OMF

OMF is a UK and international mortgage broker. The highlighted property markets are a list, not global coverage.

A broker may compare multiple lenders. A direct bank offers its own products. A specialist lender may serve a narrower but more complex segment.

OMF may be relevant to Expats, international buyers and European property purchasers.

The UK, Spain, Portugal, France, Italy and Greece are highlighted. That is not every European country, and it is not worldwide coverage.

International and expat borrowers are described, subject to lender criteria. A full list of residence countries is not published here.

Residential, second-home and selected investment scenarios are described.

Criteria can differ for a home, a second home, an investment, and commercial or development property. Only the purposes named above come from this provider’s published material.

Foreign-currency income is described as a strong specialist capability. How a currency is assessed is case specific.

Salary paid abroad, income in more than one currency, and a loan in a different currency can be stress-tested differently from local income. This page does not set out a lender’s formula. Exchange rates can change the real cost of repayments.

Complex and self-employed income are described as strong.

Self-employed applicants, directors, partnership income, rent, bonus or commission, and investment income are separate questions. Ask which of them this provider will put to a lender.

High-value finance is described as available through specialist lender routes. No maximum is stated.

A larger loan, a private-bank relationship or assets under management can change the conversation. Assets do not automatically secure finance.

Bridging, development and commercial finance are described as selected cases, and not the primary proposition.

Bridging is short-term funding and needs an exit. Development funds construction or a substantial rebuild. Commercial finance is secured on business or investment property. Refinance replaces or restructures existing debt. Only the items named for this provider are taken from its published material.

OMF is a mortgage broker. It is not a direct lender.

Consumer guidance is public. Final fees are case specific. This page does not repeat a rate.

Costs can include a broker fee, a lender arrangement fee, valuation, legal fees, bank administration, mortgage registration, bridging interest, an exit or commitment fee, currency conversion and insurance where it is required. Request a written fee schedule and illustration before proceeding.

• Identity

  Passport or other identification.

• Residence

  Evidence of address and of where you currently live.

• Income

  Payslips, company accounts, tax returns or investment income, depending on the case.

• Assets

  Bank or investment statements, particularly for high-value or private-bank cases.

• Property

  Purchase documents, a valuation and information about the property.

• Source of funds

  Where the deposit came from, and the wider financial background.

• Existing debt

  Other mortgages and liabilities.

Exact requirements vary by lender, property and jurisdiction. WiT Access does not collect these documents.