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.
