Author: GMG

What You Will Learn

• How global mortgage solutions allow investors to buy property anywhere without local income or residency
• Which countries are most accessible for non-resident mortgages
• How bridging loans + mortgages help investors act fast in competitive markets
• How global lenders underwrite using international income and assets
• How GMG structures cross-border financing across 21 international markets

Why Global Investors Can Now Buy Property Anywhere

Modern global mortgage solutions allow investors to live in one country and finance real estate in another, even without local income, domestic credit, or residency. According to the Knight Frank Wealth Report and OECD cross-border housing data, demand for international real estate is rising sharply as investors seek diversification, rental yield, and currency stability.

GMG plays a central role in this trend by structuring international mortgages across 21 mortgage-friendly markets, explained in detail in:

• GMG’s Top Mortgage-Friendly Countries for Non-Resident Buyers

This shift means a Singaporean can buy in London, a Dubai investor in Toronto, or a European buyer in Miami, all through structured non-resident lending.

Global Mortgage Solutions: How They Actually Work

Traditional banks require domestic tax filings, local credit reports, and in-country employment. Global mortgage solutions do not.

Instead, non-resident underwriting evaluates:

• Global income and business revenue
• International employment contracts
• Foreign bank statements
• Overseas assets and liquidity
• International credit reports (if available)

This model aligns with the financing pathways GMG outlines in:

• How International Investors Use Property Financing in 2026

The result: investors can buy abroad without residency, U.S. W-2s, U.K. payslips, or UAE income.

Where Non-Residents Have the Strongest Financing Access

Certain countries welcome global buyers because their lending ecosystems are built for international participation. Examples include the U.S., U.K., UAE, Canada, Portugal, Australia, and Singapore.

GMG’s full list is here:

• Top 5 Countries With the Easiest Property Financing Options
• Mortgage Access for Expats & Foreigners in Dubai

These markets offer predictable underwriting, transparent laws, and deep rental demand, key factors confirmed in global studies from Knight Frank and OECD.

The Secret Strategy: Bridging Loans + Long-Term Mortgages

Sophisticated investors rarely rely on traditional mortgage timelines. They pair fast bridging loans with structured long-term mortgages.

Step 1: Bridging Loan for Immediate Liquidity

Used for:

• Securing a property before competitors
• Meeting developer deadlines
• Tapping equity from overseas property
• Acting quickly in fast markets

GMG provides these short-term solutions globally:

• Global Bridging Loans for Property Investors
• Private Bridging Loans vs. Bank Loans

Step 2: Transition to a Long-Term International Mortgage

Once secured, GMG refinances into stable financing that matches the investor’s long-term goals.

This approach is used across eight key markets, illustrated in: How Global Bridging Loans Connect Investors Across 8 Markets

This two-step method is also widely used by high-net-worth families, as shown in: World’s Wealthiest Investors Leveraging Bridging Loans

Real Example: How Global Investors Buy Anywhere

A Singapore-based investor purchased a Miami condo while living in Dubai, without U.S. credit, U.S. tax history, or residency.

GMG structured:

• A short-term bridging loan to lock in the unit immediately
• A 70% LTV international mortgage using foreign income
• A cross-border cash-flow plan for long-term rental stability

This same strategy is applied in Lisbon, Vancouver, Sydney, London, and Dubai.

Investing While Living Abroad: The GMG Advantage

GMG enables global investors to live anywhere while building portfolios across multiple countries. Our platform integrates mortgage planning, cross-border underwriting, and bridging solutions into one seamless process.

Explore additional insights:

• Avoid This Mistake: Trying to Buy Without a Mortgage Plan
• International Mortgages Across 21 Countries
• World’s First U.S. Mortgage Solution for Wealth Management Distribution

GMG structures lending around you, not your location.

Build Your Global Financing Strategy with GMG

Whether you live in Singapore, London, Dubai, Hong Kong, or anywhere in between, GMG provides the global mortgage solutions needed to build an international real estate portfolio.

GMG handles strategy, underwriting, lender selection, and cross-border structuring, so you can focus on finding the right property.

To explore your financing options, contact us at [email protected], or connect with our team through the GMG Contact Page.

✦ Global Experts in International Mortgages & Bridging Loans

Summary

You don’t need local credit, residency, or domestic tax filings to buy international property. With global mortgage solutions, bridging finance, and non-resident underwriting, investors can buy in 21 countries through GMG’s structured, predictable system. Living abroad no longer limits where you invest; GMG makes cross-border ownership accessible and strategic.

Frequently Asked Questions

Q1. Can I finance property abroad without residency?

A: Yes. Most non-resident mortgage programs evaluate global income, international assets, and foreign credit, not residency or local income.

Q2. How fast can a bridging loan be arranged?

A: GMG can structure bridging finance in as little as 24–72 hours, depending on market and documentation readiness.

Q3. Which countries are easiest for non-residents?

A: Markets like the U.S., UAE, Canada, Australia, and Portugal have transparent foreign-buying laws and strong international lending ecosystems.

What You Will Learn

• How global real estate loans work with no local credit or residency
• Why some countries are far more mortgage-friendly for non-residents
• How global investors use bridging loans + long-term mortgages
• What lenders evaluate when approving non-resident mortgages
• How GMG structures cross-border financing across 21 countries

The New Reality: You Can Finance Property Abroad Without Local Credit

Global property investment is accelerating as investors chase stronger rental yields, long-term appreciation, and currency diversification. What most people still don’t realize is this:

You do NOT need local credit, residency, or domestic income to access global real estate loans.

