UK & international mortgages

Wherever life leads, we’ll find the way home.

Whether you’re buying in the UK, Spain, Portugal, France, Italy or Greece, OMF’s friendly experts will find your ideal mortgage and guide you all the way to completion.

250+lenders across the UK & Europe
24htarget for your first reply
FCAregulated UK mortgage advice
Explore

Where OMF helps most

Six ways
forward.
One expert
throughout.

Keep scrolling. Start with what you need; we’ll take care of the complexity.

A refined British townhouse facade
01 / 06

Home / UK

UK
Property

First home, next move, or a UK purchase from abroad—matched across 250+ lenders. Explore UK mortgages
Rocky Atlantic cove with clear blue water
02 / 06

Cross-border / Europe

International
Property

Property across Europe and beyond, handled in plain English from first call to completion. Explore international property
A quiet British residential mews
03 / 06

Invest / Landlords

Buy-to-Let
& Investment

Finance for first-time landlords, growing portfolios, holiday lets and limited-company purchases. Explore investment finance
A composed British residential interior
04 / 06

Refinance / Equity

Remortgaging
& Equity

Switch rates, raise capital or unlock equity with advice shaped around your plans. Explore remortgaging
An orderly mortgage-planning desk with several document folders
05 / 06

Specialist / Income

Complex
Income

Self-employed, contracting or paid in several currencies? We know which lenders understand the full picture. Explore complex income
A refined residential refurbishment in progress
06 / 06

Short-term / Projects

Bridging
& Development

Fast, flexible finance for auctions, renovations, broken chains and property development. Explore bridging finance

Your route, held together

Four crossings.
No loose ends.

Your broker stays with the detail from “could we?” to keys in hand.

0115 minutes

Tell us the life you want

We listen, test the idea and give you an honest first view.

OMF / BRIEF
02Same day

We translate the complexity

Residency, currencies and income become one clear lender story.

OMF / MATCH
032–4 weeks

The right offer emerges

We compare the substance—not just the headline rate.

OMF / OFFER
044–8 weeks

Pick up the keys

We coordinate the details while you plan the first arrival.

OMF / HOME

Mortgage lab

Touch the numbers.
See the possibility.

An illustrative estimate—live, tactile and private.

Estimated monthly payment
£1,751 per month
Mortgage
£315,000
Deposit
£135,000
Total interest
£210,262
£450,000
£100k£3m
30%
10%60%
4.50%
2%12%
25 years
5 years40 years

Illustrative only—not a mortgage offer. Rates, fees, taxes and eligibility vary by lender and country.

Mediterranean home reflected in a still pool

We expected borders, currencies and paperwork. What we got was one calm conversation at a time.

Sarah & JamesLondon → Marbella

FAQ

Questions?
Answered.

01Can British buyers still get a mortgage in Spain, France or Portugal?

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.

02How much deposit do I need?

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.

03What extra costs should I plan for when buying abroad?

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.

04I'm self-employed or paid in another currency. Can I still get a mortgage?

Very likely, yes. This is our speciality — we know exactly which lenders welcome business owners, bonus earners and international income.

05Can I get a UK mortgage while living abroad?

Yes. We arrange UK mortgages for Brits overseas and international buyers all the time — often without a current UK credit history.

06Can foreign nationals buy UK property with a mortgage?

Yes. Plenty of UK lenders welcome international buyers — the trick is knowing which ones. That's our job.

07Should I use a local bank abroad or a UK-based broker?

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.

08Can I buy through a limited company?

Yes — many of our investor clients do. We arrange these regularly and work happily alongside your accountant.

09What 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.

10What happens after I enquire?

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.

Whenever you are ready

Take the thought.
Make it a place.

A free conversation is enough to know where you stand.

Free, no obligationReal reply within a dayFCA-regulated advice