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Bungalow with a lovely lake in the Gironde

This 3 bedroomed lakeside property is in a great location, only 7 minutes to Libourne. (a Bastide City on the Dordogne River) The property is in a hamlet location and the property is well maintained... Prices From: £313,853

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Overseas Mortgages

There are over 275,000 people from the UK already overseas property owners and this figure is set to climb a lot higher in the coming years according to the Office of National Statistics.

Therefore, it is imperative to make the right choice when considering how to finance your overseas property purchase. Overseas mortgage lenders abroad are becoming very competitive so be selective in your choices.

In addition to absorbing the information set out in our Buyers Guides it is most important to study the overseas mortgage broker's facilities available to you as an overseas buyer. We have deveised a guide to help you select the right options when considering applying for an overseas mortgage. Browse through our Overseas Mortgage section at your leisure and Contact us if you have any questions.

Overseas Mortgage Brokers and Lenders

For many UK investors, purchasing overseas property has become increasingly popular. Finding the best 'deals' from a UK property is getting harder, so some investors are looking further a-field to find the next big real estate opportunity.

The more familiar territories such as Spain and France remain very popular, but investors are becoming braver and venturing into new territories such as Eastern Europe, South Africa and China to name but a few.

In the UK we are used to a wide choice of mortgages such as 100% lending, Buy-to-Let, Let-to-Buy, self-certification, credit impaired, interest only etc. However most overseas markets are nowhere near as developed or as flexible. You may have wandered down the high street and discovered names such as Halifax and Abbey have lending arms to assist with lending in Spain and France retrospectively, but try to find a high street lender willing to consider a mortgage in Croatia or finance in Dubai and you could be searching a long time!

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So should you decide this is the investment for you, how do you finance the purchase? Until recently, many countries were only for cash rich buyers.

If you have equity in your UK residence, you may be able raise money this way to fund your purchase. This however can be quite restrictive particularly if you wish to fund several properties and a bigger problem if you have already used that equity to build a UK portfolio!

Many of the countries local banks have recognized the demand and are beginning to show an interest in lending to UK and other foreign investors. It's not as easy as its sounds however, as these mortgage products invariably have to be created from scratch. Our overseas mortgage partners have been at the forefront of encouraging this lending in areas such as Hungary, Bulgaria and Croatia. Negotiations are often lengthy and frustrating, as many of these countries do not operate at the 'pace' we are used to in the UK, but Rome wasn't built in a day!(they lend there too)

Our Niches We are able to assist you with an overseas mortgage in over 48 Countries abroad. We are particularly proud to be among the first to offer overseas mortgages in Eastern Europe including mortgages in Hungary, mortgages in the Czech Republic, Slovakia, Bulgaria and Turkey with others being added regularly.

Overseas Mortgage Quotes

Where do you start? Please complete your details at the bottom of this page and one of our specialist advisers will contact you to discuss your requirements.

Approval in Principle For all countries we are able to offer an approval in principle service. We will ask you to complete our confidential information form. This provides us with sufficient information about your finances to advise you of the likely hood of obtaining finance. In some cases we can obtain a formal approval in principle directly from the lender which is particularly comforting for new build purchases where you need to commit to a purchase way in advance of applying for the mortgage.

What happens next? If you wish to proceed, we will send you a full application pack. Any required application forms will be pre-populated with the information you have already supplied. We will supply you with a specific document requirements checklist and additional information and tips about your purchase.

During the purchase Once you have returned you application to us, as well as processing the application, we will provide you with guidance on the whole process. We will monitor your application with the lender closely and provide you with regular updates and explanation of any terms when the offer is produced. We will liaise with your other chosen professionals to help with your understanding of the complexities of your purchase such as buying through a company, residency permits, taxation issues, life cover assignment etc.

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Additional Services As with the UK, you will be required to insure the property. Many Overseas mortgage lenders also insist on Life Cover. In some cases an existing plan may be used if it meets the minimum requirements. It is important this issue is not left too late, as you may be unable to complete on your purchase until cover is in place, which can sometimes be delayed by requirements for medical information. Our recommended independent advisers can provide specific advice.

Our Fees Variable but start from £395 on mortgage application and 0.5% of the mortgage (minimum £500) on sucessful completion.

Overseas Mortgage Lenders

We feature a select few when it comes to reccommending mortgage brokers and lenders from the UK. This can be an easier way to arrange your finance or mortgage requirements before you begin your search. Listed below are some of the advantages to using some of the companies we reccommend.

  • More than 200 residential overseas mortgage products available in over 30 countries worldwide including Bulgaria and Turkey
  • Over 10 years of trading and 20+ staff experienced in conducting business with overseas and foreign lenders
  • Fully independent with more overseas mortgage brokers and lenders and more choice
  • Competitive and exclusive overseas mortgage terms
  • In some countries, no final arrangement fee charged by us for organising the overseas mortgage
  • At no cost, can internally pre-qualify your application financially, thereby saving any wasted inspection flights
  • Can save you time and costs (ie: phone, fax and postage) in both exploring and finding a possible lender
  • In-house processing and dedicated underwriting team for each country ? who are fully aware of what documentation the lender requires, their lending criteria and how to present the application, which ensures a faster mortgage offer
  • The use of our extensive database of other relevant professionals such as lawyers, surveyors, currency exchange and offshore company formation experts

Contact Us For a Quote

Contact us with your requirements to receive a quotation on mortgage facilities from over 8,500 UK providers or a select number of overseas banks and mortgage facilitators.

Overseas Mortgage Deals

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