What You Will Learn
✔ Where non-resident investors can get mortgages across 21 countries.
✔ How GMG approves foreign buyers without local income or credit.
✔ How international mortgage programs work for global investors.
✔ When to use short-term funding before securing a long-term mortgage.
✔ Key global property trends from CBRE and Savills.
✔ Essential FAQs for financing property as a non-resident.
How Non-Resident Mortgages Unlock Global Property Investment
For global investors, real estate remains one of the most reliable ways to build long-term wealth. Markets such as the United States, United Kingdom, Australia, Singapore, and Japan continue to attract foreign buyers seeking stability, rental income, and strategic diversification.
Yet one challenge constantly stands in the way:
Securing financing as a non-resident.
Most banks require local income, domestic tax filings, in-country credit history, and physical residency. For international investors, this creates an enormous barrier, one that prevents access to some of the world’s most attractive property markets.
This is where non-resident mortgages have become indispensable. And it’s where Global Mortgage Group (GMG) has become the global leader, helping investors finance real estate across 21 countries without needing local credit or residency.
Where Global Investors Can Get Non-Resident Mortgages
GMG offers one of the world’s largest international mortgage platforms, providing foreign buyers access to 21 different countries. These programs are designed for investors, expatriates, and high-net-worth clients who want to buy overseas property without navigating restrictive local banking rules.
International Mortgages – 21 Countries GMG Can Finance
| North America | LATAM & Caribbean | UK & Europe | MENA | Asia-Pacific |
| US | Panama | UK | UAE (Dubai & Abu Dhabi) | Japan |
| Canada | Mexico | France | Israel | Australia |
| Dominican Republic | Germany | Singapore | ||
| Costa Rica | Spain | Thailand | ||
| Belize | Portugal | |||
| Jamaica | Italy | |||
| Greece |
A full breakdown of product types, loan structures, and residency rules is available in International Residential Mortgages: 21 Countries We Can Finance.
For investors focused on credit diversification, GMG’s lending model also connects seamlessly with its short-term solutions, such as those explained in Short-Term Lending in Singapore: The Smart Investor’s Financing Edge.
Why Non-Resident Mortgages Are in High Demand
The global mortgage landscape has tightened significantly. Traditional banks have become more conservative, stricter with proofs of income, and less willing to underwrite cross-border borrowers.
At the same time, international demand has surged.
Reports from Savills Global Market Outlook show that investors are increasingly expanding into overseas markets for yield, currency stability, and long-term appreciation.
And according to CBRE’s Global Investor Intentions Report, cross-border investment flows are rebounding faster than domestic ones, driven by investors looking for safe-haven markets, rental opportunities, and alternative asset protection.
But to access these markets, investors need financing that banks simply do not offer.
This is exactly where non-resident mortgages become essential, enabling foreign investors to access property markets without meeting restrictive local borrowing criteria.
How GMG’s Non-Resident Mortgages Work
GMG’s programs are designed specifically for foreign nationals and offshore borrowers. Instead of requiring domestic income or credit, GMG underwrites using global earnings, international assets, company structures, and offshore financial profiles.
The process is straightforward, structured, and engineered for foreign buyers. Investors often begin with short-term liquidity solutions such as Singapore bridging loans or global bridging loans before transitioning into permanent financing. GMG explains this approach in detail in Global Bridging Loans in 8 Countries.
When market timing is sensitive, for example, competitive offers in the UK or pre-construction deadlines in Australia, GMG’s ability to pair non-resident mortgages with fast capital becomes a major strategic advantage.
How Global Wealth Uses Cross-Border Financing
High-net-worth families, private investors, and global entrepreneurs increasingly rely on cross-border financing as part of their long-term wealth strategy. Real estate remains a core asset class, especially in periods of currency volatility, shifting interest rates, or geopolitical uncertainty.
GMG has written extensively on global wealth trends, including:
- The Coming Monetary Reset: Investors Turning to U.S. Real Estate, Gold, and Bitcoin
- World’s Wealthiest Investors Leveraging Bridging Loans
These articles reveal the same conclusion:
Cross-border property financing is no longer optional, it’s a global investment necessity.
The GMG Advantage: Financing Without Borders
Whether you are investing in the U.S., U.K., Australia, Singapore, Japan, or emerging LATAM and Caribbean markets, GMG provides a seamless mortgage experience built specifically for non-resident borrowers.
Our international lending network, cross-border underwriting standards, and deep understanding of foreign national borrowers allow investors to expand globally with confidence.
To explore your non-resident mortgage options:
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Frequently Asked Questions
Q1. Do I need local income or credit to get a mortgage abroad?
A: No. GMG structures financing using global income, existing assets, corporate earnings, and offshore banking statements. This is precisely why non-resident mortgages are so powerful, they bypass the traditional bank roadblocks.
Q2. Can I buy investment property as a non-resident?
A: Absolutely. Many GMG clients finance investment units, rental properties, or secondary homes. Even markets like the U.S. and Australia, typically restrictive, offer well-structured non-resident programs.
Q3. Can I combine short-term and long-term financing?
A: Yes. Many investors use a short-term solution first (in competitive markets that require fast liquidity), then refinance into a long-term non-resident mortgage. GMG is one of the few lenders globally that can support both sides of the transaction.
Q4. Do I need to travel to close the loan?
A: In many countries, no. Remote signings, digital identity verification, and international closing agents make it possible to complete the entire process from abroad.
