Advising clients buying abroad

arranging finance on prime overseas propertY

SPF is one of the few UK mortgage brokerages to have an international mortgage desk, dedicated to advising clients buying abroad. The process of buying international real estate varies from country to country and dealing with overseas banks and agents, particularly if there is a language barrier, is demanding and time-consuming.

With 30 years’ experience in arranging finance on prime overseas property, our multi-lingual team has access to a panel of niche international lenders and private banks. We manage the mortgage transaction to completion, liaising with all parties involved throughout the process.

Terms are bespoke and our depth of experience is invaluable in selecting the right lender. Optimum lending also takes into account factors such as wealth and inheritance tax planning.

Discretion is at the heart of our relationship with every client and all enquiries are treated in the strictest confidence. We advise clients looking to buy in the following countries: France and Monaco, Spain, Portugal, Italy, Switzerland and the Caribbean. Countries further afield are considered on a case-by-case basis.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt.

We may charge a fee for the advice we provide; this fee will be dependent upon your personal circumstances and will be agreed with you after we have fully understood your requirements. Any fee is usually payable upon successful completion of your mortgage.


Whatever your enquiry, we will endeavour to be of assistance to you. Please feel free to call us or complete our enquiry form below.


team members

Miranda John
International Property
With a career in international mortgages spanning 30 years, Miranda has built strong, trusted relationships with private banks and overseas lenders. Miranda provides an exclusive service tailored to the requirements of high-net-worth individuals to secure the best available terms. Law firms, tax specialists, property agents and banks regularly refer their clients to her.

latest Market Insights


What our clients say