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.

Why Speed Has Become the Most Important Factor in Global Real Estate Financing

Today’s global property markets move quickly. In cities like Singapore, London, Sydney, New York, and Hong Kong, the investor who secures funding first usually secures the deal.

But traditional banks often move in the opposite direction:

• Slower approvals
• Stricter documentation
• Limited cross-border lending
• Conservative credit appetite

This gap between investor timing and bank timelines is why global bridging loans, especially privately funded ones, have grown into one of the most important tools for international investors.

Reports from CBRE’s Global Investor Intentions and Savills Research highlight the same trend: private credit and alternative lending are now central to global real estate strategy.

Global Mortgage Group sits at the center of this shift.

How Private Bridging Loans Work — And Why Global Investors Prefer Them

Private bridging loans are short-term, real estate–backed loans designed to provide immediate liquidity for acquisitions, refinancing, equity release, or bridging loans for property development.

Private lenders (including GMG’s global network) focus on:

• Property value
• Borrower liquidity
• Exit strategy
• Speed of execution

Not tax returns.
Not domestic income.
Not local credit history.

This is why high-net-worth individuals, global investors, developers, and family offices increasingly turn to private capital, a trend detailed in World’s Wealthiest Investors Leveraging Bridging Loans Amid a Global Credit Squeeze.

Investors can estimate borrowing potential using a bridge loan calculator, but the real advantage lies in execution speed.

Why Bank Loans Fall Short for Global Investors

Banks excel at long-term mortgages, something GMG helps clients secure through international residential mortgages in 21 countries, but banks struggle in situations where investors need:

• Fast decisions
• Cross-border underwriting
• Asset-based approvals
• Financing without domestic income proof
• Short-term flexibility

Most international investors simply do not fit the bank lending profile, especially non-residents.

That gap is where GMG’s private lending ecosystem thrives.

Private Bridging Loans vs. Bank Loans: The Real Comparison

Here is a clear, factual breakdown of how the two models differ:

Factor	Private Bridging Loans (GMG)	Traditional Bank Loans
Speed	Approvals in ~72 hours; funding in 5–10 days	6–12 weeks or more
Underwriting	Asset-based, flexible	Income & credit-based
Cross-Border Access	Available to non-residents	Limited or unavailable
Use Cases	Purchases, refinance, development, equity release	Mostly long-term mortgages
Documentation	Minimal	Extensive
Negotiability	High	Strict

This flexibility is why investors choosing between a quick bridging loan and a cheaper bank rate almost always choose speed, especially when opportunities are time-sensitive.

Even Forbes Real Estate acknowledges the surge in private credit demand as global investors seek yield and liquidity.

Where Private Bridging Loans Are Most Relevant

Private bridging loans are especially valuable in markets where speed and competition drive returns. GMG’s coverage includes:

• Singapore: high demand for bridging loan singapore products for fast equity release.
• Australia: investors and developers using bridging loans australia to manage timing gaps and secure new property.
• U.K. & Ireland: private credit used heavily for acquisitions and refurbishment projects.
• U.S. & Canada: strong adoption of commercial bridge loans for opportunistic acquisitions.
• Thailand & Hong Kong: growing preference for short-term liquidity as credit conditions shift.
  

GMG’s global reach is detailed in Global Bridging Loans in 8 Countries and expanded through GMG Advisory’s private credit platform.

The Strategic Advantages of Private Bridging Loans

1. Acting immediately on opportunities
   Speed often makes the difference between winning and losing competitive deals.
2. Cross-border funding flexibility
   Private lenders can underwrite across currencies and jurisdictions, something banks rarely do.
3. Financing development & renovation
   Banks avoid early-stage or transitional projects. Private lenders embrace them.
4. Liquidity without selling assets
   Investors can unlock equity from global property without forced liquidation.
5. Transitional funding before long-term financing
   GMG frequently structures short-term loans that later refinance into permanent mortgages, including the innovative model introduced in World’s First U.S. Mortgage Solution for Wealth Management Distribution.

Frequently Asked Questions

Q1. How quickly can GMG arrange funding?

A: Approvals typically occur within 72 hours and funding within 5–10 business days.

Q2. Who qualifies for these Loans?

A: Non-residents, foreign nationals, HNWIs, developers, and corporations, even without local income.

Q3. What properties qualify?

A: Residential, commercial, mixed-use, and bridging loans for property development projects.

Q4. Can I refinance later?

A: Yes, many clients refinance into long-term lending through GMG’s international mortgage network as described in How We Plan to Add Value in 2025.

The GMG Advantage: Financing Without Borders

At Global Mortgage Group (GMG), we deliver the one thing global investors value most:
certainty of execution.

From Singapore to London, the U.S. to Australia, and Canada to Hong Kong, GMG helps investors secure capital with speed, clarity, and global reach.

To explore a tailored private credit or bridging solution,
Contact us: https://www.gmg.asia/contact-us/
Email: [email protected]

What You Will Learn

• Which five countries offer the most accessible property financing to non-resident investors
• Typical LTVs, documentation, and approval rules in each market
• Why bridging loans and cross-border mortgages matter in fast-moving markets
• How GMG structures non-resident mortgage solutions across 21 countries

Why Some Countries Make Property Financing Easier for Non-Residents

Global investors are increasingly buying abroad for diversification, rental income, education planning, and residency opportunities. But one obstacle remains: property financing for non-residents is not equal across countries.

Some markets restrict foreign ownership or require local credit histories. Others, including the five listed below, offer predictable systems designed to accommodate global buyers using overseas income and assets.

