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Expatriates buying Overseas

Buying property Overseas


As an expatriate, you may come across opportunities to buy property overseas.

This could be the ideal property for your home or as a holiday home or buy to let.

You may be able to arrange finance locally. However discussing mortgage deals, in a foreign language where local charges, rules and regulations apply, can lead to misunderstandings and you may end up with something you are unhappy with.

A much better way is to arrange your finance at a distance. Employ an English speaking broker who is experienced in arranging finance in the country where you are buying.
We can help. We have a partnership with the leading English speaking brokerage who specialize in arranging mortgages on properties all over the world. Over the years they have helped thousands of people to buy their home. Whether you’re buying a holiday home for pleasure or letting, retiring or moving abroad, or already own a property overseas, they can secure the best deal for you at the best rate.

FREE pre-qualification of your mortgage applicationIndependent valuation of your property and legal adviceUseful tips on buying overseasAdvice on every step

Excellent value for moneyBefore you spend time house hunting or go on an inspection trip, get your finance pre-approved?

A FREE Approval in Principle shows you can borrow the money and gives you a head-start on your mortgage application.

If you already own a property abroad, our remortgage service can help you to get a cheaper mortgage or release the equity within your overseas home to reduce your outgoings or invest in another property.

Please complete the enquiry form


Most lenders allow the rental of a property they are mortgaging. Certain conditions may apply and can vary by lender

How long will I have to wait to find out how much I can borrow?

We offer a free 'decision in principle' service, where you can find out how much of a mortgage is generally available to you. This service can be accessed via the website and takes no more than a few days

Are there ways I can use my UK property to fund the purchase?

There are significant benefits in having a mortgage through a lender based in that country.

However you can reduce the size of your mortgage by putting down a larger deposit. This can be facilitated by remortgaging your UK property.

How long does it take to arrange a mortgage?

This can vary significantly by country and mortgage lender but broadly we aim to process the application within a week, subject to the applicant being able to provide all the details we need. It is then submitted to the lender for approval

How do I apply for a mortgage?

Please complete the attached enquiry

Is it better to buy in the local currency or in Sterling?

Generally it's recommended to take out a mortgage in the same currency as you earn where available. However, if the intention is to rent out the property it may be beneficial to take out a mortgage in the local currency to avoid currency fluctuation costs.

What additional costs above the purchase price should I allow for?

This depends on the country however it's usually best practice to allow for additional costs such as Legal fees, local or government purchase taxes, arrangement fees, surveyors costs, title searches and deed amendments etc. We generally suggest our clients allow an additional 10-15% on top of the purchase price to allow for these 'extras'

How will I know how my mortgage is progressing?

A dedicated adviser will handle your mortgage application and will provide regular updates. You can also track the progress of your mortgage online at your own convenience.