International Property Finance
Cross-border property finance, arranged with discretion.
We arrange residential, commercial and development finance for high-value clients across Europe and beyond — with direct access to private banks, specialist lenders and international partners.
- £2bn+
- Arranged since 2016
- 4.9/5
- Client rating
- 60+
- Specialist lenders
In short
What does Clifton International Property Finance do?
Clifton International arranges property finance for international buyers and investors across Spain and the UK — mortgages, short-term bridging, development and commercial facilities. We are whole-of-market brokers, placing each case with the lender whose appetite, leverage and pricing best fit the asset and the borrower.
- Spanish mortgages for non-residents typically reach 60–70% loan-to-value.
- Bridging can complete in two to six weeks where a deadline decides the deal.
- Clients include US, UAE, UK, European and corporate borrowers.
- Every enquiry is answered by a specialist adviser within one working day.
What we arrange
Private finance for international property.
A single adviser manages the full transaction — from initial structuring through to completion — across multiple jurisdictions, currencies and lender relationships.
International Mortgages
Cross-border residential lending for primary homes, second homes and holiday properties.
Commercial Finance
Investment and owner-occupier facilities against offices, retail, hospitality and logistics.
Development Finance
Ground-up, conversion and stretch senior funding for residential and mixed-use schemes.
Refinance & Equity Release
Improved terms, cash-out refinance and unlocking capital from existing overseas assets.
Countries
Finance, wherever your property is.
Spain is live today, with dedicated country hubs for further jurisdictions launching through the year. Speak to us in the meantime for any market.
United Kingdom
UK bridging, development, mortgages, commercial and remortgage finance — including large loans for international and expat clients.
Spain
Residential, commercial, development and refinance across mainland Spain and the Islands. Specialist lenders up to 65% LTV.
Portugal
Lisbon, the Algarve, Porto and Madeira — private client lending against Portuguese property.
Germany
Residential and commercial property finance across Berlin, Munich, Frankfurt and beyond.
Ireland
Property finance for residential and investment assets across Dublin and regional Ireland.
Other jurisdictions
Switzerland, Monaco, Dubai, US and beyond — arranged through our specialist partner network.
United Kingdom
UK property finance solutions.
UK Mortgages
Residential, buy-to-let and high-value mortgages for UK and international clients.
Expat Mortgages
UK purchase, buy-to-let and remortgage finance for expats and foreign nationals.
Bridging Loans
Fast short-term funding for auctions, chain-breaks, refurbishments and exits.
Development Finance
Senior debt for residential and mixed-use schemes across the UK.
Commercial Property Finance
Investment and owner-occupier commercial mortgages.
Remortgage
Better terms, capital release and debt restructure for UK property.
Why clients choose us
A single point of contact across borders.
Discretion by default
Private-client processes designed for confidentiality and complex ownership structures.
Whole-of-market access
Direct relationships with 60+ international lenders and private banks.
Cross-border expertise
Advisers who understand tax, currency and legal nuances across multiple jurisdictions.
Structured for outcome
Terms optimised for total cost of borrowing, not headline rate alone.
Common questions
International property finance questions.
Can I get a mortgage abroad as a non-resident?
Yes. Non-residents borrow in Spain, the UK and much of Europe, typically at 60–70% loan-to-value, with the lender assessing income in its own currency and applying a stress test to overseas earnings.
How long does international property finance take?
A cross-border mortgage usually runs five to ten weeks from application to drawdown. Short-term bridging can complete far faster where a deadline such as an arras contract is fixed.
Which countries do you cover?
We introduce clients to intermediaries arranging finance across Spain and the United Kingdom, and support buyers based in the United States, the UAE and across Europe purchasing in those markets.
Do you charge a fee for an initial conversation?
No. The first conversation and any indicative terms are provided at no cost and with no obligation. Any fee payable is disclosed in writing before you decide to proceed.
Can you help if my bank has already declined the purchase?
Often, yes. Declines are frequently about the property rather than the borrower — rustic land, unlicensed builds or tourist-licence assets — and specialist or short-term lenders still fund many of them.
Ready to explore your options?
Speak to a property finance specialist
A discreet, no-obligation conversation with an adviser who understands cross-border lending across Europe and beyond.