01
European purchases
Spain, Portugal, France, Italy and Greece, shaped around cross-border income, currency and residency.
Explore
FCA-regulated mortgage advice
Specialist mortgage advicefor people whose livesdon't fit one box.
Whether you're buying in the UK or abroad, earning across borders, running a business or living overseas, we make complex mortgage decisions simpler.
One specialist broker handles your case from first conversation to completion — comparing suitable lenders and guiding every decision.
Access to 250+ UK and international lenders
FCA-regulated advice
Access to 250+ UK and international lenders, without losing the personal touch.
Personal advice
Specialist enough for complex borrowing.Personal enough to guide you.
Most mortgage cases get difficult when income, residency, currency, property location or ownership structure doesn't fit a standard lender checklist. OMF helps you prepare, position and present your case clearly, so the right lenders can assess it fairly from the start.
You work with one dedicated broker who maps the full picture, keeps you informed at every stage and manages the process through to completion.
Tell us about your case
Dream-property energy, handled with measured, lender-aware execution.
250+
UK & international lenders
24h
First response target
FCA
Regulated advice
1:1
One dedicated broker
Where OMF helps most
Advice designed around real lives, not borrower templates.
- 01European purchasesSpain, Portugal, France, Italy and Greece, shaped around cross-border income, currency and residency.
02UK home movesPurchases, remortgages and buy-to-let for clients who want cleaner positioning and calmer advice.
03Complex incomeContractors, business owners, dividend-led and foreign-currency earners who need lender placement, not guesswork.
04Living abroadUK borrowing for expats and foreign nationals, with advice that accounts for residency and international earnings.
05Short-term & developmentBridging, development finance and specialist transactions for clients moving at speed or structuring bigger deals.
How the process works
Clear steps, from first call to completion.
- 01
Consultation
15 minutesA focused first conversation to understand the property, residency position and income structure.
- 02
Lender shortlist
Same dayWe compare suitable lenders and show where the strongest fit sits before you commit further.
- 03
Application
1–2 daysYour broker guides the paperwork, documents and positioning so the case goes in cleanly.
- 04
Offer progress
2–4 weeksWe stay between you and the lender as underwriting, questions and approvals move forward.
- 05
Completion
4–8 weeksFinal coordination through to offer, legal sign-off and funds moving when everything is ready.
Client perspective
Real reviews from people handling meaningful decisions.
- ★★★★★
“We were buying in Spain with income in different currencies and expected a painful process. OMF made it feel straightforward and lender-ready.”
Sarah & James WilsonUK buyers purchasing in SpainLondon / Marbella 
★★★★★“Clear, calm guidance from the first call. We always knew what was happening next and which lender options were realistic.”
Daniel A.InvestorLisbon- ★★★★★
“Our case involved business income and private banking introductions. The advice felt precise rather than sales-led, which made a real difference.”
M. RahmanInternational business ownerDubai / UK purchase
Reviews are genuine client feedback. To protect privacy, some imagery is representative rather than a literal client photograph.
Not ready to share your details yet?
Take the guide first
Download our guide to buying in the UK, Spain, Portugal, France, Italy and Greece: deposits, currency, tax and lender expectations in one place.
What's inside the guide
- What UK buyers can borrow post-Brexit (LTV, rates & terms)
- The true cost breakdown — taxes, fees & hidden charges
- Step-by-step buying timeline from consultation to keys
- 12 costly mistakes that catch first-time overseas buyers
- Currency strategies that save thousands on your purchase
- Printable pre-purchase checklist for Spain, Portugal & more
No spam, ever/FCA-regulated guidance with access to 250+ UK and European lenders.
Mortgage Calculator
Estimate your monthly payments
Capital & Interest
£2,126
per month
Interest Only
£1,434
per month
Total to borrow:
£382,500
Total interest (repayment):
£255,318
Total interest (interest only):
£430,313
Total to repay:
£637,818
This is an estimate for illustrative purposes only.
This calculator provides an estimate for illustration only. For a personalised, lender-ready assessment, get your free mortgage quote above.
FAQ
Common Questions
Yes. We access specialist lenders who specifically cater to expats and foreign nationals. You do not need a UK credit footprint in many cases.
Typically 20-25% for residential purchases, though some lenders offer deals with 15% deposit depending on your currency and country of residence.
We offer a free initial consultation. If you proceed, a broker fee is payable only upon mortgage offer. We are transparent about all costs upfront.
Absolutely. Many of our Buy-to-Let investors use SPVs for tax efficiency. We have extensive experience arranging these specific products.
Prefer to talk it through?
Start with a calm first conversation,not a hard sell.
Speak to an independent broker who understands UK, overseas and high-value borrowing. We listen first, shape the case properly, and stay with you through the detail.
Independent, UK-regulated advice
One dedicated broker throughout
Bilingual support for cross-border cases
Access to 250+ UK & international lenders
Prefer email first? Write to info@globalomf.com and we'll point you to the right broker.
Relationship-led advice
Finance handled with more warmth, clarity and discretion.