Overseas mortgages, simplified
Overseas Mortgages for Canadians & Americans
Finance property in Italy, Spain, Portugal, France, Greece, the UAE, Australia, New Zealand and Mexico — through Upscore, our cross-border mortgage technology partner, and its international lender network.
This page written and reviewed by the Citadel Mortgages licensed brokerage team.
Licensed Canadian mortgage brokerage — FSRA 12993 (ON), FCAA 509446 (SK) and licensed across 10 provinces & territories.Verify licensing
After arranging overseas mortgages across nine markets, the pattern is always the same: the deal is won or lost in the first week. Getting the local tax number, the right lender shortlist and a properly packaged income file in place up front is what separates a smooth approval from a six-month scramble.
— Citadel Mortgages licensed brokerage team, drawn from live experience placing overseas mortgages for Canadian & American buyers.
9 countries
One application — multiple international lenders.
Licensed brokerage
A Citadel Mortgages brand. Fully licensed in Canada.
Up to 70% LTV
Competitive rates in EUR, AED, AUD, NZD and USD.
Canadian & U.S. buyers
Cross-border income and asset profiles welcome.
Overseas mortgages for North American buyers
Buying property overseas as a Canadian or American is more accessible than ever — but financing requires specialist expertise. Each country has its own lender appetite, LTV limits, income documentation rules, and legal process. Global Property Mortgages — a brand of Citadel Mortgages, a fully licensed Canadian mortgage brokerage — gives Canadian and American clients the ability to finance property abroad through Upscore, our cross-border mortgage technology partner, connecting you with the right international lender for your target country and profile.
Whether you're buying a Tuscan villa, a Spanish coastal apartment, a Lisbon flat, a Paris pied-à-terre, a Dubai freehold, or a New Zealand new build, our team coordinates pre-approval, the local documentation (NIE, NIF, codice fiscale, AFM, FIRB, OIO consent), and the final notarial signing.
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Free tool
International Mortgage Calculator
Estimate your overseas mortgage payment, deposit and currency exposure in seconds.
How the international mortgage calculator works
This free calculator estimates the monthly principal-and-interest payment on an overseas mortgage. Enter the property price, your down payment, the interest rate and the amortization period, and it returns your estimated monthly payment, loan amount and total interest over the life of the loan.
It uses the standard amortizing-mortgage formula: M = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), where M is the monthly payment, P is the loan principal, r is the monthly interest rate (annual rate ÷ 12) and n is the number of monthly payments (years × 12).
Worked example: on a €400,000 property with a 35% down payment (€260,000 loan) at a 4.0% annual rate over 25 years, the estimated monthly payment is about €1,372, with roughly €151,700 of total interest over the full term.
Results are indicative only and depend on the lender, currency and final approved rate. Most overseas mortgages for non-resident Canadian and American buyers require a 30–40% down payment.
Trusted overseas mortgage sources
Independent regulators and authorities covering our overseas mortgage markets.
Overseas mortgage FAQs
What Canadian and American buyers ask before financing property abroad.
Can a Canadian or American get a mortgage overseas?
Yes. Most major property markets — Italy, Spain, Portugal, France, Greece, the UAE, Australia, New Zealand and Mexico — have lenders that finance qualified North American buyers. LTVs range from 50% to 70% depending on country, with both euro/local-currency and (in some cases) USD-denominated facilities available.
Why use Global Property Mortgages instead of going direct?
Most local lenders abroad have limited non-resident desks, varying documentation requirements, and product availability changes constantly. We maintain relationships across multiple lenders per country and place each client with the right one — saving weeks of trial-and-error.
How much deposit do I need for an overseas mortgage?
Typically 30–50% of the purchase price as deposit, plus another 7–15% for taxes, notary, legal and registration fees. The exact number depends on country and property type.
Can I use my Canadian or U.S. income to qualify?
Yes — overseas lenders accept Canadian and U.S. employment, business and investment income, although most will shade foreign income by 20–40% in their debt-service calculation.
Do I need to travel overseas to sign?
Usually no — most countries allow a local lawyer to sign on your behalf via power of attorney for both the bank file and the notarial deed.
How long does the process take?
Plan for 6–12 weeks from pre-approval to funded mortgage, depending on country and whether additional approvals (FIRB in Australia, OIO in New Zealand) are required.
A Citadel Mortgages Brand
Global Property Mortgages is a brand of Citadel Mortgages — a fully licensed Canadian mortgage brokerage. Overseas financing is provided through Upscore, our cross-border mortgage technology partner.
More markets
Other countries we cover
Compare overseas mortgage programs across every country in our international lender network.
Ready to finance your overseas property?
Free, no-obligation review. Our specialists will match you with the right international lender for your country and profile.
