Mortgage Services for Private Client Advisers
Insights
  • Case Studies
  • Blog
  • Press
  • Guides
  • Video Library
  • Webinars
  • Our Best Mortgage Products - February Edition
About Us
  • Overview
  • Testimonials
  • Careers
  • Meet The Team
  • Contact
  • Covid-19 update

Industry News Signup

Keep up to date with all the latest market news and mortgage advice

By clicking “GO” you consent to receiving marketing communication from the Enness Group

Important Information

Enness Limited is directly authorised and regulated by the Financial Conduct Authority.
You can check our details on their public register through fca.org.uk using our firms’ reference number 565120. Registered address: 116 Baker Street, London, W1U 6TS. Registered in England and Wales under Company No. 07760090

Enness (Jersey) Limited is an unregulated company registered in Jersey with the company number 127668. Our registered address is Office 17, First Floor, International Finance Centre 5, The Esplanade, St Helier, Jersey, JE2 3BY.

Enness International SARL is registered in Monaco. It is authorised to conduct activities relating to strategy, business development and public relations with regards to projects in connection with the Enness Group. It does not give banking or financial advice and the information contained on this website is not an invitation to buy or sell securities.

Enness Mortgages LLC is incorporated in the International Free Zone Authority in the United Arab Emirates, under Licence number K54351DCS. It is a limited liability company authorised to carry out mortgage consultancy business within International Free Zone Authority in the United Arab Emirates. Registered address: Kidnah, Block A, Plot 4, Fujairah, UAE. 

Enness (Switzerland) GmbH, who’s registered office is located in Feusisberg Switzerland, is authorised to conduct activities in regards to marketing and business development with regards to projects in connection with Enness Group. It does not give banking or financial advice and the information contained on this website is not an invitation to buy or sell securities.

IF YOU ARE CONSIDERING SECURING OTHER DEBTS AGAIN YOUR MAIN HOME, SUCH AS FOR DEBT CONSOLIDATION PURPOSES, PLEASE THINK CAREFULLY ABOUT THIS AND CONSIDER ALL OTHER OPTIONS AVAILABLE TO YOU. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.

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