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Interested in overseas mortgages? Whether you’re searching for a beautiful holiday home, refinancing an investment asset in a prime location, or planning to relocate entirely, overseas property mortgages can be a confusing area. Especially if, like most high net worth individuals (HNWIs), you have complex circumstances, such as global income streams.
Fortunately, the brokers at Articus Finance have significant experience in arranging mortgages for property abroad in hotspots around the world, serving a broad spectrum of international HNW clients. No matter where you hold residency, we have the contacts to find a suitable lender to arrange mortgages for overseas property, whether for purchase or refinance.
So, whether you’re buying an office tower, refinancing a warehouse, developing a block of student flats, or building an asset from the ground up on newly purchased land, getting the right commercial mortgage or development finance in place is crucial.
At Articus Finance, our brokers have extensive experience in all aspects of UK commercial and development finance. We work with individuals and businesses from around the world on complex and challenging cases, always securing the best possible terms for our clients.
For a confidential discussion of the options, our dedicated experts are available at your convenience.
The simple answer is yes, although, it certainly is more complicated.
When searching for international mortgages for property abroad, private bank lenders are often the ideal solution – especially for HNWIs. That’s why we have nurtured private banking contacts in key locations around the world, all of whom have appetites for starting new relationships with global HNWs.
The terms and products available from these lenders will vary hugely, and will always be negotiated on your individual circumstances. As you research overseas mortgages, an Articus broker can provide you with a personalised illustration of what you might expect to achieve.
We have expertise in securing mortgages for overseas properties in a range of locations. From the Riviera to the United States, we have successfully assisted numerous HNWIs to secure a mortgage to buy property abroad, or refinance an existing asset. Although we are able to arrange lending in a variety of locations, our specialty areas include (but are not limited to):
Overseas mortgages in Monaco: The Principality of Monaco is renowned as a luxury location for HNWIs and their families. What it lacks in size, it more than makes up for in lifestyle, climate and scenery. Add to that Monaco’s status as a major banking centre with no income tax and low business rates, and the allure of buying property in Monaco is clear. However, arranging mortgages in Monaco is invariably tricky, requiring intimate knowledge of the market and relevant lenders. If you’re searching for a Monaco mortgage on an asset valued over €3 million, our brokers can help.
Overseas mortgages in the South of France: Cannes, Nice, Antibes, Saint-Tropez – the South of France is littered with beautiful and highly desirable locations, drawing HNWIs from around the world. There are some truly stunning properties in the South of France, from bohemian villas to glamorous shoreside apartments. Should you wish to purchase or refinance property in the area, the Articus team can help; we have excellent contacts across the region and can advise on South of France mortgages over €3 million.
Overseas mortgages in Switzerland: Switzerland is highly popular amongst HNWIs, offering an exceptionally high standard of living and beautiful scenery. Combined with its position as a leading financial centre, it’s no surprise that property in Switzerland is considered a strong investment. There are some excellent mortgage deals to be had at present – however, navigating the Swiss market as a foreign investor can be challenging, especially if you are looking for a high loan to value (LTV) mortgage. The Articus team can assist, using our network to arrange mortgages in Switzerland over €3 million.
Overseas mortgages in Luxembourg: Luxembourg may be one of the world’s smallest countries – but with a population that includes residents from over 170 different nations, its international appeal is evident. This cosmopolitan and multilingual location is home to HNWIs from around the globe, and is well known for its safety, culture and high quality of life. With house prices rising year-on-year, it’s a fantastic time to buy property in Luxembourg: our team can assist with mortgages in Luxembourg over €3 million.
Overseas mortgages in the United States: From the buzz of the east coast to the light-filled expanses of California, it’s little wonder so many HNW investors are keen to purchase property in the States. Securing a mortgage, however, can be extremely complicated – especially for international investors and non-residents. Using a private lender is the best route to successfully securing a mortgage; if you’re looking to buy or refinance a property valued over $5 million, the Articus team is ready and waiting to assist you.
Quite simply get in touch, our experienced team of brokers will be happy to chat through your case and advise on the next best steps.
Articus Finance is a boutique mortgage broker based in London,
we find creative solutions for High Net Worth individuals who require financing on their worldwide assets.
Whether you’d like to make a finance enquiry or simply have
a question about our services, we’re on hand to help.
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Harry has over 16 years of experience within the Finance, Housing and Development sector. He started off his career as a CIMA Qualified Chartered Accountant and transitioned over to financial services in 2019. During this time he has dealt with a range of complex financial arrangements from ex pat mortgages to large development loans. Harry has a can do attitude and believes there’s a solution to every situation and will work tirelessly to ensure your deal crosses the line. In his spare time Harry likes to play poker, travel and try new cuisines.
