Best Mortgages for
US Citizens Buying
Properties Abroad

We simplify the process and guide you through every step of the journey

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Top 5 challenges for expats buying properties in the US

Complex mortgage process

Limited mortgage options

Time-consuming market navigation

Poor professional assistance

Overwhelming documentation requirements

How Kredium helps you

Tailored bank offers

We find you the best personalized loan offers for your chosen property

Start-to-finish guidance

We guide you through the entire process from application to mortgage payment

Completely online

We help you take out a loan all from the comfort of your home

Time-saving service

We offer free quotes, save you time and arrange everything for you

Conditions for mortgage approval

Purchase Rights

Are you allowed to purchase real estate in the chosen country

Employment

Type of employment contract significantly affects mortgage options

Credit history

Clean credit history in the US or another country

Down payment

That you have available finances for a property down payment

Income

Up to 30-50% of income reserved for monthly loan instalments

Property value

The value of the underlying property should cover 20-50% of the mortgage

Property marketability

How quickly can the lender sell the property in case you default on your mortgage

* Investment property mortgages are more easily approved and require less paperwork in general

Documentation* you might need for
‍pre-approval

US Citizens* residing in the US and buying abroad

Residency

  • ID, Passport

Employment

Employed under contract and self-employed:

  • Social Security Number

Credit History**

  • Credit score reference with tax returns and income statements

Down Payment

  • Proof of available finances for a property down payment

US citizens residing and buying outside of the US

Residency

  • ID, Passport
  • Proof of Residency (if available)
  • Foreign Work Visa

Employment

Employed under contract and self-employed:

  • Translated 2 years income statements
  • Translated CPA** letter

Credit History**

  • US credit report
  • International credit report
  • Translated credit reference letters

Down Payment

  • Sourced liquid assets for a property down payment

IMPORTANT:

* Refugees and asylees who are permanent residents have the same requirements as US citizens

** Certified Public Accountant

Available services on our platform

Pre-approval process

Get professional advice from our mortgage experts to help you apply quickly and easily

Personalized offers

Get personalized home loan offers within 24 hours without ever leaving your house

Refinancing

If you already have a mortgage that you are looking to refinance, we can help you refinance it with better loan terms.

Where can you get a mortgage for a property abroad

Local lender:  We can find you a lender in the country where you are planning to buy real estate

US lender: We can find you a lender in the US for your foreign purchase

Finding a lender in a foreign country

  • Here is a list of countries where we can offer you mortgages and their respective loan conditions
  • We can connect you with your chosen lender and provide you with the best mortgage terms
Countries Annual rate Repayment period Required down payment Maximum loan amount
Europe Austria 2.0 – 3.5% Up to 25 years 40% 60%
Belgium 2.5 – 3.5% Up to 30 years 20% 80%
Bulgaria 8.5 – 9.5% 5 – 20 years 30 – 40% 60 – 70%
Croatia* 4.5 – 5.7% 3 – 30 years 50 – 65% 35 – 50%
Cyprus 4.7 – 5.0% 10 – 40 years 40 – 50% 50 – 60%
Czech Republic 2.5 – 2.8% Up to 20 years 40% 60%
Finland 1.0 – 2.0% Up to 35 years 25% 75%
France 1.0 – 2.3% 5 – 25 years 40% 60%
Germany 1.5 – 2.0% 5 – 30 years 40% 60%
Greece 3.5 – 7.2% 6 – 30 years 10% 90%
Hungary 5.5 – 7.0% Up to 30 years 50% (25 for EU citizens) 50% (75 for EU citizens)
Italy 3.5% 5 – 20 years 15 – 20% 80 – 85%
Latvia 4.8 – 6.0% 2 – 20 years 30 – 35% 65 – 70%
Monaco 2.3 – 3.2% 3 – 20 years 0 – 50% 50 – 100%
Montenegro* 4.0 – 5.0% 1 – 20 years 50% 50%
Poland 3.1 – 5.2% Up to 35 years 10% 90%
Portugal 2.5 – 4.0% Up to 35 years 40 – 50% 50 – 60%
Romania 2.2 – 5.8% Up to 30 years 15% 85%
Spain From 2.5% Up to 30 years 30% 70%
Switzerland 1.0 – 1.7% Up to 10 years 20% 80%
UK 4.0 – 5.0% 2 – 5 years 50% 50%
Asia China From 2.0% Up to 30 years 10 – 30% 70 – 90%
Israel 3.0 – 3.5% Up to 30 years 50% 50%
Thailand** 8.7 – 9.0% 1 – 10 years 50% 50%
Turkey 6.0 – 9.0% Up to 15 years 40 – 50% 50 – 60%
UAE*** From 5.0% Up to 25 years 25 – 50% 50 – 75%

