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International Private Finance
Private Bank Mortgages for International Property
Finance your overseas property through our network of private banks in Monaco, Switzerland and Luxembourg — from €1 million, for buyers with complex income, significant assets, or financing needs that go beyond a standard mortgage.
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The private banking route
Most overseas buyers never know this option exists
Most buyers researching property finance abroad start with an obvious search — a French mortgage, a Spanish mortgage, property finance in Portugal. They expect it to work like a loan they recognise, just in a different country.
A significant number find that their financial profile doesn’t fit what retail lenders in those markets can accommodate. This includes:
- Dividend, carried interest or retained company profits
- Earnings across multiple currencies or jurisdictions
- Assets in investment portfolios, bonds or structured products
- Purchasing through an SCI, holding company or offshore structure
- Financing above €1 million where retail terms fall short
- Declined or under-offered despite strong underlying finances
Private banks assess the complete picture.
Let’s work out if this route is right for you.
Rather than asking whether income fits a formula, international private banks assess the complete financial picture — and structure financing around that.
If your situation is complex, a first conversation will quickly establish whether our network is the right fit.
Speak to a Private Finance Broker
No Obligation · Response within one working day
What’s different
How private bank mortgages work
Many of our clients don’t fit the standard affordability model — self-employed with variable income, holding assets under management rather than salary, purchasing through an SCI or holding company, or requiring finance above €1 million. Standard lenders often decline or under-offer on these profiles. We don’t.
Holistic Assessment
Underwritten against total wealth — assets, portfolios, business interests, and all income streams together. A strong balance sheet is the starting point, not a salary figure.
Available from €1 million
Private bank financing is available from €1m. At this level, terms, flexibility and discretion are typically meaningfully better than what retail lenders can offer.
Interest-only, including 100%
Full interest-only financing — including 100% interest-only — is available for qualifying clients. Not offered through French, Spanish or Portuguese retail lenders.
Lombard lending
Use an existing investment portfolio as collateral without liquidating it. Retain full investment value while financing the property — a structure retail lenders cannot offer.
Multi-currency
Where income or assets are held in sterling, USD, AED, HKD or SGD, financing can be structured to reduce or eliminate currency conversion exposure.
Complex ownership structures
Private banks regularly lend to buyers purchasing through SCIs, holding companies, offshore structures and family trusts — arrangements retail lenders typically cannot support.
Where We Finance
Some of the markets we cover
Private bank financing through Worldwide Property Co. is available for purchases in France, Spain and Portugal — and in other locations where loan amounts are sufficient and an appropriate banking relationship exists.
France
Spain
Portugal
TESTIMONIALS
What our clients say about us
How we work
Every situation is different.
We find the solution that fits.
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Discuss your financing options
If your income or asset profile may not fit a standard mortgage, we can assess whether private bank financing is the right route. All conversations are confidential and without obligation.
Enquire about Private Finance
No Obligation · Response within one working day
Questions Answered
Private Bank Mortgage FAQs
Further Reading
Guides for Buying Property Abroad