GMG’s international lending platform provides access to 21 non-resident mortgage markets and bridging loans in 8–9 countries, giving investors the ability to act quickly in the most accessible jurisdictions.

Explore the full list of markets GMG finances here: 21 Countries We Can Finance.

1. United States – The World’s Most Developed Non-Resident Property Financing Market

The U.S. remains unmatched for global investors seeking property financing without local credit or residency.

Why it’s easy for non-residents:

• 30-year fixed-rate mortgages (rare globally)
• No requirement for U.S. income
• No requirement for U.S. credit history
• Strong rental yields in markets like Texas, Florida, Georgia, and Arizona.
• Transparent property laws and a securitized lending system

GMG’s U.S. programs allow foreign nationals to qualify through rental coverage, income verification abroad, or asset-based underwriting.

Learn more at World’s First U.S. Mortgage Solution for Wealth Management Distribution

2. United Kingdom – Predictable Lending and Strong Demand for Buy-to-Let Investors

The U.K. has long welcomed overseas buyers, offering structured property financing for investment properties, new builds, and buy-to-lets.

Why it’s accessible:

• Established non-resident mortgage programs
• Competitive LTV ratios for foreign buyers
• Strong rental markets in London, Manchester, and Birmingham
• Widely accepted international income documentation

In times of global volatility, London remains a safe haven for investors pursuing long-term appreciation and stable currency exposure.

3. Australia – Non-Resident Mortgages with Clear Qualification Rules

Australia’s lending system is transparent, regulated, and friendly toward non-resident property investors, especially those purchasing for lifestyle, education, or long-term rental income.

Why it’s easy for non-residents:

• Reliable legal framework
• Strong link between Asian investors and Australian real estate
• Direct non-resident mortgage programs already established
• LTVs typically up to 70–75% depending on profile

GMG actively finances Australian mortgages for expats returning home or foreign nationals purchasing investment properties.

4. Singapore – Structured Lending + High Liquidity for Global Investors

Singapore offers one of the most stable and sophisticated property markets globally. While taxes and stamp duties are higher for foreign buyers, property financing remains accessible for well-qualified non-residents.

Why investors choose Singapore:

• Highly liquid property market
• Transparent legal system
• Strong bank and non-bank lender participation
• Attractive for wealth planning, asset protection, and long-term holding

GMG also arranges bridging loans in Singapore, often used by investors needing quick capital or deploying overseas equity.

Learn more: Global Bridging Loans in 8 Countries.

5. Greece – A Rising Market with Investor-Friendly Mortgage Options

Global interest in Greece continues to rise due to lifestyle appeal, improving economic conditions, and relatively affordable entry points. Many foreign buyers search online for terms like buy property in Greece, property in Greece, and property for sale in Greece, highlighting growing demand from investors worldwide.

Why Greece is becoming easier for foreign buyers:

• Non-resident mortgage options are increasingly available through European lenders
• Attractive LTVs on select property types
• Popular with investors seeking holiday rentals and Golden Visa pathways
• Lower price points than Western Europe
• Consistent rental demand in Athens, Crete, Santorini, and Paros

See GMG's international Europe programs:

Why Non-Residents Use Bridging Loans in These Markets

In competitive markets, especially the U.S., U.K., Singapore, and Greece, investors often need immediate liquidity before a mortgage is finalized. GMG structures bridging loans for:

• Fast purchases
• Refinancing existing assets
• Unlocking overseas equity
• Developer or renovation timelines
• Pre-sale funding gaps

Explore how bridging loans connect global investors to opportunities:

• how-global-bridging-loans-connect-investors-to-property-opportunities-in-8-key-markets/
• worlds-wealthiest-investors-leveraging-bridging-loans-global-credit-squeeze/

Documentation Requirements Across All Five Markets

While each country is unique, most non-resident mortgage systems follow similar documentation rules:

• Valid passport
• Proof of global income or company revenue
• 3–6 months of international bank statements
• Overseas credit report (where available)

GMG’s cross-border underwriting team handles this process end-to-end, ensuring a smooth approval path.

If you need to release equity from your international home to reinvest, read our guide on equity for cash.

Macro Tailwinds: Why Global Investors Are Buying Now

Global liquidity shifts, weakening currency cycles, and new economic policies (e.g., U.S. stimulus frameworks and global interest rate easing) continue to support international real estate investment.

Learn more about macro trends here.

The GMG Advantage: Access Property Financing Across 21 Countries

GMG is uniquely positioned to help global investors access:

• Non-resident mortgages across 21 countries
• Bridging loans across 8–9 global markets
• Equity release solutions using overseas property
• Cross-border underwriting expertise
• Fast approvals with transparent structure

Whether you're planning to buy in the U.S., U.K., Singapore, Australia, Greece, or other global markets, GMG provides a single platform for international property financing.

For personalised guidance, contact our team or email us directly at [email protected].

Frequently Asked Questions

Q1. How do non-residents qualify for property financing?

A: Lenders review global income, international bank statements, assets, and overseas credit reports. Local credit or residency is rarely required in non-resident mortgage programs.

Q2. Which countries are easiest for foreign buyers to get financing?

A: The U.S., U.K., Australia, Singapore, and Greece offer the most streamlined non-resident mortgage options, with clear rules, predictable underwriting, and accessible LTVs.

Q3. When should investors choose a bridging loan instead of a mortgage?

A: When speed matters, competitive markets, off-plan purchases, equity release, or fast deadlines. Bridging loans provide quick liquidity before moving into long-term financing.