Overseas Mortgages

Black Book can assist your UK Clients seeking an overseas mortgage, and with Foreign Nationals seeking to buy UK property.

We provide a specialist advisory service for Clients seeking to buy in any of the 3 most popular purchase countries; Spain, France or Portugal.  This could be for a permanent or a holiday home, to either live-in or to rent out. In some circumstances, remortgages for capital raising (home improvements) can also be arranged.

Black Book has both English & Spanish-speaking, in-house specialist Mortgage Advisors to help guide your Client through the process of finding and securing the most appropriate overseas mortgage for their needs.

Black Book makes the process of finding and securing an overseas mortgage simple, as we work directly with the International Banks in the countries of purchase.

Whether your clients have found a property, or if they are still in the process of searching, contact our team to find the mortgage options available for your client. As an overview:



  • LTV up to 70%
  • Up to 25 year term (to maximum age 75)
  • Minimum loan 100,000 euros
  • Banks available with English websites and English-speaking staff
  • Variable or Fixed rates


  • LTV up to 85%
  • Up to 25 year term (to maximum age 80)
  • Minimum loan 75,000 euros
  • Free valuations
  • Variable, fixed or capped rates, and Interest Only
  • Compulsory Life Assurance (arranged by you)


  • LTV up to 80%
  • Up to 30 year term (to maximum age 75)
  • Minimum loan 50,000 euros
  • Variable & Fixed rates (5, 10, 15 or 20 year fixes)

Whichever of the above countries your client is considering, through Black Book they will obtain a cost-free Decision in Principle, from lender/s offering only market-leading pay rates.

Every client will have unique requirements, so for a rapid assessment, turnaround and for indicative terms either:

Either call us on 0800 651 6511 or Enquire Online

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Intermediary Testimonials

First impressions...outstanding! My call was answered promptly, and then handled very professionally. I got back options for an SME client that I didn't even know were possible, in just 20 minutes! The client was clearly impressed, as was I. If case processing is as good as enquiry handling, then this will be a winning service. So far so good Black Book!
Frazer Horton, Edward Frazer