This is validated by the OECD’s international property ownership data and the World Bank’s global financial inclusion research, showing an increase in non-resident transactions supported by cross-border lending.

Global Mortgage Group sees this every day: investors from Singapore, the UAE, Hong Kong, the U.K., and Europe secure property across 21 countries despite having zero credit footprint in those locations.

To see which jurisdictions offer the most predictable approval pathways, GMG’s analysis of mortgage-friendly countries for non-resident buyers provides clear benchmarks:
GMG’s Top Mortgage-Friendly Countries for Non-Resident Buyers.

Why Local Credit and Residency No Longer Matter

Traditional banking relied on domestic tax returns, payroll, and credit reports. Global lenders, private banks, and cross-border specialists now evaluate international financial strength:

• Global salary or business income
• Overseas tax filings
• International corporate revenue
• Non-resident credit reports (if available)
• Verified assets across multiple jurisdictions
• Liquidity and cross-border holdings

This is why non-resident mortgages in places like the U.S., Dubai, Australia, Singapore, Canada, Portugal, and Spain remain liquid.

GMG explains these global underwriting differences in its coverage of international property financing frameworks across borderless markets.

How Global Real Estate Loans Are Structured

Here is how non-resident underwriting works:

What lenders evaluate

• Global employment or business income
• 3–6 months of international bank statements
• International earnings documentation
• Overseas assets + liquidity
• Reasonable global debt exposure
• Clean conduct on foreign credit bureaus

No local income.
No local credit score.
No residency.

This aligns with GMG’s non-resident framework across 21 jurisdictions described in its overview of cross-border mortgage markets.

The Secret Strategy: Bridging Loan + Long-Term Mortgage

This is the method used by nearly every sophisticated global investor.

Step 1 — Bridging Loan (Speed First)

Used to:

• Lock in the property immediately
• Beat cash buyers
• Meet developer deadlines
• Buy before selling another asset
• Extract equity from overseas property

GMG explains why private bridging is often faster and more flexible than traditional banks.

And how bridging opens doors to investment opportunities across 8 markets.

Step 2 — Transition Into a Long-Term Mortgage

Once the property is secured, GMG transitions the borrower into a stable, long-term mortgage locally.

This two-step structure is common in:

• U.S. investment markets
• U.K. new-build purchases
• Dubai launches
• Australian off-plan transactions

More context on how bridging connects investors to global markets.

Why Some Countries Are Easier Than Others

Countries that welcome non-resident mortgages typically demonstrate:

• Transparent foreign ownership rules
• Predictable lending regulations
• Strong rental demand supporting income underwriting
• Familiarity with overseas documents
• Mature cross-border lending ecosystems

GMG’s ranking of the easiest markets showcases why destinations like the U.S., Portugal, Canada, the UAE, and Australia dominate global non-resident lending flows.

Real Example: Financing With Zero Local Credit

A Hong Kong–based consultant wanted to purchase a USD 1.3M townhouse in Austin, Texas.

GMG Strategy

• Qualified using Hong Kong salary + international tax records
• No U.S. credit score
• No U.S. income
• Structured a 70% LTV non-resident mortgage
• Used a short-term bridge to secure the unit before bidding closed
• Refinanced into long-term financing once documents were completed

This process mirrors what thousands of non-resident buyers achieve annually across GMG’s global platform.

For more insights into investor behaviour, GMG breaks down the habits of elite buyers.

Summary

Global property financing has transformed. Investors no longer need residency, local incomes, or domestic credit to secure real estate abroad. With global real estate loans, underwriting now centers on international income, foreign assets, and cross-border liquidity,  not local financial footprints.

The most successful investors pair fast bridging capital with long-term mortgages, giving them speed, flexibility, and access to better global investment opportunities. GMG coordinates all of these elements across 21 countries.

Build Your Global Financing Strategy with GMG

Securing international property as a non-resident requires a financing partner that understands cross-border lending, global income profiles, and the realities of fast-moving real estate markets. GMG delivers a seamless, end-to-end approach for global investors, structuring non-resident mortgages, arranging fast bridging loans, and aligning each financing plan with long-term portfolio goals. Whether you’re purchasing in the U.S., Europe, the UAE, or Asia-Pacific, our advisory team ensures clarity, predictable underwriting, and access to lenders who specialise in overseas buyers.

As one of the Global Experts in International Mortgages & Bridging Loans, GMG supports investors from initial assessment through approval and refinancing. To build your personalised global financing strategy, contact us at [email protected], reach our team through the GMG Contact Page, or explore our full suite of international mortgage solutions at GMG.ASIA.

Frequently Asked Questions

Q1. Can I get global real estate loans without local credit?

A: Yes. Non-resident mortgages evaluate global income, overseas assets, and foreign credit files. Local credit is optional, not mandatory. Many GMG clients have zero credit footprint in the countries where they purchase.

Q2. Do I need residency or a local job to qualify?

A: No. Residency is not required for approval. International financiers now underwrite based on global financial strength, not local tax or employment records.

Q3. Are bridging loans useful if I need to buy quickly?

A: Absolutely. Bridging loans provide immediate liquidity to secure units before competition increases. Long-term financing follows naturally once paperwork is complete.

