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Leading International Mortgage Brokers

An international mortgage is a loan secured against a property in a country other than where you live.

Enness’ core markets are:

  • The United Kingdom
  • France
  • Spain
  • Switzerland
  • The Channel Islands
  • Austria
  • Prime American cities
  • The Caribbean

With access to more than 500 lenders and supported by a deep knowledge of international property financing, Enness can technically arrange overseas mortgages anywhere in the world.

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International Mortgages

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:

  • Mortgages for a principal residence
  • Mortgages for a second home
  • Mortgages for holiday homes
  • Refinance and equity release
  • Construction and development finance
  • International bridging loans
  • Cross border mortgages
  • Offshore mortgages
  • Multi-currency solutions

High-Value French Mortgages For Non-Residents

French property remains some of the most desirable and sought-after in the world. While the sunny climes of the south make for an ideal location for a second home or a holiday property, the Alps also draw many investors.

The allure of Parisian property has also played a significant role in the development of the French mortgage market. Paris naturally attracts domestic investors, but expats and international buyers are also drawn by the beauty of the city and the opportunities for lucrative returns on investment property.

For non-residents, securing property finance in France can be challenging, particularly if you wish to buy high-value real estate. With unparalleled experience brokering high-value mortgages for French properties of €1m and upwards, Enness adds tangible value for prime, luxury and top-of-the-market real estate purchases.

Enness hand-builds finance packages for every client from scratch and will structure your French mortgage to suit your personal situation. The team can source and negotiate mortgages anywhere in France, with a primary focus and expertise on brokering property finance in the following regions:

  • Côte d'Azur (particularly St. Tropez)
  • Paris
  • The French Alps

Monaco Mortgages

Monaco is often described as a “billionaires playground” and is home to some of the most expensive real estate on the planet. Despite its size (Monaco is smaller than New York’s Central Park) property costs an average price of €48,000 per square foot.

Monaco’s property finance system is unique. It isn’t unusual for properties not to even make it to market before they are sold. Deals move quickly, and anyone buying property in Monaco will need a finance solution that can match the transaction speed. If you’ve found a property you want to buy, be warned: lengthy negotiations with lenders and question marks about finance regularly leave would-be buyers empty-handed. Liquidity is central to a successful buying experience in Monaco.

Enness is one of the leading mortgage brokers for Monaco property finance. Leveraging their know-how of the local property market and their contacts with domestic and international lenders, Enness will deliver the most competitive Monaco mortgage package.

Enness will open doors for you in Monaco and will create a finance package structured to meet your every need, whether you are buying a Monte Carlo pied-a-terre or a beachfront apartment in Larvotto.

Swiss Mortgages For Non-Residents

From bases in Zurich and Geneva, Enness works with local and international lenders to offer a comprehensive range of property finance in Switzerland.

Investors are spoilt for choice when it comes to the variety of luxury property on offer in Switzerland. Property prices remain steady, making Swiss real estate an appealing investment for non-residents who are often drawn to some of the best ski slopes in Europe. Most non-residents are in the market to buy ski chalets in tourist areas, given Switzerland restricts where non-residents can purchase real estate. Verbier, Grindelwald, Crans-Montana and St. Moritz remain popular for non-residents. Switzerland’s world-class dining, shopping, and health facilities also add to the country's appeal.

Spanish Mortgages

Property investors predominantly buy Spanish real estate to add a second home or holiday property to their portfolio. Spain’s 3000 hours of sunshine a year, rich local culture, food and access to luxury amenities only serve to make Spain more attractive. As well as popular haunts like Marbella and the length of the Andalusian coast, the Balearic Islands also draw ultra-high-net-worth investors. Some of Spain's most luxurious properties are found on Ibiza, and investors regularly snap up prime real estate on the island.

Spain offers few restrictions on who can buy property in the country, but while eligibility is rarely a challenge, getting a competitive mortgage from a domestic lender will be less straightforward. Enness will deliver a Spanish property finance package that is both tax-efficient and cost-effective and with headline mortgage costs as low as possible.

Portuguese Mortgages

Prime 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 of 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, particularly those from Latin America, although Asian and Middle Eastern buyers have also been drawn to the country. 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.

Channel Islands Mortgages

Not everyone is eligible to buy a property in the Channel Islands, and you will need to have specific clearances to be able to buy real estate in either location. Broadly speaking, your ability to buy will depend on where you were born, your working situation and your wider profile. However, both Jersey and Guernsey are keen to offer residency to high-net-worth individuals, and the respective governments offer a path for eligible candidates to secure entitlement to buy on the island, thus providing a viable path to buying high-value property.

Whatever your scenario, liquidity is essential for purchases in Jersey or Guernsey. Demand far outstrips supply and with limited housing available, you are unlikely to find a wide variety of “must-have” property on the market at any one time. Having the finance available that allows you to move quickly, make an offer and secure the property you want to buy is imperative, even at the top of the market.

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Which Lenders Offer International Mortgages?

Many UK banks offer international mortgages, and these can be ideal if you are based in the UK (either as a resident or citizen). However, financing a foreign property can be challenging. Not every UK bank will lend for an international property purchase, and often, non-UK based lenders or alternative lenders will offer a more competitive deal. Similarly, if you are not based in the UK and are looking to buy property elsewhere than the UK, a UK lender won’t necessarily be your best option.

Getting the best property finance is rarely a case of simply approaching your existing bank and asking for a mortgage. Some banks don’t offer property finance. Others do, but they only lend for domestic real estate purchases. In other cases, your bank can cater to you, but they may not offer the cheapest finance.

Enness will work to secure the most competitive rates and terms for your mortgage, wherever you are buying and however much finance you need.

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