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UK & international mortgages
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.
Where OMF helps most
Keep scrolling. Start with what you need; we’ll take care of the complexity.
Your route, held together
Your broker stays with the detail from “could we?” to keys in hand.
We listen, test the idea and give you an honest first view.
OMF / BRIEFResidency, currencies and income become one clear lender story.
OMF / MATCHWe compare the substance—not just the headline rate.
OMF / OFFERWe coordinate the details while you plan the first arrival.
OMF / HOMEMortgage lab
An illustrative estimate—live, tactile and private.
Illustrative only—not a mortgage offer. Rates, fees, taxes and eligibility vary by lender and country.

“We expected borders, currencies and paperwork. What we got was one calm conversation at a time.
FAQ
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.
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.
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.
Very likely, yes. This is our speciality — we know exactly which lenders welcome business owners, bonus earners and international income.
Yes. We arrange UK mortgages for Brits overseas and international buyers all the time — often without a current UK credit history.
Yes. Plenty of UK lenders welcome international buyers — the trick is knowing which ones. That's our job.
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.
Yes — many of our investor clients do. We arrange these regularly and work happily alongside your accountant.
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.
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
A free conversation is enough to know where you stand.