What You Will Learn

• How international property financing works for non-residents using global income and assets
• Why some countries are easier to finance property in than others
• How bridging loans + mortgages create fast, competitive pathways for global buyers
• The real reason wealthy investors never buy without a financing plan
• How GMG structures predictable cross-border mortgage solutions across 21 markets

The Global Shift Toward International Property Ownership

Demand for international real estate is rising as investors pursue diversification, rental yield, and currency hedging. But the biggest misconception persists: many believe you must be a resident or citizen to access property financing abroad.

In reality, modern international property financing is structured around global income, overseas assets, and cross-border financial profiles, not local tax returns or domestic credit. GMG sees this daily across 21 mortgage-friendly markets where lenders welcome non-resident buyers through predictable underwriting frameworks.

Global investor data from Savills and OECD cross-border housing insights confirm that non-resident purchases now represent a significant share of prime market activity, especially in the U.S., U.K., Australia, Singapore, Spain, Portugal, and the UAE.

Why Non-Resident Financing Is More Accessible Than Ever

International lenders no longer rely solely on local payroll or domestic credit systems. Instead, they evaluate a borrower’s global financial footprint, income, business revenue, international tax filings, and overseas liquidity.

GMG’s detailed market breakdown in GMG’s Top Mortgage-Friendly Countries for Non-Resident Buyers shows why certain destinations are particularly open to cross-border borrowers. Markets like the U.S., U.K., Canada, Australia, Portugal, and the UAE offer structured non-resident underwriting, transparent ownership laws, and stable financing systems.

Whether buying in Dubai, the U.S., or Europe, the principle remains the same:
You do not need residency — you need a financing strategy.

How International Property Financing Works for Non-Residents

Non-resident mortgage programs typically evaluate:

• Global income streams
• International employment contracts
• Bank statements from any country
• Verified global assets
• Clean overseas credit (if available)

This underwriting mirrors what GMG applies across all markets, including Dubai, and the U.S., where cross-border financing remains deeply liquid.

The structure allows investors to buy property abroad without residency, local income, or domestic tax returns, a major shift from traditional banking rules.

The Secret Strategy: Bridging Loans + Long-Term Mortgages

This is the part most non-resident investors overlook.

In fast-moving markets, the most successful global investors use a two-step approach:

1. Short-Term Bridging Loan (Fast Capital)

Used to:

• Secure a property immediately
• Meet developer deadlines
• Win bidding wars
• Tap equity from an overseas asset

GMG outlines this approach in Global Bridging Loans: Fast, Flexible Financing and explains why private credit often beats banks in timing: Private Bridging Loans vs. Bank Loans.

2. Transition to a Long-Term International Mortgage

After securing the property, GMG moves investors into a stable long-term mortgage in that country.

This approach is now standard among sophisticated investors because it:

• Creates competitive buying advantages
• Allows cross-border liquidity movement
• Eliminates the need to rush documentation
• Aligns global portfolios with long-term cash-flow planning

For a deeper example of this strategy in action, see How Global Bridging Loans Connect Investors to Property Opportunities in 8 Markets.

Why Some Countries Are Easier Than Others

Countries with the most accessible international property financing share these traits:

• Clear foreign-ownership laws
• Transparent lending frameworks
• Strong rental markets supporting income-based underwriting
• International lenders familiar with overseas borrowers

Global Mortgage Group ranks these destinations in the Top 5 Countries With the Easiest Property Financing Options, including the U.S., Canada, Portugal, the UAE, and Australia.

These markets welcome global investors and structure lending to accommodate foreign income, not restrict it.

How the World’s Wealthiest Investors Buy Internationally

High-net-worth investors and global families rarely buy without a financing plan.

GMG’s insights from World’s Wealthiest Investors Leveraging Bridging Loans reveal the common pattern:

• Secure liquidity fast
• Lock in the asset
• Refinance strategically
• Use cross-border leverage to expand the portfolio

This model works whether the asset is in Dubai, Los Angeles, Lisbon, or Vancouver.

The GMG Advantage: Financing Without Borders

GMG provides global investors with a streamlined, end-to-end financing pathway across 21 countries, covering both short-term and long-term solutions. Our cross-border underwriting aligns international income, assets, and tax profiles to deliver a seamless non-resident financing experience.

To discuss financing options or map out your cross-border strategy, email [email protected] or connect with our team through the GMG Contact Page.

Summary

International property financing has become far more accessible for non-residents, thanks to global underwriting models that evaluate international income, overseas assets, and foreign credit reports rather than requiring local residency or domestic tax filings. Investors today can finance property in major markets like the U.S., U.K., Australia, Portugal, Canada, and the UAE without living there, as long as they have a clear cross-border financing plan.

The most sophisticated global investors pair fast bridging loans with long-term international mortgages to secure properties quickly and refinance strategically. GMG streamlines this entire process across 21 mortgage-friendly countries, offering predictable, competitive solutions for foreign buyers who want speed, structure, and access to global capital markets. For personalised guidance, investors can reach the Global Mortgage Group team.

Frequently Asked Questions

Q1. Can I finance property abroad without being a resident?

A: Yes. Most non-resident mortgage programs evaluate global income, overseas assets, and foreign credit reports. Residency is not required for approval.

Q2. Can bridging loans help me buy faster?

A: Absolutely. Bridging loans give investors immediate liquidity to secure properties quickly, especially in competitive markets, before transitioning into a long-term mortgage.

Q3. What countries are easiest for non-residents?

