Overseas Property Finance

Property abroad,
funded properly.

International bridging and mortgage finance for property purchases and refinancing outside the UK — structured with lenders who understand cross-border cases.

Who this is for

Buyers and owners looking beyond the UK.

Overseas property finance carries different rules, currencies, and lender appetite to a standard UK case — we structure around what's actually fundable in the country and situation involved.

01

Overseas purchases

Buying a property abroad — whether a second home, an investment, or a relocation purchase — funded against the right lender for that jurisdiction.

02

UK expats & foreign nationals

British expats buying or refinancing property abroad, and foreign nationals looking to purchase in the UK, both need lenders who understand cross-border income and residency.

03

International bridging

Fast, short-term funding for time-critical overseas purchases, chain breaks, or property requiring works before it can be mortgaged conventionally.

How it works

From enquiry to completion.

01

Tell us about the property and country

Location, property type, and loan size — jurisdiction affects which lenders can act, so this shapes everything that follows.

02

We shortlist the panel

We match your case against lenders with genuine appetite and experience in that country or region.

03

Valuation & local legal work

Overseas cases often need local valuers and legal representation alongside UK-side paperwork — we help coordinate both.

04

Completion

Funds released and the purchase or refinance completes, with ongoing support for any future overseas cases.

FAQs

Common questions.

Which countries can you arrange finance for?

Lender appetite varies significantly by country. We'll confirm during your enquiry whether we have panel access for the specific location you're considering.

Does currency exchange affect my repayments?

Yes — if your loan or income is in a different currency to the property, exchange rate movements can affect the real cost over time. This is worth discussing directly with our team.

Can UK expats use this service?

Yes. British expats are one of the more common client types for overseas property finance, whether buying, refinancing, or releasing equity from a property abroad.

Do I need a local lawyer as well as a UK broker?

In most cases, yes — local legal representation is usually required alongside the finance arrangement. We can help coordinate this as part of the process.

Ready to talk through your case?

Ace Finance UK arranges unregulated finance products only, including commercial mortgages, bridging finance, and development finance. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it. Calculators on this site provide estimates only and do not constitute financial advice or a loan offer.

Ace Finance UK is not authorised or regulated by the Financial Conduct Authority. We do not arrange regulated mortgage contracts and do not provide regulated financial advice of any kind.