Conventional mortgage
Often the strongest route for stable, documentable income, straightforward ownership and a standard residential property.
Repayment-led · Rules-based underwriting · No investment relationship in many casesRegistered mortgage brokerORIAS N° 25008593
Prime property mortgages for international buyers.
We structure mortgages from €1M for international buyers acquiring prime property in France, Spain and Italy, then manage the bank and local advisers through closing.
Discuss your projectSelected banking institutions
ParisÎle-de-France
MallorcaSpain · Balearic Islands
Lake ComoItaly · Lombardy
The mandate
A mortgage strategy built around your complete financial position.
International income, foreign companies and assets held across jurisdictions rarely fit a retail mortgage process. We structure the file before it reaches a bank, so the credit request is coherent from the outset.
- File analysis and borrowing-capacity assessment
- Credit structuring and bank selection
- Negotiation of indicative rate and terms
- Coordination with advisers and the notary
- Electronic signing and funds release
130+Cross-border files closed
94%Approval rate
€141MFinancing arranged
15+Banking institutions accessed
Bank selection
One property. More than one financing route.
The lowest indicative rate is not automatically the best result. The lender must be able to approve the borrower, accept the property and deliver the structure inside the purchase timetable.
Private-bank structure
Relevant when income or ownership is complex, liquidity is substantial, or the requested repayment profile requires more flexibility.
Tailored underwriting · Interest-only or hybrid potential · Assets may be requiredBlended solution
A property mortgage can sometimes sit alongside portfolio collateral or separately funded works to preserve liquidity through the transaction.
Multiple securities · Liquidity planning · Total relationship assessedThe process
From eligibility to closing.
Before a bank sees your file, we establish what is financeable, which structure is credible and where the request should be placed.
One senior point of contact coordinates every counterparty. The full process can be completed remotely.
Discuss your projectEligibility analysis
24 to 48h
We review your income, assets, target property and jurisdiction. You receive a clear answer on borrowing capacity, likely structure and indicative pricing.
Structuring and bank placement
3 to 6 weeks
We build the credit file and place it with the banks equipped to finance international buyers at this ticket. We negotiate the proposed rate and terms.
Closing and funds release
3 to 5 weeks
We coordinate the bank, your advisers and the notary until the offer is signed and funds are released. The process can be completed remotely.
Common client profiles
Portfolio holdersPrivate banking clientsEntrepreneursFamily offices
Eligibility
What makes a file financeable.
Private banks assess the whole relationship between the borrower, the property and the proposed structure.
Income and cash flow
Salary, distributions, carried interest, dividends and variable compensation are considered together—not reduced to a standard payslip.
Liquidity and assets
Cash, investment portfolios, company interests and assets held abroad help determine leverage and the most suitable banking route.
The property
Location, value, use and marketability shape the bank’s appetite, valuation approach and maximum loan-to-value.
Jurisdiction and ownership
Residence, tax position and the proposed ownership structure determine which banks can consider the transaction.
Recent financing · Paris 7Typical files
Built for international wealth.
You do not need to fit a standard salaried-borrower profile. The file is built around the way your income and assets actually work.
Portfolio holdersInvestment assets and savings held abroad.
Private banking clientsComplex wealth across more than one market.
EntrepreneursVariable income, equity and operating companies.
Family officesCross-border ownership and adviser-led transactions.
Key questions
Before you begin.
What is the minimum file size?
We work on financing files from €1M across our established markets in France, Spain and Italy.
How much downpayment is required?
Typically 10% to 30%, depending on the borrower, jurisdiction, property and bank. We provide an initial view before placement.
Can the process be completed remotely?
Yes. Reviews, bank discussions and offer signing can be handled remotely, with direct coordination between the bank and your notary.
Do I need to transfer my assets?
Not in every case. Some private-bank structures involve an asset relationship; others do not. We compare the viable routes for your file.
Understand what is possible before you proceed.
Share the property, your budget and a few details about your financial profile. A senior partner will review the project directly.