NOTICE:

* Only residents working and receiving income in the country can obtain mortgages there.

** Bank mortgages are not available to non-residents. Buyers without Thai residency permits or Thai spouses can obtain loans from the MBK Group UK.

*** Non-residents can only obtain mortgages with certain banks

Vietnam and Egypt do not allow foreign nationals to obtain mortgages

Finding a lender in the US

  • US lenders rarely provide mortgages for property purchases abroad, and US banks aren’t cooperating
  • We can connect you with trustworthy  private lenders in the US from our ever-growing network of investors

Eligible countries

Where US citizens can get a cross-border mortgage from local lenders

North America

Belize

Honduras

Canada

Mexico

Costa Rica

Nicaragua

El Salvador

Panama

Guatemala

South America

Argentina

Guyana

Bolivia

Paraguay

Brazil

Peru

Chile

Suriname

Colombia

Uruguay

Ecuador

Venezuela

Europe

Austria

Italy

Belgium

Latvia

Bulgaria

Monaco

Croatia

Montenegro

Cyprus

Poland

Czech Republic

Portugal

Finland

Romania

France

Serbia

Germany

Spain

Greece

Switzerland

Hungary

UK

Asia

China

Qatar

India

Saudi Arabia

Israel

Thailand

Jordan

Turkey

Kuwait

UAE

Representative loans

Maximum monthly instalment based on repayment period and loan amount
at 4.5%
interest rate 		Repayment period (in years)
Loan Amount
(in USD)		 10 15 20 25 30
200,000 $2,614.43 $2,071.65 $1,806.97 $1,653.33 $1,555.04
300,000 $3,921.65 $3,107.48 $2,710.45 $2,480.00 $2,332.56
400,000 $5,228.87 $4,143.31 $3,613.93 $3,306.66 $3,110.07
500,000 $6,536.09 $5,179.13 $4,517.41 $4,133.33 $3,887.59
600,000 $7,843.30 $6,214.96 $5,420.90 $4,959.99 $4,665.11
700,000 $9,150.52 $7,250.79 $6,324.38 $5,786.66 $5,422.63
800,000 $10,457.74 $8,286.61 $7,227.86 $6,613.33 $6,220.15
900,000 $11,764.96 $9,322.44 $8,131.34 $7,439.99 $6,997.67
1,000,000 $13,072.17 $10,358.27 $9,034.83 $8,266.66 $7,775.19

Instalments include property taxes (1.2% of property value), home insurance (0.4% of property value) and maintenance fees (1% of property value)

Mortgage Amount 200k-1000000
Estimated monthly payment interest rate 3.14

Kredium process

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STEP

Fill out a questionnaire and we will contact you as soon as possible or at agreed upon time

STEP

You get a personalized overview of available offers based on the information you provided

STEP

We schedule a meeting with your selected bank and continue to guide you through the process

Get Started

Camille Leachman

Mortgage Adviser

+1 (407) 230-4451

Our international mortgage expert will get back to you as soon as possible to help you with your application process as well as any questions you may have.

David Del Castillo

Mortgage Adviser

+1 (864) 734-7552

Broj telefonaWhatsappEmail

Camille Leachman

Mortgage Adviser

+1 (407) 230-4451

Broj telefonaWhatsappEmail

Get a mortgage anywhere in the world with us!

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