International Mortgages

Securing an international mortgage requires understanding the unique requirements of cross-border financing. Here’s a simplified process to guide you:

1. Understand Lender Options: Many UK and international banks offer international mortgages, but not all are equipped to handle cross-border transactions. Enness connects you to specialist lenders with global expertise.

2. Evaluate Your Finances: International mortgages often require higher deposits or more stringent income verification, especially if you're a non-resident or foreign national. Be ready with the right documentation.

3. Research Local Regulations: Laws regarding property ownership and mortgage terms vary by country. Working with an expert ensures you comply with local regulations and secure the most competitive rates.

4. Assess Currency Risks: If the mortgage is in a different currency, you may be exposed to exchange rate fluctuations. Seek multi-currency options to protect against potential risks.

5. Seek Specialist Guidance: Enness' expertise can help you navigate the complexities of international mortgages, from securing the best terms to handling documentation and currency management.

By working with Enness, you gain access to global financing solutions designed to meet your specific needs and location.

Monaco is often described as a “billionaires playground” and is home to some of the most expensive real estate on the planet. Despite its size (Monaco is smaller than New York’s Central Park) property costs an average price of €48,000 per square foot.

Monaco’s property finance system is unique. It isn’t unusual for properties not to even make it to market before they are sold. Deals move quickly, and anyone buying property in Monaco will need a finance solution that can match the transaction speed. If you’ve found a property you want to buy, be warned: lengthy negotiations with lenders and question marks about finance regularly leave would-be buyers empty-handed. Liquidity is central to a successful buying experience in Monaco.

Enness is one of the leading mortgage brokers for Monaco property finance. Leveraging their know-how of the local property market and their contacts with domestic and international lenders, Enness will deliver the most competitive Monaco mortgage package.

Enness will open doors for you in Monaco and will create a finance package structured to meet your every need, whether you are buying a Monte Carlo pied-a-terre or a beachfront apartment in Larvotto.

From bases in Zurich and Geneva, Enness works with local and international lenders to offer a comprehensive range of property finance in Switzerland.

Investors are spoilt for choice when it comes to the variety of luxury property on offer in Switzerland. Property prices remain steady, making Swiss real estate an appealing investment for non-residents who are often drawn to some of the best ski slopes in Europe. Most non-residents are in the market to buy ski chalets in tourist areas, given Switzerland restricts where non-residents can purchase real estate. Verbier, Grindelwald, Crans-Montana and St. Moritz remain popular for non-residents. Switzerland’s world-class dining, shopping, and health facilities also add to the country's appeal.

Property investors predominantly buy Spanish real estate to add a second home or holiday property to their portfolio. Spain’s 3000 hours of sunshine a year, rich local culture, food and access to luxury amenities only serve to make Spain more attractive. As well as popular haunts like Marbella and the length of the Andalusian coast, the Balearic Islands also draw ultra-high-net-worth investors. Some of Spain's most luxurious properties are found on Ibiza, and investors regularly snap up prime real estate on the island.

Spain offers few restrictions on who can buy property in the country, but while eligibility is rarely a challenge, getting a competitive mortgage from a domestic lender will be less straightforward. Enness will deliver a Spanish property finance package that is both tax-efficient and cost-effective and with headline mortgage costs as low as possible.

Prime Portuguese property is some of the most attractively priced in southern Europe. Portugal’s laid-back lifestyle, warm climate and beautiful coastlines are hugely appealing, and the country has long attracted the interest of European investors. More recently, however, Portugal’s Golden Visa scheme has cemented the

country as a firm favourite for foreign high-net-worth property investors. The scheme has garnered significant interest from non-European nationals, particularly those from Latin America, although Asian and Middle Eastern buyers have also been drawn to the country. There are still luxury properties to be had at bargain prices compared to France and Spain, and many non-resident buyers are keen to purchase holiday homes or a second home in the country.

Not everyone is eligible to buy a property in the Channel Islands, and you will need to have specific clearances to be able to buy real estate in either location. Broadly speaking, your ability to buy will depend on where you were born, your working situation and your wider profile. However, both Jersey and Guernsey are keen to offer residency to high-net-worth individuals, and the respective governments offer a path for eligible candidates to secure entitlement to buy on the island, thus providing a viable path to buying high-value property.

Whatever your scenario, liquidity is essential for purchases in Jersey or Guernsey. Demand far outstrips supply and with limited housing available, you are unlikely to find a wide variety of “must-have” property on the market at any one time. Having the finance available that allows you to move quickly, make an offer and secure the property you want to buy is imperative, even at the top of the market.

Lenders will typically require proof of income, asset statements, details of the property, and your residency status. For non-residents or international buyers, additional documents may be needed depending on the country and financial structure.

Many international lenders offer mortgages in EUR, GBP, USD, CHF, and other currencies. Multi-currency borrowing helps reduce foreign exchange risk and is especially useful for globally mobile clients or investors earning in different currencies.

Many high-net-worth individuals purchase international property through offshore companies, trusts, or complex ownership structures. Enness arranges mortgages that work seamlessly with these setups, even for clients with global income or multi-jurisdictional assets.

Yes. Enness arranges French mortgages for non-resident buyers through local French banks and international lenders active in the French market. Non-residents can typically access up to 70–80% LTV, depending on the lender and borrower profile. Enness navigates French-specific requirements including notaire involvement, mandatory life insurance, and the process of obtaining a French tax number for overseas buyers. 

Yes, though Monaco property finance almost always requires a private banking relationship. Enness has established connections with banks operating in the Principality and can introduce clients to the right lenders. Given Monaco's extreme property values, financing is highly bespoke and typically requires assets under management or a significant pre-existing relationship with the lending institution. 

Yes. Enness arranges Spanish mortgages for non-resident buyers. Non-residents can typically borrow up to 60–70% LTV through Spanish lenders, with international private banks sometimes offering higher advance rates. Enness also advises on Spanish-specific considerations including local legal requirements, tax implications such as the non-resident income tax on rental property, and the appointment of a Spanish fiscal representative. 

Switzerland restricts property purchases by non-residents in certain cantons under the Lex Koller regulations. Where purchasing is permitted, Enness can arrange finance through Swiss private banks, typically requiring assets under management or an existing private banking relationship. Enness's Zurich and Geneva offices advise clients on Swiss property finance and work alongside local legal advisers to navigate regulatory requirements. 

Yes. Enness's Dubai office arranges property finance across the UAE for both residents and non-residents. UAE residents can typically borrow up to 80% LTV on a primary residence; non-residents are generally capped at 50% LTV under UAE Central Bank regulations. Enness works with local UAE banks and international lenders active in the Dubai market to find the most competitive available terms. 

Yes, foreign buyers can often obtain a mortgage to purchase property in Italy, although lending criteria vary depending on residency status, income location, and the lender’s appetite for international borrowers.

Italian lenders typically offer loan-to-value ratios of around 50–70% for non-residents, with affordability assessed using documented income, assets, and overall financial strength. In some cases, international private banks and specialist lenders can provide alternative solutions, particularly for high-value purchases or clients with globally structured wealth.

The process usually involves additional documentation compared to domestic borrowing, including proof of overseas income, tax residency information, and independent property valuations. Working with an experienced international mortgage broker can help identify lenders comfortable with cross-border structures and ensure the transaction progresses efficiently alongside local legal requirements