A: The U.S., UAE, Portugal, Canada, and Australia remain top destinations due to transparent foreign-buying rules and mature non-resident lending frameworks.

What You Will Learn

• Why securing your international mortgage first is essential before searching for property abroad.
• The common financing mistakes non-resident investors make, and how to avoid them.
• How GMG structures mortgage strategies for buyers across 21 global markets.
• When to use bridging loans to secure fast-moving opportunities before obtaining long-term financing.
• How top global investors plan liquidity and leverage before selecting a property.
• What financing advantages does early planning create in competitive international markets?

International Mortgages: The One Step Most Investors Miss

Global real estate has never been more attractive. From the United States and the United Kingdom to Australia, Japan, Singapore, and emerging markets across the Caribbean, investors are diversifying internationally to protect wealth, access stable currencies, and tap into long-term rental demand.

But there is one mistake nearly every foreign buyer makes, and it can cost them deals, money, and opportunities:

starting the property search before securing a mortgage plan.

Most investors underestimate how different overseas financing is from buying property at home. Banks often require local income, residency, domestic tax filings, and credit history, requirements that many international investors simply do not meet. Yet buyers continue to shop for properties first, only to discover later that they cannot qualify for financing or cannot access liquidity fast enough to secure a deal.

This is exactly why GMG’s international mortgage planning has become crucial for non-resident buyers across 21 countries.

Why You Need a Mortgage Strategy Before You Buy

International markets move quickly. Pre-sales fill up in weeks, resale properties receive multiple offers, and competitive buyers often come prepared with financing or proof of funds.

Entering that environment without a mortgage plan leads to three common issues:

1. Missed opportunities.
   Buyers find a property they love, but lose it because the bank refuses their application or needs months to approve foreign documentation.
2. Overpaying or accepting unfavorable terms.
   Rushed buyers sometimes accept cash-out solutions, expensive private lending, or last-minute structuring errors simply because they weren’t prepared.
3. Unnecessary liquidity stress.
   Some investors end up paying in cash when they could have leveraged, reducing long-term yields and portfolio efficiency.

GMG helps prevent these issues by structuring international mortgages and financing pathways early, before investors enter the market.

A complete overview of where foreign buyers can secure financing is available in
International Residential Mortgages: 21 Countries We Can Finance.

International Markets Are More Competitive Than Ever

Global buyers are returning to overseas markets aggressively. A recent GMG insight shows encouraging trends in U.S. activity: U.S. Market Sees Early Signs of a Thaw in 2025.

Other markets like Singapore, Dubai, London, and Tokyo continue to attract investors because of strong rental demand and robust economic fundamentals.

In fast-moving environments like these, financing delays can prevent buyers from securing units in premium locations or high-growth cities identified in GMG’s market review:
24 Recap / 25 Outlook: 10 U.S. Cities to Invest In.

Without a mortgage plan, investors are simply not competitive.

A Common Solution for Fast-Moving Markets: Bridging + Mortgage Pairing

Many foreign buyers don’t realize that the fastest way to secure an international property is to pair long-term planning with short-term liquidity.

GMG often structures this in two stages:

1. Immediate liquidity through a bridging loan

Foreign buyers use short-term financing to secure a time-sensitive asset.
Learn more:

• Global Bridging Loans in 8 Countries
• Singapore Bridging Loans: Fast, Flexible Property Financing

For cross-border investors, bridging also unlocks equity from properties located in different countries. GMG explains this mechanism here: How Global Bridging Loans Connect Investors to Property Opportunities

2. Transitioning into long-term international mortgages

Once the property is secured, GMG arranges stable, structured long-term financing through its global mortgage network across 21 countries.

This combination helps investors stay competitive even in crowded international markets.

The World’s Top Investors Never Buy Without a Financing Strategy

Sophisticated investors, family offices, high-net-worth individuals, and global portfolio managers understand this rule:

Financing comes before property selection.

GMG breaks down how the wealthiest investors operate here:

• World’s Wealthiest Investors Leveraging Bridging Loans
• Copy the Best Real Estate Investor in the World
  

The most successful buyers prepare:

• Their liquidity structure
• Their mortgage eligibility
• Their cross-border assets
• Their tax position
• Their preferred LTVs

before finding the property.

This ensures they enter the market with confidence, not uncertainty.

GMG’s Mortgage Strategy: What Happens When You Plan Early

When investors work with GMG before choosing a property, they gain:

✔ Clear approval pathways
Investors know exactly which countries they qualify for and what their financing limits are.

✔ Cross-border leverage
GMG analyzes assets in other countries and helps extract equity for new purchases.

✔ Access to better-priced opportunities
With financing in place, investors can compete for higher-quality assets or negotiate more confidently.

✔ Lower overall financing costs
Planning allows better structures, stronger lender options, and fewer last-minute solutions.

This is why international mortgage planning has become GMG’s most requested service for 2025.

Learn more about GMG’s cross-border model here.

The GMG Advantage: Don’t Enter the Market Without a Plan

Buying international property without a mortgage strategy is one of the costliest mistakes global investors make. GMG’s early-planning model ensures that clients enter foreign markets with clarity, confidence, and competitive financing.

If you’re planning to invest overseas and want clarity on your financing options, our team can help you structure the right approach before you enter the market. Reach out to us at [email protected], connect directly through our Contact Us page, or explore more about our cross-border lending solutions at GMG.

Frequently Asked Questions

Q1. Can I secure financing after I find the property?

