Why you should choose us

We don’t think of ourselves as mortgage brokers - it certainly wasn’t what we dreamed of being when we were small! But we do love what we do.

Because what we actually do everyday is help make our clients' dreams come true! And we never lose sight of that.

Buying a home overseas is a big thing, whatever your budget. It’s often a culmination of many years of dreaming and researching and finally taking the plunge can be a daunting prospect. And at a time like that, you want a safe pair of hands working in your best interests. We specialise in helping you navigate the process of buying a home overseas, and we don’t rest until you get the keys.

That tenacity, linked with a genuine desire to make a difference to our client’s lives, whilst continuously seeking to improve our business and the wider-industry has meant that we can proudly boast of our market-leading results:

• 100% of our clients would recommend us to a friend or colleague - you can read through over 250 of these personal recommendations on our client feedback page.
• 97% of all overseas mortgage applications made by us are approved - that’s almost double of a bank’s in-house sales team
• Over 80% of our clients complete on their overseas home purchase ahead of the dates in their sales contracts
• We arrange more overseas mortgages per year than any other international mortgage broker - and in this business, experience matters.
• We were the first international brokerage to become FCA-regulated and Instigated and then assisted our overseas banking partners to improve their protection and security processes
• We were named Best Specialist Mortgage Broker in the British Bank Awards 2020 - an accolade voted for by over 40,000 customers

Whilst we don’t want to give away our trade secrets there are a number of reasons why our clients continue to recommend us:

• Over 14 years experience of this specialist market. We understand how to best package your case so that it is understood by the overseas lenders and we have dedicated underwriters at the main banks who prioritise our files above all others.
• Wide panel of retail and private lending partners. In overseas finance, relationships are key - there is no electronic sourcing system, like you would find at a national level. So we spend a huge effort establishing and maintaining new and existing finance partners - which allows us to offer a wide range of products and rates, that due to the volume of business we do are often exclusive or discounted for our clients.
• Speed of service: As a client of IPF you will be looked after by a bi-lingual Consultant and Assistant, ensuring that you can always speak to one of your team. By constantly keeping abreast of our lenders affordability and eligibility criteria we can assess your mortgage options and advise you on the best choices available to you, within a few minutes of speaking with you - if we say you can get a mortgage, you can. Many overseas lenders will take up to 3 months to process an application - we’re able to get approvals issued within 7 working days.
• Quality of financial advice: As a UK-based broker, we are regulated by the FCA - which has the highest requirements of any financial regulator in the world. All our Consultants are fully CeMap-qualified and have a duty of care to ensure that we are giving the best possible advice for your situation. Which means we will say no, when we think an overseas mortgage isn’t the right solution for you.
• Knowledge of the overseas purchase process: For most of our clients purchasing overseas is an unknown process with red tape, unfamiliar legal terms and administrative procedures you have never encountered before - and that’s before any language barrier. For us however, it’s second nature and we are representing you. Which means we will chase the lawyers, and the agents and liaise with the bank and arrange the valuation, and the life insurance and set up a bank account and then chase the lawyer again before updating the agent - you get the picture. One of our clients once described us as a “friendly pitbull” that they were glad was on their side, because once you become our client, we really do stop at nothing in order to secure you the home you've been dreaming of.