Mortgage services UK & overseas mortgages, arranged end to end.
A first flat in Manchester or a farmhouse in Provence—one broker builds the plan, deals with the lender and keeps everything in plain English.
The index
Nine specialist services.
Start with the one that sounds like you.
You do not need to diagnose the mortgage first. Choose the closest fit and we’ll clarify the rest.
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01 / 09
UK Property Mortgages
Finance for your UK property purchase, wherever you live. First-time buyers · Home movers · Non-UK residents -
02 / 09
International Property
Mortgages across Spain, Portugal, France, Italy and Greece. Local lenders · English-speaking process · Overseas costs -
03 / 09
Buy-to-Let & Investment
Investment property finance for landlords and investors. Portfolios · Holiday lets · HMOs · Limited companies -
04 / 09
Remortgaging & Equity Release
Switch to a better rate or unlock equity from your property. Rate switching · Capital raising · Lifetime mortgages -
05 / 09
Complex Income Solutions
Tailored lending when your income does not fit standard boxes. Self-employed · Multi-currency · Portfolio directors -
06 / 09
Bridging & Development Finance
Short-term finance for projects, auctions and broken chains. Bridging loans · Refurbishment · Ground-up development -
07 / 09
Expat Mortgages
UK mortgages for British expats living and earning abroad. Foreign income · Purchase & remortgage · Expat buy-to-let -
08 / 09
Foreign National Mortgages
UK property finance for foreign nationals and non-residents. Visa holders · Non-residents · Private banks -
09 / 09
Large Loans & High-Net-Worth
Large and structurally complex mortgage cases, handled discreetly. Large loans · Asset-backed · Complex structures
Our process
A clear path
to your new home.
Four simple steps from first conversation to keys in hand.
↓︎Select a threshold to explore
FAQ
Service questions.
Answered.
01Which service is right for me?
You don’t need to know before you call. Tell us what you’re trying to do—buy, let, switch or raise capital—and where. We’ll match it to the right service, and the right lenders, on the first call.
02My plans cover more than one service. Is that a problem?
Not at all—many cases do. An expat buying a UK buy-to-let, or a remortgage that funds a purchase abroad. One broker owns the whole case, so nothing falls between two services.
03Why use a specialist broker instead of going straight to a bank?
A bank can only offer its own products and its own criteria. We work with 250+ UK and international lenders and present your case to the ones most likely to understand it.
04How long does it take?
A first view takes a 15-minute call. The right offer usually emerges in 2–4 weeks, and most purchases complete in 4–8 weeks. Bridging finance is built to move faster.
05What do I need to get started?
Just a conversation. Tell us your plans, your income and your timescale, and we’ll tell you exactly which documents your case needs before anything goes to a lender.
06Can you help if I live abroad or earn in another currency?
Yes. We arrange UK mortgages for British expats, finance for foreign nationals, and lending for multi-currency and self-employed income all the time.
07What does OMF cost?
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.
08Is your advice regulated?
Yes. OMF gives FCA-regulated UK mortgage advice. Some overseas mortgages and business lending sit outside FCA regulation, and we’ll tell you upfront when that applies to your case.
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.
Start where you are
Not sure which service fits?
That’s our job, not yours.
Tell us what you’re trying to do. A specialist broker will map the route before you commit to anything.
