Questions about IPF

Our team of bi-ligual, CeMap-qualified mortgage consultants specialise in arranging residential mortgages for non-residents purchasing property abroad. Our main markets are France and Spain. In 2020 we were awarded 'Best Specialist Mortgage Broker' in the British Bank Awards so we

Our main markets are France and Spain, but we are able to assist, for loans over €1M in other European countries such as Italy, Portugal, and Switzerland.

Our minimum loan amount for a French mortgage is €150,000. As the maximum LTV available for a noon-resident is 85%, we can therefore only assist with property purchases over €180,000. In Spain, our minimum loan amount is €250,000 and the maximum LTV is usually 70%

Yes, we are proud to have been the first UK-based international mortgage broker to become regulated after the European Mortgage Directive came into force in 2016. All out Mortgage Consultants are CeMap-qualified and able to offer you mortgage advice. Please bear in mind that any French-based mortgage brokers, or the bank's direct sales team do not have these qualifications and can not offer you advice on the most suitable products for your circumstances. If they are not FCA-regulated, then you will not be covered by the Financial Services Compensation Scheme. You can find our details on the FCA register under number: 726230

We work with over 50 international retail and private banks across France, Spain, Luxembourg, Switzerland and Monaco. As there is no electronic mortgage sourcing system for international mortgages, the only way to scour the whole market is to have relationships with all the banks that will lend to non-residents. Due to the volume of business we have conducted over the past 12 years, and the depth of the relationships we have cultivated, we have the largest panel of lenders in the market.