Soul Mortgages

0207 993 4210

For further Information:
[email protected]
International clients

International property finance

We advise clients across the UK and around the world: UK mortgages for international buyers, mortgages for property abroad, and bridging finance when speed matters.

Apply for an international mortgageSpeak to an adviser
For international buyers

UK mortgages for international clients

We arrange UK mortgages for clients based anywhere in the world, as well as nationally. We regularly advise UK expats, foreign nationals, non-UK residents and clients with overseas or multi-currency income who are buying or refinancing property in the UK. Through our private banking and specialist lender relationships, we can structure lending that mainstream brokers cannot.

We are able to act for clients in most countries. In line with UK anti-money-laundering rules, we are unable to assist clients resident in, or connected to, high-risk or sanctioned jurisdictions.

Private bank access

Relationships with private banks and specialist lenders for complex and high-value cases.

Complex income

Overseas earnings, multiple currencies, self-employment and retained profits all considered.

Whole of market

From mainstream lenders to niche providers, matched to your circumstances.
Eligibility

UK mortgages for 101+ nationalities

We can arrange UK property finance for nationals and residents of a wide range of countries. Filter by letter or search, and contact us if your country is not shown.

Property abroad

Buying a property overseas

Looking to buy overseas rather than in the UK? We can help you access mortgages abroad by passporting your financial profile, presenting your income, employment and credit history to international lenders in a format they recognise, so you can be assessed and pre-qualified far more easily.

01

Share your profile

A quick, secure summary of your income, employment and credit history.
02

Get pre-qualified

We present it to international lenders and show what you could realistically borrow.
03

Connect with lenders

We introduce you to the right specialist partner and support you to completion.

We work with trusted specialist partners across these markets:

SpainSpain
PortugalPortugal
ItalyItaly
FranceFrance
GreeceGreece
USAUSA
UAEUAE
AustraliaAustralia
Other countries considered case by case. Overseas mortgage services are provided by specialist partners; Soul Mortgages acts as an introducer.
Optional tool

Repayment calculator

A quick guide to monthly costs. Indicative only.

Estimated monthly payment
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For illustration only and not a mortgage offer or advice. Overseas mortgage terms, rates and criteria vary by country and lender. Your home may be repossessed if you do not keep up repayments on your mortgage.

Fast, flexible funding

Bridging finance for international clients

Bridging finance provides short-term, asset-backed lending for time-sensitive situations: auction purchases, breaking a chain, refurbishment, or raising capital against UK property. We arrange bridging for international and non-resident clients, including cases where income sits overseas or across multiple currencies, and we plan the exit alongside your longer-term mortgage.

More on bridging finance
Common questions

International mortgages by country

Answers to the questions we are asked most often about getting a mortgage in Spain, Portugal, Italy, France, Greece, the USA, the UAE and Australia.

Can a UK citizen get a mortgage in Spain?+
Yes. Spanish lenders offer mortgages to non-residents, typically up to around 60 to 70% of the property value, with rates and terms varying by lender and profile. Soul Mortgages helps passport your UK financial profile and introduces you to specialist partners.
What deposit do I need to buy a property in Portugal?+
Non-residents buying in Portugal usually need a deposit of roughly 30 to 40% of the property value, though this varies by lender. We help structure the right finance through trusted specialist partners.
Can I get a mortgage in France as a non-resident?+
Yes. French banks lend to non-residents, often up to around 70 to 80% loan to value for stronger profiles. We connect you with partners experienced in cross-border cases.
Do you arrange mortgages in the USA for foreign nationals?+
Yes. Foreign-national mortgage programmes exist in the United States, usually requiring a larger deposit. We introduce you to lenders comfortable with overseas income and non-US buyers.
Can I buy in Italy or Greece with a mortgage as an overseas buyer?+
Yes. Financing is available in both Italy and Greece for overseas buyers, with deposit levels and criteria varying by lender and region. We help you find the right route to finance.
Can I get a mortgage in Dubai or the wider UAE?+
Yes. UAE lenders offer mortgages to expats and overseas buyers. Loan to value and eligibility depend on your residency status and income. We introduce you to specialist partners in the region.
Can I get a mortgage in Australia from the UK?+
Yes, although foreign-buyer rules and FIRB approval can apply in Australia. We help you understand the process and introduce specialist partners who handle overseas applicants.
Can I use my UK income and credit history to get a mortgage abroad?+
Often yes. We help passport your UK financial profile so overseas lenders can assess you, working through trusted specialist partners. Soul Mortgages acts as an introducer for overseas mortgages.
International Mortgages

Apply for an international mortgage

A few quick questions. We will passport your financial profile to the right specialist lender for property abroad.

Speak to an adviser

Wherever you are in the world, we can help you structure the right finance for UK or overseas property.