A: Technically, yes, but it is the biggest mistake foreign buyers make. Most deals are lost because buyers wait too long to arrange financing.

Q2. Do I need local income or residency?

A: No. GMG structures financing using global income, international assets, offshore companies, and cross-border portfolios.

Q3. What if the seller wants fast proof of funds?

A: This is where bridging loans become critical. GMG can arrange solutions quickly, keeping you competitive in fast-moving markets.

Q4. Should I buy with cash if I have it?

A: Not necessarily. Many investors reduce long-term returns by overpaying in cash when they could have leveraged efficiently.

Q5. How do I know which countries I qualify for?

A: GMG provides a full assessment and maps out financing options across 21 countries before you begin the search.​​

What You Will Learn

✔️Which global markets are the most mortgage-friendly for non-resident buyers in 2025.
✔️How GMG provides access to international mortgages across 21 countries.
✔️Why do some countries offer more predictable, flexible options for foreign nationals.
✔️How global trends from CBRE and Savills are shaping cross-border property financing.
✔️What non-resident investors should know about requirements, LTVs, and underwriting.
✔️How GMG supports both short-term liquidity and long-term mortgage strategies.

Global Property Financing for Non-Resident Buyers in 2025

International investors are expanding their real estate portfolios faster than ever, driven by diversification needs, long-term wealth preservation, and access to stable global markets. Yet one challenge consistently stands in the way: securing international mortgages as a non-resident.

Local banks in many countries still require domestic income, local credit scores, and residency criteria that most foreign buyers cannot meet. That’s why Global Mortgage Group (GMG) has become the preferred partner for global investors, offering tailored mortgage solutions across 21 mortgage-friendly countries through its extensive international lending platform.

If you’re purchasing property abroad in 2025, these are the markets where securing financing as a non-resident is most realistic, accessible, and efficient.

What Makes a Country “Mortgage-Friendly” for Foreign Buyers?

Before exploring the top markets, it’s important to understand the characteristics that define a “mortgage-friendly” destination. GMG considers countries mortgage-friendly when they offer:

• Clear regulations for non-resident borrowing
• Flexible loan-to-value limits
• Approvals without local income or credit
• Predictable underwriting
• Stable legal frameworks for foreign property ownership
• Robust demand for investment and rental units

In 2025, due to changing global financial conditions, the list of markets open to international mortgages is broader than ever, especially through offshore specialist lenders, private banks, and international mortgage platforms like GMG.

Top Countries for International Mortgages in 2025

These countries stand out for their accessibility, clear lending pathways, and GMG’s strong financing presence. Mortgage-friendly doesn’t mean “easy,” but it means investors have proven, reliable routes to obtain international mortgages without residency.

International Mortgage Markets – GMG’s 2025 Overview

Rank	Country	Why It’s Mortgage-Friendly for Non-Residents
1	United States	A robust mortgage ecosystem for foreign nationals, with large market depth and long-term fixed rates.
2	United Kingdom	Transparent regulation, strong rental demand, and lender familiarity with overseas borrowers.
3	Australia	Rising international demand, predictable underwriting, and premium mortgage programs.
4	Singapore	Highly stable market with well-structured non-resident lending channels.
5	Japan	Growing foreign investment, a stable economy, and an increasingly open market to overseas mortgage applicants.
6	Canada	Clear frameworks for foreign buyers and strong long-term property fundamentals.
7	Spain	Attractive pricing, residency programs, and active expatriate communities.
8	Portugal	EU access, a strong tourism economy, and straightforward mortgage options.
9	UAE (Dubai & Abu Dhabi)	Fast, business-friendly approvals; tax-efficient investment options.
10	Thailand	Condo-friendly regulations and rising cross-border investor interest.

A complete breakdown of all 21 eligible markets can be found here:
International Residential Mortgages – 21 Countries We Can Finance

Why These Markets Are Leading in 2025

1. Investor demand is shifting across borders

According to CBRE’s Global Investor Intentions Report, cross-border real estate investing has surged as investors seek stable, income-producing markets outside their home countries.

2. Attractive interest rate environments

Many international markets offer competitive borrowing costs, allowing foreign buyers to leverage assets more efficiently.

3. Government openness to foreign ownership

Countries like Portugal, the UAE, Spain, and the U.S. continue to refine regulations that encourage foreign investment and long-term property ownership.

4. GMG’s lending network simplifies access

Through partnerships with lenders and private credit funds, GMG enables non-resident investors to bypass traditional banking hurdles. Learn more about how global capital is moving across markets in: How Global Bridging Loans Connect Investors to Property Opportunities

How GMG Secures International Mortgages for Foreign Buyers

Financing property abroad requires more than bank documentation. GMG underwrites clients using:

• Global income streams
• Offshore company structures
• Cross-border assets
• International tax profiles

This flexibility is why global investors use GMG to access markets traditionally seen as difficult. For example:

• Singapore buyers often combine mortgages with short-term lending solutions.
• Investors entering rapidly appreciating markets like the U.S. explore equity strategies discussed in: Why the Trade War Is Making U.S. Real Estate the Hottest Investment of 2025.

GMG’s platform is designed precisely for international borrowers, from approvals to cross-border funding logistics.

