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Cross-border mortgages

The Homevest blog discusses the best lenders for cross-border mortgages, trends in home buying, and tips on how to buy property in a different country.

News

A mortgage broker can get you better deals from banks

Mortgage rates in Spain for non-residents [February 2024]

When comparing mortgages for a property in Spain, staying updated on the latest market deals can help you to negotiate effectively. Negotiation is standard practice, and this is where Homevest excels, helping you secure the most advantageous deal.

Homevest and Hoteland assist global customers in making informed decisions about buying property in Spain

Understanding Spain’s real estate landscape: insights from Homevest and Hoteland

We had a conversation with Nicholas Vinberg, Homevest's International Expansion Manager, and Iván Bellod, the Lawyer and Managing Director at Hoteland, regarding the challenges and opportunities for non-residents and foreigners interested in purchasing property in Spain. This discussion comes following the partnership between Homevest and Hoteland, two companies that are working together to streamline the home-buying process in Spain.

Where did non-residents buy the largest share of properties in 2022?

Property markets where foreign buyers had the biggest share in 2022

In collaboration with our partner banks, we are working the first edition of the Homevest international mortgage report. This is the first blog post in this series where we will be sharing the data.

Cross-border mortgages

Can EU citizens get a mortgage in Spain? Everything you need to know

Despite the dip in the housing market during the pandemic, Spain continues to be an excellent place to invest. In 2022, foreigners accounted for a record-breaking 14.6% of total property purchases in the country. If you’re looking to get a mortgage in Spain, understanding the process is essential. Fortunately, Homevest is here to help. Continue reading for more details.

Minimum deposit when getting a mortgage abroad

Minimum deposit for non-resident mortgages in the EU

Saving up for the deposit is a big part of any property purchase. If you are thinking about buying a property in a different country, you might wonder how much cash you need to bring. Here, we take a look at the minimum deposit required in Spain, Portugal, Estonia, Greece, Bulgaria, Croatia, France, Italy, Cyprus and Romania. In many markets, better deals are also available to citizens that are living abroad. Whether you are a citizen or a foreigner, we'll help you understand how much deposit you need to bring, and which are the best banks for non-resident mortgage applicants.

What to expect when applying for a mortgage in Greece from abroad

Greece is the place to go, with over 6000 beautiful islands, vast coastlines, pristine beaches and social-media-friendly buildings, the country is a paradise surrounded by the Aegean Sea. But getting a mortgage from abroad still remains a headache for the regular consumer not willing to spend countless hours on finding and comparing options. That is where Homevest comes into the picture. We can help you understand your mortgage options in Greece and accompany you throughout the property purchase journey in order to secure you a new dream home with mortgage financing, from the comfort of your home.

Self-employed Romanians living abroad can qualify for a developer credit for apartments in Victoria Rezidential

How to get a mortgage in Romania when self-employed and living abroad

There are no banks in Romania that offer mortgages to Romanians living abroad that are self-employed (PFA in Romania). Luckily, developers usually offer credit to self-employed home buyers.

Cross-border mortgages - Spain

A mortgage broker represents your interests in the relationship with the bank

Why non-residents should use a mortgage broker in Spain

Navigating the market as a non-resident can be challenging, especially if you're not familiar with the local market dynamics. A mortgage broker can help make things faster and ensure you finish your mortgage on time.

A mortgage broker can simplify your experience when buying in Spain from abroad

How to choose your mortgage broker for financing in Spain

When choosing a mortgage broker in Spain, consider their experience, reputation, lender network, customer service, fees, and seek recommendations and online reviews. Read a handy guide to help you choose your mortgage broker in Spain when you are a non-resident buying from abroad.

A Spanish mortgage calculator helps you estimate the monthly payments for your mortgage

What are the best Spanish mortgage calculators for non-residents?

Choosing the best Spanish mortgage calculator depends on your specific needs. While some banks offer calculators limited to their products, this guide has compared seven Spanish calculators to help you understand their features and customization options. Explore the best Spanish mortgage calculators tailored for non-residents and see what alternatives are available for you.

Cross-border mortgages - Portugal

The average interest rate in Spain for non-residents was 5.5% in October

Mortgage in Spain vs. Portugal: which is better?

Portugal has fewer banks offering loans to non-residents, while Spain offers a broader range of loan products, including those for buying and renovating homes for non-residents. Continue reading to understand which place offers the best deal for the home you've always wanted.

Foreigners can access a Millennium mortgage up to 2,000,000 EUR

How to get a mortgage in Portugal as a foreigner [2024]

Having decided that you want to buy a house or apartment in Portugal, you might find yourself wondering what the best way to proceed with finding and applying for a suitable mortgage might be. Rest assured, you have arrived at the right place - we're here to explain your options and help you find a mortgage based on your individual situation.

To get the best deal, compare multiple lenders and their offers before deciding

What are the best Portuguese mortgages for non-residents?

Portugal is a hot destination for international property buyers, who have settled there or are buying in a holiday home. If you're planning to buy a property in Portugal, it is essential to explore your mortgage options. Read on to discover the best Portuguese mortgages for non-residents and learn how to compare them quickly and without unnecessary cost.

