Cross-border residential finance
Mortgages arranged across borders — for expats, non-residents and overseas investors buying in Spain or the UK, with further countries available by enquiry.
In short
An international mortgage is property finance arranged across borders — where the property, the borrower or the income sits in a different country from the lender's home market. Clifton International arranges international mortgages in Spain and the UK through specialist lenders and private banks, as an introducer rather than a lender.
Reviewed by James Caldwell, Director, Clifton International.
Last updated Content review by our Clifton International finance team.
Where we arrange mortgages
Residential mortgages across mainland Spain and the Islands for non-residents and international buyers — typically up to 60–70% loan-to-value with specialist lenders.
Residential, buy-to-let and high-value UK mortgages for UK residents, expats and foreign nationals — including borrowers paid in overseas currencies.
Proof of delivery
One UK expat purchase and two Spanish transactions — a mortgage and a bridge. Every figure below comes from the case study itself, so the card and the full account always agree.
£862k mortgage · £1.15m Ealing new-build · CAD income
A British couple living in Toronto — a consultant anaesthesiologist and a pharmaceutical executive — secured an £862,000 mortgage on a £1.15m West London new-build after a high street decline.
€1.2m purchase · €840,000 mortgage · 70% LTV
A Dutch entrepreneur secured a €840,000 mortgage at 70% LTV on a €1.2m Marbella home, keeping capital free for his business and investments instead of buying with cash.
€300k bridge · 12-month term · interest retained
€300k 12-month bridge for UAE-based British buyers to secure a Javea holiday home at below market value — exited via a Spanish mortgage refinance within term.
These are reported outcomes for the clients concerned. Lender criteria and individual circumstances vary, so the same result is not guaranteed. Property images are illustrative and do not show the clients' own homes.
Beyond Spain and the UK
Dedicated country hubs for Portugal, Germany and Ireland are launching through the year. For any other market, speak to us — cross-border cases are arranged through our specialist partner network.
Lisbon, the Algarve, Porto and Madeira — country hub launching soon.
EnquireResidential and investment property across Berlin, Munich, Frankfurt and beyond — launching soon.
EnquireDublin and regional Ireland — launching soon.
EnquireSwitzerland, Monaco, Dubai, the US and beyond — arranged by enquiry through our specialist partner network.
EnquireCommon questions
An international mortgage is property finance arranged across borders — the property, the borrower or the income sits in a different country from the lender's home market. Clifton International arranges these mortgages through specialist lenders and private banks; we are an introducer, not a lender.
Spain and the United Kingdom are our two live markets today, each with dedicated country pages, calculators and case studies. Country hubs for Portugal, Germany and Ireland are launching through the year, and other jurisdictions — including Switzerland, Monaco, Dubai and the US — are arranged by enquiry through our specialist partner network.
Yes. Non-residents buying in Spain typically borrow up to 60–70% of the property value, and UK expat mortgages are available to borrowers paid in overseas currencies, usually with a larger deposit than a UK resident would need. Lender criteria vary by country of residence, currency and income type.
Most international mortgage cases complete in 8–14 weeks from enquiry, depending on the jurisdiction, the valuation, legal work and how quickly documents are supplied. Cross-border cases can take longer where income or identity evidence comes from several countries.
No. Clifton International is a whole-of-market property finance broker and introducer. We assess your circumstances, then place the case with the lender whose appetite, leverage and pricing best fit the property and the borrower, and manage the transaction through to completion.
Ready to explore your options?
A discreet, no-obligation conversation with an adviser who arranges cross-border mortgages across Spain, the UK and beyond.
