International Property Loans
Cross-border lending for property in EU, MENA, North America.
Acquisition and refinance of property held in 18 jurisdictions — placed with lenders licensed in-country and underwritten centrally.
Ticket size
£500K – £50M
Turnaround
Heads in 14 days
Capital partners
27+
Composes with
3 sectors
Key highlights
What sets this apart.
18 jurisdictions
EUR / USD / AED denominated
Cross-collateral structures
The problem
Why this capability exists.
Cross-border property buyers face a maze of local lenders, each with their own KYC, tax and language barriers.
Our approach
- 01
Map your residency, asset and income across our jurisdiction matrix.
- 02
Engage in-country lenders we already have terms with.
- 03
Coordinate local counsel, notary and tax advisor in one workstream.
Outcomes you can expect
- 18 active lending jurisdictions
- Local-language advisor in every market
- Average 21-day completion EU-wide
Typical structures
How international property loans deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Capital & Interest
Standard amortising loan, 5–30yr terms, fixed or tracker.
Interest-Only
Asset-backed exit; common for HNW, BTL portfolios and private bank clients.
Offset / Lombard
Liquid assets pledged to reduce effective rate; private bank structures.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- up
Specialist bridging house · Refurb-to-let bridge
Reopened postcode list across NW + Yorkshire. Faster valuations via desktop AVM.
Now lending to 80% LTV (was 75%)
- down
Tier-1 challenger bank · Senior development
Credit committee re-priced post-MPC. Repeat sponsors with delivered comparables only.
−25 bps on 65% LTGDV
- down
Family-office mezzanine · Stretched mezz on resi dev
Rotating out of equity into debt. Wants £3–8m strips, full QS oversight.
Hurdle IRR cut 150 bps for repeat sponsors
Who this fits
Audience fit, scored from the brief.
HNW & family offices
100%
Structured credit, complex cases, cross-border, tax-efficient capital.
Property developers & investors
50%
Bridging, development finance, BTL portfolios, refurb-to-let.
Brokers & intermediaries
25%
Lender intel, criteria shifts, packaging playbooks.
SME founders & CFOs
0%
Working capital, growth funding, asset finance, invoice finance.
Composes well with
Stack ideas our desk has placed before.
Regulated Bridging
Chain-break and own-home bridging in 5–10 days.
Marine, Boat & Yacht Finance
From day-cruisers to 50m+ superyachts.
Aviation Finance
Light jets, turboprops, helicopters and fractional shares.
Luxury Asset Finance
Watches, art, jewellery and fine wine — discreetly funded.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Is the asset based in the UK or selected EU jurisdictions?
- Do you have a clear exit (sale, refinance, term loan)?
- Have you completed a similar transaction in the last 5 years?
- Can you contribute 25%+ equity / deposit?
- Is borrower credit history broadly clean?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£89k
Total interest
£103k
Arrangement fee
£30k
Effective APR
9.83%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Tier-1 Clearing Bank ATier 1
Term & RCF
Indic. BoE +1.95%
- Specialist Bridging Bank BSpecialist
Bridging / Refurb
Indic. 0.79%/mo
- Private Bank CPrivate
Lombard / Mortgage
Indic. BoE +1.30%
- Alt Lender DAlt
Stretched Senior
Indic. 9.25% pa
- Specialist Dev Lender ESpecialist
Senior Development
Indic. 10.45% pa
- JV Equity Partner FAlt
Mezz / JV
Indic. 12% pref + share
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Photo ID + proof of address (all parties)
- Last 3 months bank statements
- Asset / scheme summary or sales particulars
- Schedule of works (if refurb / dev)
- Personal asset & liability statement
- Latest filed accounts (if SPV / corporate)
- Source of deposit evidence
- Exit evidence (sale memo / refinance AIP)
FAQs
Frequently asked
The questions clients always ask.
Same business day for clean bridging cases; 24–48 hours for development senior debt; 3–5 days for complex private-bank mortgages.
No. Enquiries are soft-search only until you formally accept terms.
Yes — selected jurisdictions across the EU, Channel Islands, and prime international markets via private-bank partners.
Brokerage is paid by the lender on completion in most cases. For complex structuring engagements we agree a success fee in advance.
Short enquiry
Tell us about your international property loans requirement.
A specialist will respond within one business hour. No credit footprint.