Mortgage Abroad

It is possible to borrow up to 70% of the lower value of the purchase price and valuation with a mortgage on the property in question. Loan in euros with a maximum term of 30 years, instalment due every quarter.

The minimum loan amount for private individuals is EUR 210,000. This means we can finance purchases from EUR 300,000 and upwards.

If you wish to purchase a company property through a company, the minimum loan amount will be EUR 500,000. The purchase price then starts at EUR 715,000 and upwards.

You can apply for a pre-qualification letter before you find the property you wish to purchase. A pre-qualification letter is a useful document that confirms the bank's willingness to lend you a certain amount of money based on given assumptions.

When you have a pre-qualification letter, you are able to act quickly when the right opportunity arises. A pre-qualification letter is not mandatory for the process of finding your dream home; however, it can assure potential sellers of your ability to finance a purchase.

If you have already found the property you wish to purchase, you will, if the credit application is approved, receive a loan offer. The financing is conditional upon the property you wish to buy being approved by the bank after the valuation has been completed.

You may experience that the valuation comes in lower than the agreed purchase price. In such cases, you will need more equity. However, we will help you safely through the financing process.

It is possible to take out a loan through your own company. If you wish to finance or refinance property via your company, the bank will require a personal guarantee in the form of a consumer guarantee from the principal shareholder(s).

When you own property abroad, you must comply with laws and regulations both where you are resident for tax purposes and in the country where the property is located.

Be aware that purchasing property abroad may have consequences under applicable local inheritance and tax legislation. It may therefore be advisable to seek advisory services from a lawyer early in the purchase process to clarify any consequences, as well as to find the best solution for you and your family.