Overseas Mortgage Broker

If you're looking for an overseas mortgage, find out about our advisors and how they can assist UK buyers in purchasing homes abroad.

Home Overseas Mortgages Overseas Mortgage Broker
Pete Mugleston

Author: Pete Mugleston

Mortgage Advisor, MD

Updated: March 11, 2024

If you’ve been looking into your options for buying property abroad, you may have already explored the possibility of overseas mortgages. But what you may not know is that there are also specialist international mortgage brokers who can help with your plans.

This guide covers everything you need to know about overseas mortgage advisors and how they can assist UK buyers in purchasing homes abroad. We’ll explain how much it costs to use these brokers and where you can find a skilled advisor.

Keep reading for a complete explanation or click on a link below to jump straight to a section…

Are there specialist overseas mortgage brokers?

Yes! Just like there are specific international mortgage lenders, there are also mortgage brokers who focus on overseas property purchases.

Most lenders and advisors don’t want to be involved with buying foreign property, but a small number of advisors have direct experience in this area. This proven track record also means close relationships with international mortgage providers.

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Services these advisors can offer

There are numerous benefits when using a specific overseas mortgage advisor. Past experience securing finance for UK buyers looking to purchase foreign or offshore property means they can also assist with your goals. Here’s what you can expect by making the most of a bespoke international broker’s services:

  • Exclusive access to overseas mortgage deals: the ability to access unique overseas mortgage products and international lenders who do not advertise to the general public.
  • Expert knowledge: a specialist overseas mortgage broker will have a deep understanding of property markets at home and abroad.
  • Tax: an experienced advisor will be able to help you get up to speed with international tax rules.
  • Holistic approach: because an expert broker can take a look at your complete finances, they can advise whether a mortgage is the best option or if another type of financing would be better.
  • Tailored deal: using a specific international mortgage broker means you can access unique borrowing arrangements that can be tailored to your circumstances.
  • Best rates: not only is it a proven way to find international mortgage providers, but using an experienced overseas mortgage broker will also mean getting the best deal and rates.
  • Credit guidance: your credit profile will play a role and if you download all your credit reports, your broker can help evaluate your scores, showing you what international lenders want (and don’t want) to see.
  • Introduction to the right lender: introducing you to an appropriate international lender that suits your needs (e.g. remortgaging to buy abroad, overseas buy-to-let, self-employed income source, bad credit history, holiday home, Airbnb property etc.)
  • Regulated: dealing with an expert broker based in the UK means regulatory protection from the FCA (Financial Conduct Authority) and the Financial Ombudsman Service.

How to find a broker who can help with an international mortgage

There aren’t many specialist overseas mortgage brokers here in the UK, which can make finding a top advisor difficult. This is where we can help. We work with a network of brokers who are experts in particular areas of finance, meaning we can introduce you to a fully-vetted advisor who specialises in international mortgages.

The major benefit of dealing with an experienced advisor from our network is that we can guarantee they will be independent, qualified, accredited, and provide you with a level of service you won’t find elsewhere. Many of the advisors we work with also have direct relationships with overseas mortgage lenders, allowing you to benefit from their expertise.

This means they can introduce you to the right finance provider from day one, saving you plenty of time and effort. If you’d like to speak with an overseas mortgage specialist based in the UK, just make an enquiry. We’ll introduce you to your ideal international mortgage broker for free.

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Country-specific brokers

The country where you’re looking to buy property can narrow down your choice of brokers and overseas mortgage lenders. Rules and regulations for home ownership can vary wildly, so it’s well worth speaking to experts who understand that particular market.

For example, there are international brokers and lenders who focus on individual countries such as:

Don’t fret if the foreign country where you want to buy property isn’t on this list, there are still brokers who can help find solutions. The mortgage application and approval process operates differently across various regions and currencies, so it’s well worth dealing with experts who understand the specific property market you want to access.

Cost and fees for an international mortgage advisor

You may be wondering how much this expert service costs. Well, it’s not as much as you might think. Most international mortgage brokers will only take a fee if they’re successful in getting your ideal overseas mortgage. This fee often ranges from 0.3% to 1% of the total finance, but it can be higher depending on the complexity of your deal.

A small number of brokers will also charge a flat fee for certain services. However, the major upside is that any money spent towards specialist broker services will often be more than recouped by getting a competitive international mortgage that will save you plenty of money over the life of the loan.

The major advantage of finding your overseas mortgage expert through us is that all the brokers we work with adhere to our ‘fair-fee’ policy. This means strict limits on what they can charge for, and a commitment to a total refund if they don’t get your international mortgage approved.

Get matched with a specialist overseas mortgage broker

Using a specialist overseas mortgage broker is a necessity if you want to buy property abroad and get the most competitive finance terms available. But, finding a trusted and experienced advisor can be challenging, which is where we come in.

We offer a free broker-matching service. This means we’ll quickly assess your foreign property purchase plans and then introduce you to an expert international mortgage broker that can help achieve your home ownership goals.

Just call 0808 189 2301 or make an enquiry. We’ll arrange a free, no obligation chat between you and an overseas mortgage specialist today.

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for Online Mortgage Advisor of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

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