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.