Secure the Best International Mortgage Solutions with MHI Group

Navigating the complexities of securing a mortgage for an international property purchase can be challenging, but with MHI Group, you gain access to market-leading rates in over 30 countries. Whether you are an expat, foreign investor, or looking to finance a UK property, we specialize in residential, buy-to-let, and commercial mortgages, ensuring seamless financing tailored to your needs.

Our expertise in international mortgages means we understand the challenges of foreign currency risk, lender requirements, and legal frameworks across different countries. Let us help you secure competitive financing, structure your mortgage efficiently, and navigate the process smoothly.

  • Up to 85% Loan-to-Value (LTV)
  • Expats & Foreign Nationals Welcome
  • Buy-to-Let & Commercial Mortgage Options
  • Interest-Only & Capital Repayment Available
  • Specialist Lending for Self-Employed & Limited Companies

Get started today with a free consultation to discuss your international mortgage options!

Why Choose MHI Group for International Mortgages?

At MHI Group, we specialize in cross-border mortgage solutions for international buyers looking to purchase property in the UK and abroad. Unlike traditional lenders, we have access to a wide range of banks and niche mortgage providers that cater specifically to expats, foreign nationals, and international investors.

  • Access to Market-Leading Rates – We negotiate exclusive mortgage terms with top-tier lenders, ensuring you get the best deal possible.
  • Expert Guidance on Local & International Regulations – We navigate foreign lending restrictions, tax implications, and currency exchange considerations for you.
  • Custom Solutions for Expats & Investors – Whether you’re an expat with no UK bank account, a first-time buyer, or a foreign investor, we offer tailored mortgage products to meet your needs.
  • Specialist Buy-to-Let & Commercial Mortgages – Secure financing for rental properties, HMOs, student lets, and property development projects.
  • Fast Approvals & Seamless Process – Our mortgage brokers handle everything from application to completion, ensuring a hassle-free experience.

Your dream international property is within reach! Speak to a specialist today.

International Mortgage Options Available

Residential Mortgages

  • Finance up to 85% LTV for main residences, holiday homes & new builds
  • Available for UK expats, foreign nationals, and first-time buyers
  • Repayment structures: Interest-only & capital repayment options

Buy-to-Let & Investment Mortgages

  • Financing for rental properties, student lets, and HMOs
  • Loans structured based on market rental income rather than personal income
  • Available for individuals & limited companies investing in UK property

Commercial & Development Finance

  • Property development loans for large-scale projects
  • Lending on Houses of Multiple Occupation (HMO) & multi-unit freeholds
  • Bridging finance for short-term lending solutions

Not sure which mortgage option is right for you? Our experts will guide you!

How to Secure an International Mortgage with MHI Group

Applying for an international mortgage is different from a standard home loan. Here’s what you need to know:

  1. Determine Eligibility – Factors like income type, residency, and credit history impact approval
  2. Choose the Right Lender – We help you compare global lenders based on your financial profile
  3. Understand Local Requirements – Regulations differ by country, and we guide you through the legal & tax considerations
  4. Prepare Documentation – Typical requirements include payslips, tax returns, and bank statements
  5. Get Pre-Approved – Secure a mortgage in principle to strengthen your property offer
  6. Finalize & Complete – We handle the application, valuation, and legal processes for a smooth completion

Approval times vary depending on the lender and country. Start early for a stress-free process!

Avoiding Common Pitfalls in International Mortgages

Securing an international mortgage comes with challenges. Here’s how MHI Group helps you avoid costly mistakes:

  • ❌ Currency Fluctuations Impacting Payments
    Solution: We offer currency-hedged mortgage options to stabilize repayments.
  • ❌ Unexpected Taxes & Fees
    Solution: We help you budget for legal fees, notary costs, and stamp duties.
  • ❌ Limited Lender Options
    Solution: Many banks don’t lend to foreigners; we connect you to specialist lenders.
  • ❌ Slow Processing Times
    Solution: Some countries take 60-90 days for approvals. We fast-track applications.

