There are three main ways to finance a home abroad. The right one depends on the country, your income and how much risk you want to carry.
Borrow from a bank in the country you're buying in, secured on that property.
Good for: Keeps the loan in the same currency as the property; the bank knows the local market.
Watch out: Non-residents typically need a 30–40% deposit and must prove income with translated documents.
Raise funds against a property you already own in your home country.
Good for: Often quicker and cheaper; you buy abroad as a cash buyer, which strengthens your negotiating position.
Watch out: Your home is at risk if you can't keep up repayments, and you carry the currency risk yourself.
Banks and brokers that arrange cross-border mortgages for expats and overseas buyers.
Good for: Useful for unusual situations — multiple income sources, retirees, or countries where local banks won't lend to you.
Watch out: Rates and arrangement fees can be higher; use a broker regulated in your home country.
Non-resident mortgages are common; terms up to 20–25 years, usually ending by age 75.
Banks lend readily to non-residents; life insurance is often required with the loan.
Some of Europe's lowest rates; French banks assess affordability strictly on income, not assets.
Lending to non-residents is possible but slower — allow extra time for valuation and approval.
Fewer lenders serve non-residents; many buyers raise funds at home instead.
Local mortgages for foreigners are uncommon — most buyers use cash or finance from home.