International Mortgages
Million Plus Private Finance arranges international mortgages for high-net-worth clients acquiring property across established and emerging global markets. Facilities are structured through private banks and specialist lenders worldwide, taking into account complex income, international assets, and balance-sheet strength, with discretion, flexibility, and long-term capital alignment at the core.
International Mortgages
Million Plus Private Finance arranges international mortgages for high-net-worth clients acquiring property across established and emerging global markets.
Why Choose Million Plus Private Finance for Your International Mortgage?
International mortgage lending operates across jurisdictions, currencies, and legal frameworks. Million Plus Private Finance provides adviser-led structuring supported by global private bank and specialist lender access.
The firm’s leadership maintains long-standing international lender relationships across Europe, North America, and the Middle East, enabling bespoke facilities for high-net-worth clients with complex income, international holdings, and multi-asset portfolios. Mortgages are structured with consideration for liquidity, repayment alignment, and long-term ownership objectives, delivered with discretion and executional efficiency
International mortgage lending operates across jurisdictions, currencies, and legal frameworks. Million Plus Private Finance provides adviser-led structuring supported by global private bank and specialist lender access.
The firm’s leadership maintains long-standing international lender relationships across Europe, North America, and the Middle East, enabling bespoke facilities for high-net-worth clients with complex income, international holdings, and multi-asset portfolios. Mortgages are structured with consideration for liquidity, repayment alignment, and long-term ownership objectives, delivered with discretion and executional efficiency.
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International mortgage structuring benefits from senior adviser involvement. Share your details to speak with a Million Plus adviser experienced in cross-border lending, international property markets, and private bank engagement across Europe, the US, and the Middle East.
How We Structure International Mortgages Across Global Markets
Million Plus Private Finance provides international mortgage solutions for clients acquiring or refinancing property across key global jurisdictions, including the UK, France, Spain, Italy, Portugal, Monaco, Switzerland, the United States, the United Arab Emirates, and Saudi Arabia. Facilities are arranged for residential, investment, and lifestyle assets, with lender selection guided by asset quality, jurisdictional stability, and the client’s wider balance sheet.
Clients often present with international income, retained business profits, multi-currency exposure, and assets held across several jurisdictions. International lenders assess these cases holistically, considering liquidity reserves, asset strength, and long-term ownership horizons. Interest-only and hybrid repayment structures are commonly incorporated to support capital efficiency and cashflow management.
Million Plus coordinates lender engagement, valuations, and jurisdiction-specific legal processes, ensuring execution is discreet and efficient. Each international mortgage is structured to integrate seamlessly with the client’s broader wealth framework and global asset strategy.
Million Plus Private Finance provides international mortgage solutions for clients acquiring or refinancing property across key global jurisdictions, including the UK, France, Spain, Italy, Portugal, Monaco, Switzerland, the United States, the United Arab Emirates, and Saudi Arabia. Facilities are arranged for residential, investment, and lifestyle assets, with lender selection guided by asset quality, jurisdictional stability, and the client’s wider balance sheet.
Clients often present with international income, retained business profits, multi-currency exposure, and assets held across several jurisdictions. International lenders assess these cases holistically, considering liquidity reserves, asset strength, and long-term ownership horizons. Interest-only and hybrid repayment structures are commonly incorporated to support capital efficiency and cashflow management.
Million Plus coordinates lender engagement, valuations, and jurisdiction-specific legal processes, ensuring execution is discreet and efficient. Each international mortgage is structured to integrate seamlessly with the client’s broader wealth framework and global asset strategy.
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Mortgage Closings
Strategic International Mortgage Advice Across Jurisdictions
International mortgage lending requires a nuanced understanding of jurisdictional frameworks, lender appetite, and global balance-sheet assessment. Million Plus Private Finance works with private banks and specialist lenders across Europe, North America, and the Middle East, providing access to established markets such as France, Spain, Italy, Switzerland, and the United States, alongside growing centres including the UAE and Saudi Arabia.
High-net-worth clients often hold assets and income across multiple jurisdictions, currencies, and legal structures. International mortgage facilities are assessed with a focus on asset quality, liquidity reserves, and long-term ownership objectives. Repayment structures may be aligned to income cycles, investment timelines, or broader wealth planning considerations.
Currency exposure, tax positioning, and legal execution are coordinated alongside professional advisers to ensure transactions proceed smoothly across borders. Million Plus manages the full process, from lender engagement and valuation coordination through to jurisdiction-specific legal completion.
Each international mortgage is structured to complement the client’s wider portfolio, supporting capital efficiency, liquidity preservation, and long-term wealth alignment. Adviser-led execution and discretion remain central throughout, ensuring global property acquisitions are integrated thoughtfully into the client’s overall financial landscape.
frequently asked questions
Mortgage Questions Answered
What is an international mortgage and how does it work?
An international mortgage is a property loan secured against real estate located outside the borrower’s country of residence. These facilities are typically structured through private banks and specialist international lenders and assessed using a holistic view of the borrower’s balance sheet, asset quality, and long-term ownership objectives.
Which countries do you arrange international mortgages in?
International mortgages are arranged across key global property markets, including France, Spain, Italy, Portugal, Switzerland, Monaco, the United States, Asia and the Middle East. This includes established lending jurisdictions such as the UAE and Saudi Arabia, subject to asset type, location, and lender appetite.
Can non-residents and expats obtain international mortgages?
Yes. International mortgages are commonly structured for non-residents and expats, including UK nationals living abroad and internationally mobile clients. Eligibility is assessed based on the borrower’s overall financial position, asset strength, and jurisdiction-specific requirements rather than residency alone.
Do international mortgages require income in the property’s country?
Local income is not always required. Many international lenders assess global income sources, including foreign employment income, retained business profits, investment income, and dividend flows. These are considered alongside liquidity reserves and the borrower’s wider asset base.
Are interest-only international mortgages available for high-net-worth clients?
Interest-only and hybrid repayment international mortgages are frequently available for high-net-worth borrowers, depending on the lender, jurisdiction, and asset profile. These structures are often used to support liquidity management and capital efficiency within a broader portfolio.
What currencies are international mortgages available in?
International mortgages may be structured in major global currencies such as GBP, EUR, or USD, as well as local currencies in certain jurisdictions. Currency selection is typically aligned with the borrower’s income streams, asset exposure, and long-term financial planning considerations.
Can existing overseas properties be refinanced using an international mortgage?
Yes. International mortgage refinancing is commonly used to release capital, restructure existing debt, or realign overseas property holdings within a wider investment portfolio. Refinancing assessments focus on asset quality, valuation, and balance-sheet strength.
How are international mortgages assessed by private banks?
Private banks assess international mortgages using a consolidated approach that considers property quality, jurisdictional stability, liquidity reserves, and the borrower’s broader financial position. The emphasis is on long-term ownership, repayment alignment, and overall balance-sheet strength.
How long does it take to arrange an international mortgage?
Timeframes vary depending on jurisdiction, property type, valuation requirements, and legal processes. International mortgages arranged through private banks typically progress once asset valuations and cross-border legal considerations are aligned.
How does Million Plus Private Finance support international mortgage structuring?
Million Plus Private Finance provides adviser-led international mortgage structuring, coordinating private bank and specialist lender engagement, valuations, and legal execution. Each facility is positioned to align with the client’s wider wealth planning and long-term capital objectives.
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From prime international property to complex global asset portfolios, Million Plus Private Finance structures bespoke private finance solutions for high-net-worth clients. Senior advisers deliver discreet, flexible lending across borders, aligned with long-term capital and wealth objectives.