How Global Wealth Is Reshaping Mortgage Trends

High-net-worth individuals and global families increasingly see real estate as a long-term wealth anchor. GMG discusses this evolving wealth landscape in:

• GMG Advisory – A New Platform for Sophisticated Investors
• Access Your International Home Equity for Cash

These insights highlight why international mortgages have become central to global diversification strategies, especially when paired with flexible short-term funding from GMG’s global bridging loan programs.

The GMG Advantage: Financing Without Borders

GMG’s mission is to make global property ownership accessible, efficient, and financially strategic for non-resident buyers. Whether you’re investing in the U.S., U.K., Australia, Singapore, Japan, or emerging Caribbean markets, GMG provides end-to-end international mortgage support backed by decades of expertise.

Learn more about our cross-border approach: About Us

For personalized guidance, speak with our mortgage specialist at [email protected]
Or reach out to us directly at our contact us page.

Frequently Asked Questions

Q1. Which countries are truly the easiest for non-residents to obtain mortgages?

A: The U.S., U.K., Australia, Singapore, and Portugal consistently rank as the most structured, transparent, and predictable for foreign buyers. GMG’s mortgage network in these markets is particularly mature.

Q2. Can I get a mortgage if I don’t have local income or tax filings?

A: Yes. GMG specializes in underwriting international borrowers using offshore income, global assets, corporate revenue, or international tax profiles.

Q3. Are interest rates higher for non-resident mortgages?

A: Rates vary by country, but in most markets, non-resident rates remain competitive,  especially in globally liquid markets such as the U.S., U.K., and Australia.

Q4. Can GMG support both short-term and long-term financing?

A: Absolutely. Many investors secure short-term liquidity while finalizing long-term mortgages. This dual-approach strategy is supported through GMG’s bridging loan solutions.

What You Will Learn

• How non-resident investors buy property in Greece using local and international mortgage options.
• Why Greece is emerging as a strategic property investment in Greece for EU and non-EU buyers.
• How lenders underwrite foreigners using global income, assets and bank statements, not just local credit.
• When to pair bridging finance with long-term mortgages to secure time-sensitive Greek assets.
• How GMG integrates Greece into a 21-country international mortgage and wealth strategy.

Why Greece Is Back on the Radar for Global Investors

For many investors, buying property in Greece used to be about lifestyle: islands, coastline, and relatively low entry prices. Today, Greece is also a strategic play in a global portfolio. Real estate remains attractively priced compared to other eurozone capitals, rental demand is strong in Athens and key islands, and the country still offers residency pathways via real estate under its evolving Golden Visa framework.

At the same time, Greece benefits from the broader eurozone backdrop: lower-for-longer rates compared with historic norms, and renewed interest in hard assets as investors respond to monetary easing and currency debasement themes that GMG tracks closely in pieces such as Trump, the USD, Stargate, and the New Deal 2.0.

For global investors, that combination, euro exposure, real assets, and a structured legal framework, makes property in Greece an increasingly important part of a diversified international portfolio.

Can Foreigners Buy Property in Greece?

The short answer: yes. Both EU and non-EU citizens can buy property in Greece, including residential and commercial units. Some restrictions apply in designated border or military areas, where non-EU buyers may need additional permits from the Ministry of Defence, but for most urban and resort destinations, the process is straightforward.

This means:

• Foreign nationals can hold freehold title to real estate in their personal name or via certain structures.
• Buying property in Greece can also tie into residency strategies via the Greece Golden Visa, subject to new thresholds and size requirements depending on region and asset type.
• There is no requirement to be a Greek citizen to purchase real estate or apply for a mortgage.

For investors asking “can foreigners buy property in Greece?”, the answer is clearly yes, but access to non-resident mortgages depends heavily on how you present income, assets, and your long-term plan.

For a full list of markets where GMG already supports non-resident buyers, see:
21 Countries We Can Finance

How to Buy Property in Greece with a Non-Resident Mortgage

You do not need to be a Greek resident to apply for a mortgage, but Greek banks typically apply stricter rules for borrowers living abroad.

Most sources indicate that:

• Non-resident buyers can often borrow up to ~60–65% loan-to-value (LTV), implying a 35–40% cash contribution plus taxes and fees.
• EU nationals may see slightly more flexible terms than non-EU buyers, but both can access financing with the right structure.

What Lenders Look at for Non-Residents

Instead of focusing on Greek tax returns or local salary, lenders evaluate your global financial profile. Expect to provide:

• Proof of international income (employment or company revenues)
• 3–6 months of bank statements from your main banking relationships
• Evidence of existing assets and liabilities, plus any overseas credit reports where available.

This is very similar to how GMG underwrites cross-border borrowers in other European markets via its Europe Mortgages platform:
GMG Europe Mortgages – Regional Overview

The practical takeaway: buying property in Greece with a mortgage is realistic for non-residents, but the process is documentation-heavy and benefits from a specialist coordinating lender selection, structure, and timing.

Where Greece Fits in a Global Property Investment Strategy

For many clients, property investment in Greece is not a first market; it often comes after exposure to the U.S., U.K., or Australia. Greece plays a different role:

• Lifestyle + Yield: Athens and select islands can offer a balance of personal use and rental income.
• Euro Diversification: Holding property in Greece provides euro exposure alongside U.S. dollar assets.
• Residency Optionality: For investors who meet Golden Visa requirements, Greece can offer long-term EU residency attached to their real estate holdings.