Property abroad

The cost of living in Spain is generally lower compared to the USA

How to buy a house in Spain as an American: your 2024 guide

Spain has one of the most successful Golden Visa programs in Europe. If you purchase a property worth at least 500,000 EUR, you qualify for the Golden Visa program. Discover all your answers when buying a house in Spain as an American. Our guide covers everything you need to know for an informed decision.

What’s your budget for buying a property in Europe?

When considering buying a property in Europe, the amount you can borrow varies across different markets. Discover everything you need to know about mortgage eligibility and opportunities for UK citizens looking to invest in the European property market.

Property prices in Italy are heavily influenced by location

Buying property in Italy as a foreigner. Everything you need to know

When searching for the perfect getaway in Italy, it's important to find a balance between your budget, lifestyle, and desired location. We'll guide you through the details you need to know if you're considering buying a property in Italy. We'll help you navigate the process of getting the most out of your property budget, including insights on how foreigners can obtain a mortgage in Italy.

Buying property in Portugal as a foreigner. A step-by-step guide

Finding the perfect property can be challenging, but fortunately, foreigners can get a mortgage in Portugal to maximize their property budget. Continue reading to learn all you need to know if you're considering relocating to Portugal or buying a holiday home.

Property abroad - Spain

You can get a Golden Visa in Spain by buying a property valued at over 500.000 EUR

How to buy property in Spain from the UK: your 2024 guide

The quality of life, climate, and the Spanish coastlines draw more foreign homebuyers than ever. Data from the Association of Registrars show that in mid-2022, foreigners bought a record 26,728 homes, making up nearly 16% of all recorded property transactions. Continue reading to learn about buying a property in Spain as a UK citizen, requirements, and tips to make an informed decision.

Transfer Tax on the Costa del Sol has been simplified to a flat rate of 7% for all properties

What taxes do you pay when buying a property in Spain? A 2024 guide for non-residents

Understanding the various taxes and costs associated with buying property in Spain is crucial for non-residents. A long list of fees and property taxes can quickly add up. Read on to learn more.

Looking to buy a property in Barcelona in 2024? Here's what you need to know

Barcelona is one of Spain's most expensive places to buy property. However, the investment could be highly rewarding, particularly if you plan on living or renting there. Keep reading a guide that covers the process, requirements, and tips to make an informed decision.

Golden Visa grants non-EU investors the ability to live and work in Spain by investing in real estate

Getting residency in Spain by buying property. A how-to guide

Spain encourages foreign investments, so any non-resident from the UK, the United States, or the European Union can buy property in Spain. Read on for more information and see what you need to do to qualify for residency in Spain by buying property.

Property abroad - Italy

Property prices in Italy are heavily influenced by location

Buying property in Italy as a foreigner. Everything you need to know

When searching for the perfect getaway in Italy, it's important to find a balance between your budget, lifestyle, and desired location. We'll guide you through the details you need to know if you're considering buying a property in Italy. We'll help you navigate the process of getting the most out of your property budget, including insights on how foreigners can obtain a mortgage in Italy.

Property abroad - Portugal

Foreigners can access a Millennium mortgage up to 2,000,000 EUR

How to get a mortgage in Portugal as a foreigner [2024]

Having decided that you want to buy a house or apartment in Portugal, you might find yourself wondering what the best way to proceed with finding and applying for a suitable mortgage might be. Rest assured, you have arrived at the right place - we're here to explain your options and help you find a mortgage based on your individual situation.

To get the best deal, compare multiple lenders and their offers before deciding

What are the best Portuguese mortgages for non-residents?

Portugal is a hot destination for international property buyers, who have settled there or are buying in a holiday home. If you're planning to buy a property in Portugal, it is essential to explore your mortgage options. Read on to discover the best Portuguese mortgages for non-residents and learn how to compare them quickly and without unnecessary cost.

Buying property in Portugal as a foreigner. A step-by-step guide

Finding the perfect property can be challenging, but fortunately, foreigners can get a mortgage in Portugal to maximize their property budget. Continue reading to learn all you need to know if you're considering relocating to Portugal or buying a holiday home.

Property abroad - Greece

Getting a mortgage in Greece as a foreigner is straightforward

Buying property in Greece as a foreigner. Everything you need to know

Finding the perfect property can be challenging, but fortunately, foreigners in Greece have the option to obtain a mortgage, allowing them to boost their property budget. Our guide covers the process, requirements, and tips to make an informed decision.

Customer Stories

How easy is it to buy a property from France to Spain? Find out how Sandra succeeded

Sandra and her husband had a strong desire to invest in a property in Spain and return to their home country. However, as a Spaniard living in France, Sandra was unsure if she would meet the bank's mortgage criteria. She was almost running out of options when she discovered Homevest. Read on to find out how Sandra succeeded in her journey.

From the UK to Romania: Making the home buying process easy and stress-free

Mioara Sanduc is from Romania and has been working in the UK for several years. Although she enjoys her life abroad, Mioara has always dreamed of owning a property in Romania to which she can return home. Find out how using Homevest led Mioara to her property in Bucharest in less than two weeks.

Can I get a mortgage in Spain from Finland? A case study

Ferran inherited part of a house in Castellón, on the Costa del Azahar, and wanted a mortgage to finance purchasing the rest of the property. It was a challenging experience because he needed to finance a property that was already partially owned. Continue reading our case study for more information.

A platform for mortgages

Homevest is a pan-European mortgage and homebuying platform. We strive to bring the mortgages in the 21st century.

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