Getting a mortgage abroad


If you are looking for a mortgage to buy a property overseas, then each country will be different with its own rules and regulations for overseas borrowers, making working with a specialist mortgage broker a good idea. A mortgage broker like A Place in the Sun Mortgages will be able to help with the process of securing a mortgage and explain what you need to do to satisfy the laws of the country you’re buying in.

It’s sensible to speak to a specialist early on in the purchase process and to obtain an agreement in principle (AIP) from the lender you will use – which is free. Crucially this will give you a clear idea of how much you can borrow from the outset so you don’t waste time looking at properties you can’t afford and will demonstrate to the estate agent or vendor that you are organised and serious.

A Place in the Sun Mortgages is a friendly, professional and transparent independent mortgage broker. We offer advice on mortgages in Spain and Portugal to clients from around the globe. We negotiate preferential terms and bespoke mortgage solutions with all the main Spanish and Portuguese lenders.

Understanding how much your property is going to cost and ensuring you can afford it is also very important – it is much better to buy a property within a budget you are comfortable with than over-stretch yourself.

If you're seeking help with a mortgage in Spain or a mortgage in Portugal, please fill in the form on this page and our team from A Place in the Sun Mortgages will be in touch to help you with the mortgage application process.

If you’re looking for a mortgage in France, Turkey, or USA find out more by reading our country-specific mortgage advice, below.

Read our country specific mortgage guides: