Expat mortgage provider
International Private Finance
Specialist international / overseas mortgage broker
Overseas mortgages for non-residents, arranged as specialist cross-border broking. Destination coverage is confirmed case by case.
At a glance
- Provider type
- Specialist international / overseas mortgage broker
- Global reach
- High
- Primary audience
- Non-resident property buyers, expats and investors
- Destination markets
- International / destination-specific
- Borrower residence coverage
- Broad international
- Property purpose
- Residential and investment
- Foreign-currency income
- Specialist
- Complex income
- Available
- High-value finance
- Available
- Regulatory model
- Market-specific permissions
- Pricing model
- Case specific
What type of mortgage provider is this?
International Private Finance is a specialist international mortgage broker. It arranges finance. It is not a bank offering its own mortgage. A public partner route exists. That does not mean WiT Access has an agreement.
A broker may compare lenders. A direct bank offers its own products. This affects product choice and how the service should be compared.
Who it may suit
International Private Finance may be relevant to Non-resident property buyers, expats and investors.
Where can you finance property?
The published model is an international, destination-specific lender network. Exact coverage is confirmed per case. This is not a fixed country list.
Where can borrowers live?
A broad non-resident client base is described. Eligibility still varies by the destination lender. A residence country is not accepted for every product.
Main home, second home or investment property?
Residential, second-home and investment scenarios are described.
Lender criteria can differ for a primary residence, a second or holiday home, a buy-to-let, an investment, and commercial or development finance. Only the purposes named above are taken from this provider’s published material.
Foreign-currency income
Foreign-currency income is described as specialist cross-border underwriting support. That is not universal acceptance of every currency.
Salary paid abroad, bonuses and a mortgage in another currency can be assessed differently from local income. This page does not set out a lender’s affordability formula. Exchange-rate movements can change the real cost of repayments after completion.
Self-employed and complex income
Self-employed and complex income are described as available, subject to lender criteria. Exact underwriting rules are not published here.
Self-employed applicants, company directors, contractors, bonus or commission, rental income and income in more than one currency are separate questions. Ask which of them this provider will actually put to a lender.
High-value and private-bank finance
High-value and complex cases are described as available. No monetary maximum is stated in the material used here.
A larger loan, a private-bank relationship or assets under management can be relevant to underwriting. Assets do not automatically secure approval.
Regulatory and broker model
This is a specialist mortgage broker. Regulatory permissions depend on the market. A permission in one country is not a permission in every destination.
Provider model: Specialist mortgage broker.
What the mortgage can cost
Fees and terms are case specific. Request a written illustration before proceeding. This page does not state a fee, a rate or a loan-to-value.
A mortgage can include a broker fee, an arrangement or lender fee, valuation, legal fees, bank administration, mortgage registration, insurance where it is required, currency conversion and local property taxes. Request a written illustration or fee schedule before proceeding.
Documents lenders commonly ask for
Identity
Passport or other identification. The lender says which document it will accept.
Residence
Evidence of address and of where you currently live.
Income
Payslips, tax returns or company accounts, depending on how you are paid.
Banking
Account history and existing commitments.
Property
Reservation or purchase documents, and a valuation the lender commissions.
Source of funds
The deposit source and financial history may be requested.
Exact requirements vary by lender and jurisdiction. WiT Access does not collect these documents.
Questions to ask
These are questions for the provider. This page does not answer them for a particular application.
Do you lend directly or act as a broker?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Which property countries do you currently cover?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Which borrower-residence countries do you accept?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Do you accept income in my currency?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
How is foreign-currency income assessed?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Do you work with self-employed applicants?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Can you use rental income?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Do you support buy-to-let?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Do you handle high-value mortgage cases?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
How much deposit might be required?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Which lender fees apply?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Do you charge a broker fee?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
When is the broker fee payable?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Is the fee refundable if the mortgage does not complete?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Which entity provides the regulated advice?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Which regulator applies?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Do you search a lender panel or only selected lenders?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Can you coordinate valuation or legal work?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
What documents will lenders usually require?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
How long is a mortgage offer typically valid?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
What happens if exchange rates move before completion?
Ask International Private Finance directly. The published material reviewed for this page does not answer this for your application.
Sources and review
Reviewed 7 October 2026.
- Service page
https://www.internationalprivatefinance.com/
The provider’s published service description used for this page.
- Provider page
https://www.internationalprivatefinance.com/partners
A further public page from the provider. It does not mean WiT Access has an agreement.
- Evidence page
https://www.internationalprivatefinance.com/faqs
Further public material reviewed alongside the service page.
Information is based on publicly available provider information reviewed by WiT Access. Mortgage products, interest rates, lender criteria, residence eligibility, fees and regulatory requirements can change.
WiT Access provides general information and comparison resources. Mortgage availability, rates, fees, loan-to-value limits, affordability requirements and borrower eligibility vary by lender, property, residence, currency and individual circumstances. Nothing on this page constitutes mortgage, financial, tax, legal or investment advice.
WiT Access does not determine mortgage eligibility or approve mortgage applications.
Where regulated mortgage advice is required, it should be provided by an appropriately authorised adviser or lender.