International Mortgage Guide & Calculator
Buying property abroad is exciting — but financing it can be confusing. Mortgage rules vary by country, lender, and buyer nationality. This guide explains how international mortgages work and lets you estimate monthly payments instantly.
1. What Is an International Mortgage?
An international mortgage is a loan used to buy property in a country where the buyer is not a resident. Common buyers include holiday home investors, expats relocating, retirees, and cross-border investors.
2. Can Foreign Buyers Get a Mortgage?
Yes — but requirements are stricter than domestic loans.
- Deposit: typically 25–40%
- Proof of income and tax returns
- Credit history checks
- Currency risk review
3. Where Do Buyers Get International Mortgages?
- Local banks in the country you are buying
- International banks such as HSBC or Santander
- Specialist mortgage brokers
4. Hidden Costs to Budget For
- Legal fees
- Valuation fees
- Property taxes
- Currency exchange costs
- Insurance
5. Fixed vs Variable Mortgages
Fixed: predictable payments.
Variable: lower starting rate but can rise.
6. Currency Risk
If your income is in GBP but your mortgage is in EUR, exchange rates affect payments. Many buyers choose same-currency loans or hedge currency risk.
Mortgage Calculator
Tips for Getting Approved
- Prepare documents early
- Use a broker familiar with foreign buyers
- Show stable income history
- Get pre-approval before searching
- Keep deposit ready
Need Help Finding Property and a Mortgage to Go with it?
Explore global listings on IPD and connect with agents and developers worldwide.
Why Use Planning Tools?
- Understand realistic price ranges
- Compare global markets objectively
- Explore ownership scenarios
- Identify important research questions
- Plan long-term investment strategy
Important Note
These tools provide general guidance for exploring luxury property markets. They are intended as planning resources and should be used alongside professional advice when evaluating specific investments.