GMG’s broader international mortgage platform, across the U.S., Europe, Asia-Pacific, and the Caribbean, helps investors decide how Greece should sit alongside U.S. single-family rentals, U.K. buy-to-lets, or Australian education-driven purchases:

• World’s First U.S. Mortgage Solution for Wealth Management Distribution

Taxes and Ongoing Costs When You Buy Property in Greece

When you buy property in Greece as a foreigner, you are subject to the same core taxes as local owners.

Key items include:

• Transfer Tax: Typically 3% of the taxable property value on resale properties. Global Citizen Solutions
• Annual Property Tax (ENFIA): A uniform property tax levied annually on all real estate in Greece, with base rates generally ranging from about €2 to €16 per square meter, depending on location, size, and other characteristics.
• E9 Filing: Foreign owners must file an E9 real estate statement after acquiring property, just like Greek residents. AADE

GMG does not provide tax advice, but our cross-border approach always assumes that financing decisions, tax planning, and long-term holding costs need to be aligned, especially when investors hold multiple assets across jurisdictions.

To understand how tapping existing overseas equity can be part of that picture, click here.

Using Bridging Loans Alongside Mortgages in Greece

In competitive sub-markets, prime Athens neighborhoods, island hotspots, or Golden Visa-eligible assets, timing is critical. Offers may need to be executed before a traditional mortgage is fully in place. This is where GMG’s bridging loan capability complements Greek mortgages.

Common patterns include:

• Using a bridging loan on existing property in another country (e.g., Singapore, U.K., Australia) to create the deposit or even full cash purchase capacity in Greece.
• Securing a time-sensitive asset in Greece first, then refinancing into a local or cross-border mortgage structure once due diligence and documentation are complete.

GMG has built this “bridge + mortgage” pairing across multiple markets:

• Global Bridging Loans in 8 Countries
• How Global Bridging Loans Connect Investors to Property Opportunities in 8 Key Markets

Our broader thought leadership also shows how the world’s wealthiest families and investors use bridging loans as a strategic liquidity tool, not just a last resort:

• World’s Wealthiest Investors Leveraging Bridging Loans
• Copy the Best Real Estate Investor in the World

In practice, this means you might finance property investment in Greece using equity released from a U.S., U.K., or Australian asset rather than relying solely on local Greek bank financing.

GMG’s Role: Greece Inside a 21-Country Mortgage Platform

GMG’s value is not simply arranging a mortgage in Greece; it is structuring Greece within a global financing strategy:

• Evaluating whether to borrow locally in Greece, use equity unlocked via bridging loans elsewhere, or blend the two.
• Coordinating currency, rate structure, and leverage levels so Greek exposure supports, rather than distorts, your overall portfolio.
• Working with wealth managers, private bankers, and family offices who want a single platform to handle U.S., European, and Asia-Pacific mortgages together.

Investors exploring buying property in Greece can leverage the same cross-border approach GMG uses for the U.S., U.K., Portugal, Spain, and other European markets.

Learn more about GMG and our international lending model:

• About Us
• GMG Global Bridging & Mortgage Platform

To discuss a specific Greek transaction or broader portfolio strategy, you can reach us directly at [email protected] or through our Contact Us page.

Frequently Asked Questions

Q1. Can foreigners get a mortgage in Greece?

A: Yes. Non-residents, both EU and non-EU, can obtain mortgages from Greek banks, typically with stricter criteria and lower LTVs than local borrowers. Expect roughly 60–65% LTV for non-residents, subject to income, documentation, and property type. 

Q2. How much down payment should I plan for when I buy a property in Greece?

A: Most foreign investors should plan for at least 35–40% cash toward the purchase price, plus taxes and fees. In practice, GMG often advises clients to budget closer to 40–45% to remain competitive and allow for Golden Visa-related thresholds where relevant. 

Q3. Does buying property in Greece automatically give me residency?

A: No. Ordinary property in Greece does not automatically grant residency. Residency is linked to specific Golden Visa criteria, including higher minimum investment thresholds in many key areas and property size requirements. The standard €250,000 threshold now applies mainly to certain conversion or niche projects; prime Athens and other zones may require €400,000–€800,000 or more.

Q4. When does it make sense to use a bridging loan instead of waiting for a mortgage?

A: Bridging loans are most useful when you need speed or flexibility, for example, to secure a high-demand asset, meet a developer deadline, or unlock equity from another country before refinancing into a traditional mortgage. Many GMG clients use bridging finance first, then transition into a long-term non-resident mortgage once the property and structure are in place.

What You Will Learn

✔️ Whether expats and non-residents can qualify for a mortgage in Dubai—and how the rules differ.
✔️ How lenders assess foreign buyers, including LTV ratios, documentation, income requirements, and currencies accepted.
✔️ Why Dubai is one of the world’s most attractive and mortgage-friendly markets for global investors.
✔️ When buyers use bridging loans instead of traditional mortgages in fast-moving Dubai markets.
✔️ The key requirements expats and non-residents must prepare before applying.
✔️ How GMG’s cross-border expertise helps investors finance Dubai property quickly and confidently.

The Mortgage in Dubai Framework for Global Investors

Dubai has become one of the world’s most sought-after property markets for expats, entrepreneurs, and global investors. With no capital gains tax, strong rental yields, and a pro-investment regulatory environment, the UAE continues attracting residents and non-residents looking to buy real estate.

Naturally, one of the first questions foreign buyers ask is:
“Can expats or non-residents get a mortgage in Dubai?”

