Expat mortgage provider
OMF
UK and international mortgage broker
Overseas Mortgage Finance arranges UK and international mortgages. The destinations highlighted are the UK, Spain, Portugal, France, Italy and Greece.
At a glance
- Provider type
- UK and international mortgage broker
- Global reach
- High
- Primary audience
- Expats, non-resident buyers and international property purchasers
- Destination markets
- UK · Spain · Portugal · France · Italy · Greece
- Borrower residence coverage
- Expats / non-residents
- Property purpose
- Residential and investment
- Foreign-currency income
- Cross-border
- Complex income
- Specialist lender routes
- High-value finance
- Specialist routes
- Regulatory model
- FCA for UK advice
- Pricing model
- Case specific
What type of mortgage provider is this?
OMF (Overseas Mortgage Finance) is a UK and international mortgage broker. It is not a direct lender, and the highlighted destinations are not a claim of global coverage.
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
OMF may be relevant to Expats, non-resident buyers and international property purchasers.
Where can you finance property?
UK, Spain, Portugal, France, Italy and Greece are highlighted. That list is not every European country, and it is not worldwide coverage.
Where can borrowers live?
International buyers and expats are described, subject to lender criteria. A list of every country a borrower may live in is not published here.
Main home, second home or investment property?
Residential and property-investment financing are described. Buy-to-let is not named as a separate product in the material used here.
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
Cross-border income expertise is described. How a particular currency is assessed is case specific.
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 through a specialist lender panel. The panel is not reproduced 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 finance is described as potential through specialist or private lender routes. No maximum is stated.
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
UK mortgage advice is described as FCA-regulated. International activity is subject to the framework that applies in the destination. FCA authorisation does not extend to every overseas market.
Provider model: Mortgage broker.
What the mortgage can cost
Fees are case specific. Request them in writing. This page does not state 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 OMF directly. The published material reviewed for this page does not answer this for your application.
Which property countries do you currently cover?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
Which borrower-residence countries do you accept?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
Do you accept income in my currency?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
How is foreign-currency income assessed?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
Do you work with self-employed applicants?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
Can you use rental income?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
Do you support buy-to-let?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
Do you handle high-value mortgage cases?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
How much deposit might be required?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
Which lender fees apply?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
Do you charge a broker fee?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
When is the broker fee payable?
Ask OMF 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 OMF directly. The published material reviewed for this page does not answer this for your application.
Which entity provides the regulated advice?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
Which regulator applies?
Ask OMF 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 OMF directly. The published material reviewed for this page does not answer this for your application.
Can you coordinate valuation or legal work?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
What documents will lenders usually require?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
How long is a mortgage offer typically valid?
Ask OMF directly. The published material reviewed for this page does not answer this for your application.
What happens if exchange rates move before completion?
Ask OMF 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://globalomf.com/
The provider’s published service description used for this 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.