Carolina is a multilingual Marketing Manager originally from Portugal. She specialises in International Marketing and Business, helping organisations expand their brand awareness globally over the last 4 years. Her past work includes supporting start-ups to multinational companies in the UK and across Europe. She is a creative and passionate individual, bringing a fresh perspective to the financial industry and delivering high quality research.
In her spare time, Carolina enjoys socialising & travelling around the world, embracing different cultures and experiences.
Antonia brings fantastic planning, organisational and time management skills to her role as office manager, ensuring that operations at Articus run smoothly. An experienced administrator with fantastic problem solving skills, Antonia began her career working in medical administration, so she is highly experienced working with confidential client data.
Matthew has experience working as a mortgage administrator and assisting with clients of any calibre. His main strength is his ability to develop a close relationship to his brokers and clients, allowing for a smooth transition throughout your mortgage journey, his friendly nature helps in making the process a lot less intimidating than it needs to be. Outside of work Matthew spends his time playing Chess and exploring the world with his Girlfriend.
Theo started his journey in the specialist finance industry while working as a journalist at an industry trade magazine. During this time he amassed a great knowledge of mortgages, bridging, development and commercial funding and established a wealth of relationships in the industry. He transferred these skills and now specialises in assisting clients with their specialist finance requirements. Working alongside the CEO, Theo has learnt the nuances of ultra-complex transactions and knows how to most efficiently manage the funding process to completion. Theo aims to achieve the best solution for every client he deals with a particular focus on sourcing funding for developments and refurbishment.
With over 20 years of financial services experience Dino is an accomplished mortgage adviser who relishes the more complex cases, enjoys a challenge and always does everything he can to ensure his clients not only get the result they need but to achieve their property goals. A fully qualified financial adviser Dino quickly realised that property and mortgages were his passion and over the years gained his experience helping investors build their property portfolios. When not working Dino enjoys spending time with his family, loves modern and classic performance cars, popular culture, technology, mountain biking and is a supporter of West Ham United.
Whether you require access to bespoke funding, or need to fund a project of any scale, Samuel will always find a solution to meet the requirements of any client. No matter how complex your case is, through his innovative and determined nature, he can find a structure to finance a client’s plans. As a trained martial artist, Samuel’s passion and confidence carries over into the workplace, and you can expect a clear and concise transaction journey from start to finish.
Jason started in 2012 in financial services working across London’s property and financial services markets for HNW individuals. He is able to construct tailor-made solutions to suit his client’s needs, no matter how complicated. He has completed multi-million pound residential, buy to let and commercial developments across the UK. Jason is a confident and motivated individual whom takes pride in offering an exceptional and professional level of service to all of his clients. Outside of work he enjoys hiking, cycling and traveling the world with his sights set on Base Camp Everest.
Assad prides himself on being open minded and thinking outside the box. Through a personalised approach and consistent communication; Assad’s strong relationships with specialist lenders gives him the ability to reach the ideal outcome for his clients. With a particular strength in dealing with foreign nationals and ex-pats he approaches his clients with a can-do attitude. His attention to detail allows him to actively support his clients and build a long-term relationship by giving a truly tailored approach. Outside of work, Assad is a keen explorer and foodie, regularly travelling to remote destinations and testing out the local cuisines.
Shyan is a global businessman with keen commercial acumen and a deep understanding of the UK property market. Following the successful completion of an undergraduate and postgraduate degree in Mathematics from King’s College London, Shyan has held a range of highly strategic roles, with a focus on UK property investment – meaning he is well versed in the world of HNW property finance. Not only is he an experienced UK landlord, he has an impressive history in the world of property trading, and has played a pivotal role in the completion of a number of large scale development projects with values up to £30 million.
Ollie entered the world of high net worth mortgages after living in Geneva, where he provided tailored financial advice to private clients. This experience shaped his career trajectory, giving him first-hand experience in understanding and communicating the benefits of financial advice – all while developing the ability to build exceptional client relationships. Following this, Ollie moved back to London where he began specialising in mortgages. His drive, ambition and natural flair for anticipating the needs of his clients led him to progress quickly from Client Services to broker, where he honed his skillset after passing his CeMap exams. Outside of work, Ollie is an avid traveller – and an equally keen supporter of his local club, Fulham FC.
Antonio has over a decade’s experience arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking. As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.
Antonio started in financial services in 2006, arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking.
As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.