The short answer is yes, both expats living in the UAE and international investors abroad can obtain financing to purchase property. However, the process is very different from traditional Western lending, and understanding how Dubai mortgages work is key to avoiding delays, missed opportunities, and financing surprises.

This guide breaks down exactly how global investors secure access to international mortgages in Dubai, what lenders look for, and how GMG helps non-resident borrowers finance property smoothly across the Middle East.

Who Can Get a Mortgage in Dubai?

Dubai offers mortgages to three buyer groups:

1. UAE Residents (Expats)
   Expats living in Dubai with valid residency visas generally have access to the most flexible mortgage options, with higher loan-to-value (LTV) ratios.
2. Non-Resident Foreign Buyers
   Global investors who do not live in the UAE can also secure financing, although documentation and LTV requirements differ.
3. Offshore Company Buyers
   Mortgages are available for certain offshore structures (subject to lender approval).

GMG’s own Middle East lending overview provides a detailed breakdown of available products.

How Mortgages for Expats and Foreign Buyers Work in Dubai

Dubai’s mortgage system is structured, transparent, and designed to accommodate a global investor base. Here’s how lenders typically evaluate foreign buyers:

1. Loan-to-Value (LTV) Ratios

• Expats (residents): up to ~75% LTV for first properties
• Non-residents: typically 60–70% LTV
• Off-plan properties: lower LTVs and more staged payments

These levels are competitive compared to many Western markets, especially given Dubai’s strong rental yields.

2. Income Documentation & Eligibility

Unlike some countries that require local tax filings or in-country credit scores, Dubai lenders instead review:

• Global income
• Employment history
• Bank statements (international accepted)
• Overall debt ratios
• Clean credit conduct from the home country (case dependent)

This is similar to how GMG structures other non-resident lending solutions across 21 countries.

3. Currency Considerations

Most Dubai mortgages are denominated in AED, but lenders often accept income in USD, EUR, SGD, GBP, and other major currencies.

This makes Dubai uniquely accessible for global investors.

Why Foreign Investors Choose Dubai Mortgages

Dubai remains one of the world’s most compelling non-resident property markets due to:

• No annual property tax
• No capital gains tax
• Strong rental yields (often 6–9%+)
• Extremely business-friendly environment
• Investment-linked residency pathways
• Consistent demand from global tenants

These factors make the UAE one of the top 10 mortgage-friendly destinations for non-resident buyers.

GMG also notes in its macro research that global investors are shifting toward stable, high-growth markets like the UAE as part of broader wealth trends.

When Dubai Buyers Use Bridging Loans Instead of Mortgages

International buyers purchasing in competitive areas such as Downtown, Palm Jumeirah, or Dubai Marina sometimes need faster access to liquidity than a traditional mortgage timeline allows.

This is where bridging loans become a useful tool.

GMG structures short-term financing across multiple global markets, including Dubai, through:

• Global Bridging Loans in 8 Countries
• How Global Bridging Loans Connect Investors to Property Opportunities

Bridging loans help buyers:

• Secure units immediately
• Take advantage of price dips
• Bridge between property sale and purchase
• Use overseas equity to buy in Dubai

Dubai’s high-velocity market means speed is often essential, and bridging + mortgage pairing is increasingly common.

Key Requirements for Expats and Foreign Buyers

While exact lender requirements vary, here’s what non-resident buyers should generally expect:

• Valid passport
• Global income proof (salary or company revenue)
• 3–6 months of international bank statements
• Credit report from the country of residence (if available)
• Minimum down payment of 30–40% for non-residents
• Stable financial profile with manageable global liabilities

GMG helps structure this early so buyers don’t lose opportunities due to documentation delays.

Expert Insights From GMG’s Global Lending Network

GMG’s global mortgage platform gives non-resident buyers a strategic advantage thanks to:

• Cross-border underwriting expertise
• High approval rates for foreign nationals
• Strong lender relationships across the Middle East
• Access to both short-term and long-term financing solutions
• Insights from global wealth trends

For example, GMG’s thought leadership on international investor behaviour includes:
World’s Wealthiest Investors Leveraging Bridging Loans
Copy the Best Real Estate Investor in the World

These patterns mirror Dubai’s rising non-resident demand.

The GMG Advantage: Financing Dubai With Confidence

Dubai is one of the world’s most accessible and strategic markets for non-resident investors,  but securing the right financing requires planning, documentation, and an understanding of regional lending nuances.

GMG’s cross-border expertise helps global buyers finance Dubai property with confidence, clarity, and speed, whether through an international mortgage or a bridging solution.

To explore your mortgage options in Dubai or across 21 global markets, reach out to our team at [email protected] or contact us now to learn more about GMG.

Frequently Asked Questions

Q1. Can non-residents get a mortgage in Dubai?

A: Yes, foreign nationals can obtain mortgages even without living in the UAE. Documentation and LTVs differ from expat residents, but approvals are common through the right lenders.

Q2. What is the minimum down payment for foreigners?

A: Non-residents should expect 30–40% down, depending on the bank and the property type.

Q3. Can foreign buyers use bridging loans to purchase in Dubai?

A: Absolutely. Bridging is widely used by global investors needing fast access to capital before switching into a long-term mortgage.

Q4. Are mortgage rates higher for non-residents?

A: Usually slightly higher than resident rates, but still competitive globally due to Dubai’s strong market liquidity.

Q5. Can I use overseas income to qualify?

A: Yes, Dubai lenders frequently accept income from abroad, similar to GMG’s cross-border approach.