01 / 03
Spain / Portugal
Services / International Property
Five markets.One clear crossing.
Buying abroad brings a different lending culture, legal process and pace in every country. OMF helps UK buyers understand the finance route and coordinates the mortgage conversation in clear English.
5European markets in one specialist network
Englishfrom first brief to lender route
Localcriteria respected in every country
Choose the place, then the route
The dream is visual.
The finance is local.
Spain, Portugal, France, Italy and Greece each assess borrowers, property and documentation differently. The useful first step is not a generic rate search—it is understanding the local route behind the property you want.
Who it’s for
- UK residents planning a European holiday home or permanent move.
- Buyers comparing more than one destination before committing.
- Clients who want an English-speaking broker to coordinate specialist lender conversations.
Five countries, five lending cultures
Cross-border.
Never generic.
Always
explained.
Keep scrolling through three ways the international route changes shape.
Sun, coast,
From the Spanish costas to Lisbon, Porto and the Algarve, the lender fit depends on residency, income, deposit and the property itself.Compare the country routes ↗
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France / Italy
Character homes.
Country detail.
Historic, rural, Alpine and city property can each bring different valuation and lender questions. The finance needs to follow the real asset.Explore France and Italy ↗
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Greece / Islands
Niche market.
Specialist route.
Island and mainland purchases can call for a narrower lender search and careful coordination with the local buying process.The international route
Four crossings.
One joined-up brief.
The local mortgage sits inside a wider property purchase. OMF keeps the finance conversation connected.
Country and property
Share the destination, property type, use and indicative purchase price.
CLIENT / PLACEResidency and income
Build a clear picture of residency, currency, deposit and existing commitments.
CLIENT / PROFILESpecialist lender fit
Identify realistic lender and documentation routes for that country and case.
OMF / ROUTECoordinate the milestones
Keep the mortgage work aligned with valuation, legal and completion stages.
LOCAL / CLOSEStart with the country
Pick the coast.
Then test the route.
Our country guides bring the five markets together before you narrow the search with an adviser.
Explore all five countries↗Overseas lending criteria and availability vary by country, lender, borrower and property. Some forms of overseas mortgage are not regulated by the Financial Conduct Authority.At a glance
The essentials,
held together.
- Markets covered
- Spain, Portugal, France, Italy and Greece.
- What varies
- Lender appetite, documentation, valuation and the local buying process.
- How OMF helps
- English-speaking coordination around a country-specific finance route.
- Regulation
- The FCA does not regulate some forms of overseas mortgage.
International property questions
Questions?
Answered.
01Can a UK buyer arrange a mortgage in Europe?
Potentially, yes. Eligibility, deposit, income treatment and the available lender route vary by country and personal circumstances.
02Should I choose the property before discussing finance?
An early finance conversation can help you understand the realistic price and documentation route before you commit to a purchase.
03Is an overseas mortgage FCA regulated?
Not always. The Financial Conduct Authority does not regulate some forms of overseas mortgage, and OMF will explain the status of the route being discussed.
The property is abroad. The brief stays close.
Found the view,
or choosing the country?
A free conversation can turn the destination, budget and income picture into a practical next step.
Free first conversationFive country routesClear English throughout
