Overseas Property Finance Made Easy
Mortgages with a local bank in the country of your purchase. Choose below:
Assetz Finance assists purchasers of overseas property by providing an extensive range of services including mortgages, purchase assistance, insurance, legal and tax advice, translation and currency exchange.
We aim to expose any pitfalls, address any misconceptions in the industry and give a truthful account of everything that you need to know when purchasing property abroad.
Assetz Finance does not work exclusively for one lender and can therefore offer completely impartial advice. We use a wide-ranging panel of lenders, brokers and other companies in order to provide you with the best mortgage deal and best service in the market.
 PORTUGUESE MORTGAGES
Our Portuguese Mortgage teams will match competitive rates to a high level of personal service for customers who wish to finance their Portuguese property with mortgage from a Portuguese lender. Exclusive deals are available on certain off plan property in Portugal enabling Assetz Finance clients to secure even better deals than normally available. You will be provided with all of the assistance you require to secure the best deal on your purchase.
To make an enquiry for more information and to discuss your requirements please see our Portuguese mortgage application form.
 GERMAN MORTGAGES
Mortgages are available in Germany to non German residents but have been typically on low loan to value ratios. If the rental income is particularly low then a lower loan to value is also likely. However this is all changing as Germany becomes a more established investment opportunity and we are now working on securing a higher LTV mortgage for our clients. Our teams will work with you in order to ensure that you secure the best mortgage/largest mortgage amount possible for your circumstances and will assist you with all of the paperwork involved.
To make an enquiry for more information and to discuss your requirements please see our German mortgage application form.
 INDIAN MORTGAGES
The Assetz Group is the first company to offer both property and mortgages in India. To read more on the excellent investment opportunities in this new and rapidly growing market please consult our website for Assetz India. Mortgages are only currently available to NRI (Non Resident Indians). We would be happy to hear from any NRIs who would like to get an idea of their budget for an investment in India.
To make an enquiry for more information and to discuss your requirements please see our Indian mortgage application form.
 US MORTGAGES
The mortgages available through Assetz Finance cover all the US states including the most popular, Florida, for all property types (both residential and buy-to-let) and for some land purchases on a case by case basis. Non status mortgages are even available (uncommon for overseas mortgages) on both capital repayment and interest only mortgages. The mortgage amount of Assetz Finance US mortgages is based on the valuation price and not the purchase price of the property offering borrowers another advantage. You will receive all of the advice and assistance you require in order to secure the best mortgage for your purchase and requirements.
To make an enquiry for more information and to discuss your requirements please see our US mortgage application form.
 MOROCCAN MORTGAGES
The Assetz Group is pleased to be one of the first companies offering mortgages and re-mortgages in Morocco, this much sort after new investment opportunity. The mortgages available in this country are very similar to the mortgages established in all new and emerging markets (70% LTV, 25 year term, repayment – interest only for 2 years – full status on rates starting from 5.15%). The mortgages, just like with all our mortgage products, will vary depending on the individual’s circumstances and requirements.
To make an enquiry for more information and to discuss your requirements please see our Moroccan mortgage application form.
 ITALIAN MORTGAGES
We are able to offer a number of sophisticated mortgage packages due to our volume of mortgage business in Italy which include increasing and decreasing installment options, as well as personalised payment plans. In addition, most of our lenders in Italy will offer a mortgage amount based on the valuation price and with a mortgage term of up to 40 years! This is much higher than the term offered by most overseas lenders and indeed UK lenders. We provide a comprehensive service that covers all the advice and assistance that a borrower requires when setting up a mortgage with an Italian lender. We are also able to offer UK finance options for borrowers who are purchasing an off-plan property that is paid in stages until the Italian mortgage funds are able to be released- please see our UK mortgage and loan pages.
To make an enquiry for more information on the mortgages available in Italy and to discuss your requirements please see our Italian mortgage application form.
 SWISS MORTGAGES
Swiss mortgages are notoriously great value as they are based on the Libor rate – typically much lower than the Bank of England base rate. Although lending criteria can be strict Assetz Finance will source the best mortgage product available to you from a Swiss lender and will assist with all of the application process.
