UK & international mortgages
Your place in the sun.Or just more roomat home.
Wherever you're buying — the UK, Spain, Portugal, France, Italy or Greece — one friendly expert finds your mortgage and handles the rest.
Free, no obligation. A real person replies within a day.
FCA-regulated advice
250+ lenders across the UK and Europe
250+ lenders across the UK and Europe. We find the one that says yes to you.
Why OMF
You find the place.We make it yours.
A home in Spain. A flat in Lisbon. The house your family actually fits in. Since 2012 we've been turning “could we?” into keys in hand.
You get one friendly expert who knows exactly which lenders suit you — and handles everything, in plain English, from first call to moving day. Self-employed? Paid abroad? Buying overseas? Perfect. That's what we do best.
Tell us your plan
The view is the dream. The mortgage is our job.
250+
UK & international lenders
24h
First response target
FCA
Regulated advice
1:1
One dedicated broker
Where OMF helps most
Wherever you're buying, we've done it before.
01Buying in the UKYour first home, your next one, or a better rate on the one you've got.
02Buying in EuropeSpain, Portugal, France, Italy, Greece — we arrange it all in English, start to finish.
03Buy-to-LetFrom your first rental to a growing portfolio. We find lenders who back investors.
04Complex incomeBusiness owner? Bonuses? Various currencies? Whatever the case, we find a solution.
05Bridging & developmentFast, short-term finance when timing matters — a renovation, a broken chain, a project.
How the process works
Four steps to the front door.
- 01
Tell us the dream
15 minutesThe villa, the flat, the bigger garden. One relaxed call and you'll know what's possible — usually within a day.
- 02
We find your lender
Same dayWhile you browse listings, we match you with the right lender from 250+ across the UK and Europe.
- 03
Your offer arrives
2–4 weeksA deal worth signing, explained clearly. No surprises, no small print you haven't seen.
- 04
Pick up the keys
4–8 weeksWe handle the final details. You plan the housewarming.
Real words, from real clients
People like you, already home.
“We were buying in Spain with income in different currencies and expected a painful process. OMF made it feel straightforward and lender-ready.”
London / Marbella
“Clear, calm guidance from the first call. We always knew what was happening next and which lender options were realistic.”
Lisbon
“Our case involved business income and private banking introductions. The advice felt precise rather than sales-led, which made a real difference.”
Dubai / UK purchase
Reviews are genuine client feedback, lightly edited for length.
Free guide
Dreaming of a place abroad? Start here.
Our free guide covers everything — deposits, costs, timelines, and the mistakes to avoid. Ten minutes now saves months later.
What's inside the guide
- What UK buyers can borrow post-Brexit (LTV, rates & terms)
- The true cost breakdown — taxes, fees & hidden charges
- Step-by-step buying timeline from consultation to keys
- 12 costly mistakes that catch first-time overseas buyers
- Currency strategies that save thousands on your purchase
- Printable pre-purchase checklist for Spain, Portugal & more
No spam, ever/FCA-regulated guidance with access to 250+ UK and European lenders.
Mortgage Calculator
What would it cost each month?
Slide the numbers and see. It takes thirty seconds and there's no sign-up.
Capital & Interest
£2,126
per month
Interest Only
£1,434
per month
Total to borrow:
£382,500
Total interest (repayment):
£255,318
Total interest (interest only):
£430,313
Total to repay:
£637,818
This is an estimate for illustrative purposes only.
This calculator provides an estimate for illustration only. For a personalised, lender-ready assessment, get your free mortgage quote above.
FAQ
Questions? Answered.
Yes — and it's easier than you'd think with the right help. European banks happily lend to UK buyers; we introduce you to the ones that suit you and guide you through in English.
In the UK, usually 20–25% (sometimes 15%). Abroad it's more: around 30–40% in Spain, 30%+ in Portugal, 20–30% in France, 40%+ in Italy or Greece. We'll give you your exact number on the first call.
Allow roughly 10–13% on top in Spain, 6–8% in Portugal, 7–8% in France, and 8–10% in Italy or Greece for taxes and legal fees. We'll walk you through every cost upfront — no surprises later.
Very likely, yes. This is our speciality — we know exactly which lenders welcome business owners, bonus earners and international income.
Yes. We arrange UK mortgages for Brits overseas and international buyers all the time — often without a current UK credit history.
Yes. Plenty of UK lenders welcome international buyers — the trick is knowing which ones. That's our job.
A local bank shows you their products. We compare the market for you, handle it all in English, and coordinate both countries at once — one friendly contact instead of five.
Yes — many of our investor clients do. We arrange these regularly and work happily alongside your accountant.
Your first consultation is free — an honest chat about what's possible. If you go ahead, our typical fee is 1.5% of your loan, payable only once your mortgage is offered.
A real person calls you back within a working day. From there, one expert stays with you all the way to the keys.
Overseas Mortgage Finance Limited is a credit broker, not a lender. The Financial Conduct Authority does not regulate some forms of overseas mortgages, business buy-to-let or commercial mortgages to limited companies.
Ready when you are
Tell us about the placeyou have in mind.
Even if it's just an idea. One free call and you'll know exactly where you stand.
Free first chat, no obligation
One expert with you to the keys
250+ lenders across the UK & Europe
FCA-regulated advice
Prefer email first? Write to info@globalomf.com and we'll point you to the right broker.
Relationship-led advice
Finance handled with more warmth, clarity and discretion.