UK-qualified advice for buying overseas
Secure the right solution for your dream home abroad
Fluent Finance Abroad connects you with UK-qualified Financial Advisers and specialist advisors who navigate complex overseas lending, currency, and legal requirements - so you can buy with confidence.
Access lenders for holiday homes, investment properties, and relocations
Tailored structures across currencies and jurisdictions
End-to-end guidance from initial idea to keys in hand
No obligation, no impact on your credit score.
Get a personalised overseas move assessment
Share a few details and a UK-qualified adviser will contact you to outline suitable options.
Typically responding within 1 business day.
Advisers with experience across popular destinations including Spain, Portugal, France, Italy and the UAE.
How it works
From idea to overseas completion in three guided steps
Your adviser will structure your overseas move around your income, currency exposure, and long-term plans.
Step 1
Exploration call
Discuss your target country, property type, budget, and timelines with a UK-qualified adviser who understands both UK and local lender criteria.
Step 2
Tailored lending strategy
Your broker maps suitable lenders, LTVs, currencies, and repayment options, explaining tax and legal implications in plain English.
Step 3
Application & completion
Your broker coordinates documentation, valuations, and underwriting with overseas lenders, keeping you updated until the keys are in your hand.
Why Fluent Finance Abroad
UK-qualified expertise for complex overseas decisions
Buying property in another country introduces new layers of risk—from fluctuating exchange rates to unfamiliar legal systems. Our network of advisers combines UK regulatory standards with on-the-ground understanding of overseas markets.
Guidance from UK-qualified Financial Advisers with over 30 years in business
Clear explanations of lending criteria, fees, taxes, and timelines
Support coordinating with agents, lawyers, and overseas banks
Strategies to manage currency and interest-rate risk over the long term
Result: you avoid costly mistakes and move forward with a structure built for your goals - whether that's holiday enjoyment, rental income, or a future relocation.
Sarah Collins, Chartered Financial Planner
Specialist in cross-border & expatriate planning
“Overseas property should feel exciting, not overwhelming. My role is to translate complex lending rules, tax considerations, and local practices into clear choices you can be confident in. Together we build a structure that works just as well ten years from now as it does on completion day.”
Speak with an adviser who regularly works with British residents, expats, and international investors purchasing abroad.
Who we help
Finance solutions for every type of overseas buyer
Whether you're dreaming of summers in the sun or building a rental portfolio, advisers tailor recommendations to your specific objectives.
Holiday homes
Structure a solution that gives you flexibility to enjoy the property while keeping future plans open - including potential full-time relocation.
For villas, apartments & coastal homes
Options for personal use with occasional letting
Insight on running costs, taxes, and insurance
Investment properties
Design a finance structure around yields, long-term appreciation, and exit plans, including inheritance and tax considerations.
- Buy-to-let and holiday-let focused lending
- Guidance on realistic rental assumptions
- Portfolio planning across multiple countries
Relocation & expats
Coordinate your move overseas with finance that works alongside visa requirements, employment changes, and family plans.
Primary overseas residences
Solutions for UK expats and non-UK residents
Support integrating visas, schooling, and timelines
Tell us about the home you'd like to buy abroad
In a short, no-pressure conversation, an adviser will:
- Assess your eligibility with likely lenders
- Outline indicative borrowing amounts and rates
- Explain the key risks and how to manage them
There's no obligation to proceed, and you'll leave the call with a clear view of what's realistic for your situation.
Questions, answered
Overseas moves can feel complex. We help make them clear.
Here are answers to common questions. Your adviser will always tailor guidance to the country, lender, and property you're interested in.
Can I get an overseas solution with you if I live and work in the UK?
In many popular destinations, yes. Lenders often have specific products for UK residents buying abroad, with criteria around income, credit history, deposit size, and property type. A broker will review your situation first, then match you to lenders most likely to approve your application.
How much deposit do I need for a property overseas?
Deposit requirements vary by country and lender, but are typically higher than for UK property. Many overseas lenders look for 20–40% deposits, depending on whether the home is for personal use, holiday letting, or pure investment. Your adviser will outline realistic loan-to-value (LTV) ranges for your target country.
Will my solution be in my home currency or the local currency?
Both options may be available. Your adviser will talk you through the pros and cons of borrowing in GBP versus local currency, including how exchange rates can affect your repayments and total cost over time. Managing currency risk is a key part of overseas mortgage planning.
Do I need a local bank account and lawyer?
In most countries you will work with a local lawyer or notary, and you may need a local bank account for payments and ongoing bills. Fluent Finance Abroad can coordinate with trusted local professionals or work alongside your chosen solicitor to keep the process joined up.
What does your initial consultation cost?
Your initial conversation is typically offered without obligation so you can understand whether an overseas mortgage is realistic for you. If you choose to proceed, your adviser will explain any advice or broker fees in advance, as well as fees charged by the lender and local professionals.
Ready to explore finance for your home abroad?
Share a few details and a UK-qualified adviser from Fluent Finance Abroad will outline your options for holiday homes, investment property, or relocation overseas.
No obligation. No impact on your UK credit score.
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