To make an enquiry for more information on the mortgages available and to discuss your requirements please see our Swiss mortgage application form.
 TURKISH MORTGAGES
Turkish mortgages have only become available to non Turkish residents at the beginning of 2007 and Assetz Finance is working to ensure that they become widely available for all purchasers in Turkey as quickly as possible. Already we have seen an improvement in the range of products available and the terms and conditions offered by Turkish lenders. Our team will advise you on what is available and how to ensure that you secure the best deal.
To make an enquiry for more information on the mortgages available and to discuss your requirements please see our Turkish mortgage application form.
 AUSTRALIAN AND NEW ZEALAND MORTGAGES
Our teams have sourced a number of interesting capital repayment and endowment mortgages although pure interest only mortgages are not typically available in Australia and New Zealand. The service offered to Assetz Finance clients encorporates not only sourcing the best financial solution for your purchase but also assisting you with making the application itself. You are in safe hands with our experienced Australian and New Zealand teams.
To make an enquiry for more information and to discuss your requirements please see our Australian mortgage application form, or our New Zealand mortgage application form.
 SOUTH AFRICAN MORTGAGES
South African mortgages are now available to purchasers in this new market. The amount that non South African residents can borrow is however limited by rules imposed by the Reserve Bank of South Africa. Under their Exchange Control Policy all non resident applications must first be approved by the Reserve Bank and non residents are not permitted to borrow more than 100% of the Rand value of funds transferred into South Africa to purchase the property. This limits the loan to value available to 50%. South Africans who are temporarily resident abroad have access to considerably higher loan to values however. The current interest rates in South Africa, like in all emerging markets, are very high compared to UK rates - purchasers should expect to pay at least double the interest rate that they are used to in the UK on their South African mortgage. On the plus side, the application paperwork is less arduous than in most overseas countries and lending criteria is also less severe. Assetz Finance is pleased to offer the best value for money and comprehensive service for securing your South African mortgage.
To make an enquiry for more information and to discuss your requirements please see our African mortgage application form.
OTHER UNLISTED COUNTRIES
Please do not hesitate to contact us if you are purchasing a property in a country not cited above as we may still be able to assist on a case by case basis. Please either email us or call 0845 400 8000.
In order to facilitate your purchase further we also offer:
- Legal and Tax Advice from specialist property law and tax experts,
- Assistance with French Tax Returns and VAT rebate requests,
- Specialised Foreign Exchange Services via our Partner in this field making your money go further and protecting you against adverse currency movements,
- Assistance with opening a Current Account in your country of purchase or an Off-shore Account,
- Advice and contacts for setting up Buildings and Contents Insurance on your property overseas,
- Advice and assistance for Relocation.
In order to facilitate your purchase further we also offer:
Free expert advice
Free pre-qualification from our experienced consultants
Free on-line investment/mortgage calculator or your budget calculated by one of our consultants
Bi-lingual, experienced finance / property purchase consultants to act as your go between
Partners in every field of the overseas property industry to facilitate your purchase
Enquire now, call us on 0845 400 8000 or email us.
Please think carefully before securing any debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.
When securing a debt against your foreign property please remember that:
a) your foreign property may be repossessed if you do not keep up repayments on any mortgage or loan secured on it.
b) changes in the exchange rate may increase the sterling equivalent of your debt if taken in another currency.
For all mortgages and loans, irrespective of their location, please be sure that you can afford the repayments before entering into any credit agreement.
The figures and information quoted on this site are believed to be correct at the time of issue and are subject to change without notice. Any quotation supplied is NOT an offer of a mortgage.
In accordance with the Data Protection Act 1998 all personal data handled by Assetz Finance will be processed fairly, lawfully and in the best interests of our client. The information and personal details provided may be disclosed to companies who have an agreed partnership with Assetz Finance and who will be able to offer you financial and property services that you require. These companies may be located in your country of purchase or the UK.
Please be aware that it is a criminal offence to give misleading or incorrect information in connection with a loan application. Specific actions may be taken to prevent fraud.
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