Get expert insights to ensure a smooth and successful mortgage experience!

Frequently Asked Questions

  • What types of international mortgages do you offer?

    We offer a comprehensive range of international mortgages including residential mortgages, buy-to-let mortgages, commercial mortgages, and development finance. Our services cater to UK expats, foreign nationals, and international investors looking to purchase property in the UK or abroad.

  • Can I get a mortgage in the UK if I live overseas?

    Yes, you can obtain a UK mortgage while living overseas. We specialize in expat mortgages and have access to lenders who specifically cater to overseas residents. The process may require additional documentation, but our experts will guide you through every step.

  • What documents do I need for an international mortgage?

    Required documents typically include proof of income (such as payslips or tax returns), bank statements, proof of deposit, identification documents, and proof of address. For international applications, documents may need to be translated and certified. We’ll provide a detailed checklist based on your specific circumstances.

  • What is the maximum LTV available for international mortgages?

    We can arrange mortgages up to 85% LTV for international buyers, depending on your circumstances and the property type. The exact LTV will depend on factors such as your residency status, income source, and the property location.

  • How long does the international mortgage process take?

    The timeline can vary depending on the complexity of your application and the lender’s requirements. Typically, the process takes 4-8 weeks from application to completion. We work to expedite the process where possible and keep you informed at every stage.

What Our Clients Say

Tim was a great help for us, organising Spanish mortgage which I thought this will never happen, but he promised that he will do his best to get us the best deal possible. He certainly exceeded my expectations, I have no hesitation to recommend this company to family and friends.

Satisfied Client

Rob Govier is a person very professional, helpful, answered about all the questions what I had doesn’t matter if was late or earlier on the day, weekends sometimes. I highly recommend to work with him. Thank you Rob for your help!

Happy Customer

Tim has been so helpful. He kept us informed throughout the mortgage process, had answered all my questions quickly and has just been a great help and wealth of information. Friendly, great company and I would definitely use them again.

Grateful Client

Rob Govier is a very helpful and knowledge person and was able to help us navigate a complicated financial process. We really appreciated his help and prompt responses. We wouldn’t hesitate to use Rob again and will certainly be recommending his services to others.

Satisfied Customer

Rob has been excellent from day one, this was my first purchase in life and it happened to be abroad! So many questions and fears that Rob handled with utter professionalism and his responses was always quick. The entire process went seemingly and I cannot thank Rob and MHI Group enough.

First-Time Buyer

Rob is an excellent Mortgage Adviser and very persistent on getting the job done. He knows his clients well and bends over backwards to make sure they get a great deal and are happy.

Impressed Client

I cannot recommend Rob and his company highly enough to anyone else who is looking to purchase a property abroad. Rob is professional, very quick to get things sorted and just generally a really nice guy. 10/10 professional, reliable and affordable business.

International Buyer

Who Can Apply for an International Mortgage?

  • UK Expats – Living abroad and looking to buy property in the UK
  • Foreign Nationals – Purchasing investment properties in the UK without residency status
  • First-Time Buyers & Landlords – Looking for financing for a residential home or rental investment
  • Limited Companies & Investors – Seeking financing for commercial or buy-to-let portfolios
  • Self-Employed Borrowers – Verified via international accountants & tax records
  • High Net Worth Individuals – Looking for bespoke mortgage structures

We work with clients worldwide! No UK address or UK credit history? No problem!

Start Your International Mortgage Journey with MHI Group

Whether you’re an expat, foreign investor, or commercial developer, MHI Group ensures you get the best mortgage rates and financing solutions tailored to your needs.

  • Over 30 global markets
  • Fast-track approvals & seamless processing
  • Tailored solutions for expats & foreign nationals
  • Specialist financing for buy-to-let & commercial properties
Contact us today for a free consultation!

🌍 Your international property financing partner – MHI Group!

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