Services - Mortgages

Hamptons International Overseas Mortgages is an independent brokerage with access to exclusive products and extensive experience of dealing with overseas lenders.

We offer free advice initially and can agree a mortgage in advance of purchase. And we won’t leave you dangling there - we can assist with your mortgage administration right up to the point of completion.

Arranging your finance early on means that you can enjoy searching for your ideal international home or investment, secure in the knowledge that you qualify for a mortgage.

We can also put you in touch with related services, such as lawyers and currency exchange services.

Frequently Asked Questions

How can I arrange a mortgage to finance a property purchase overseas?

You have two options.

1. Secure an overseas mortgage on the property that you intend to purchase. In Europe, for example, you will find that interest rates are lower than those currently available in the UK.

2. Alternatively, if you have equity available in your UK property you may wish to release this to finance the purchase.

Always consider exchange rates. A local currency mortgage will match your asset and liability, however exchange rate movements could increase or decrease the Sterling equivalent of your debt if you decide to sell the property and convert any gains back into Sterling.

With an overseas currency loan your mortgage payments would also need to be made in the local currency. Again your monthly mortgage payment could increase or decrease subject to currency fluctuations.

There are some mortgages available in Sterling but secured on your overseas property.

What problems am I likely to face when trying to arrange an overseas mortgage?

Language and cultural barriers deter most people from trying to arrange an overseas mortgage themselves. As a specialist overseas broker we can work on your behalf with a variety of lenders.

Lending outside the UK is generally more stringent than at home, so do not expect the same rules to apply. You will need to supply full supporting documentation confirming your income – lenders will want to see payslips, P60’s and tax returns.

Why use a broker who specialises in overseas mortgages?

As an overseas broker with access to a wide panel of local and international lenders we can provide you with a choice of mortgages to suit your circumstances. A consultant will also be on hand to discuss options and guide you throughout the process.

To discuss your mortgage requirements in detail contact the Hamptons office in the country you wish to purchase in or call us on +44 (0)20 7758 8447.

Mortgages secured on overseas property are not regulated by the FSA. The liability of your foreign currency mortgage in your original currency may be increased by exchange rate movements.