Mortgage advisory
Independent guidance on mortgages and pre-approvals from advisers who compare lenders for you.
Our mortgage partners are fictional independent advisers in the demonstration scenario, authorised in each country. They compare products from a panel of lenders, explain the effect of fixed and variable rates and help non-resident buyers prepare their documents.
What you get
- Whole-market comparison: Products compared across a panel of lenders.
- Non-resident expertise: Experience with expatriate and cross-border applications.
- Pre-approval fast: Decision in principle often within 48 hours.
- Plain explanations: Costs shown as a monthly figure and a total.
Advice is based on your circumstances and the adviser discloses fees and commission before you proceed.
Why clients choose us
Whole-market comparison
Products compared across a panel of lenders.
Non-resident expertise
Experience with expatriate and cross-border applications.
Pre-approval fast
Decision in principle often within 48 hours.
Plain explanations
Costs shown as a monthly figure and a total.
How it works
- 1
Fact find
A short call to learn your income, deposit and plans.
- 2
Options
We present suitable products with costs.
- 3
Application
The adviser submits it and chases the lender.
- 4
Offer to completion
We keep your lawyer and agent in the loop.
Common questions
Answers to the questions clients ask us most about this service.
What is a mortgage pre-approval?
A pre-approval is a lender’s written estimate of how much it will lend you, based on a review of your income, debts and credit history. It shows sellers you are serious and helps you set a realistic budget. It is not a guarantee of final approval.
Fixed or variable rate: which is better?
A fixed rate gives certainty over a set period, usually two to ten years, and suits buyers with tight budgets. A variable or tracker rate can start lower and rise or fall with the market. Compare total costs over the period you expect to keep the loan, including fees for early repayment.
Can a non-resident get a mortgage?
Yes in most countries, but terms differ. In Portugal and Spain, banks may lend up to 60% to 70% of the price to non-residents. UK lenders will lend to expatriates with higher deposits and specialist products. Expect to provide more documentation, including tax returns from your country of residence.
What affects my mortgage interest rate?
Lenders consider your credit score, the size of your down payment, the loan-to-value ratio, your employment stability and the type of property. A larger deposit and a stronger credit profile typically bring lower rates.
Talk to us about mortgage advisory
Tell us what you need and a specialist will get back to you — no obligation.