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

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Complex mortgage process

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Limited mortgage options

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Time-consuming market navigation

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Poor professional assistance

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Overwhelming documentation requirements

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How Kredium Helps you

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Tailored bank offers

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

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Start-to-finish guidance

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

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Completely online

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

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Time-saving service

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

Conditions for Mortgage Approval

Purchase Rights

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Are you allowed to purchase real estate in the chosen country

Employment

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Type of employment contract significantly affects mortgage options

Credit history

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Clean credit history in the US or another country

Down payment

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That you have available finances for a property down payment

Income

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

Property value

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

Property marketability

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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

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Documentation*
Required for Pre-Approval

US Citizens* residing in the US
and buying abroad

Residency

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  • ID, Passport

Employment

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Employed under contract and self-employed:

  • Social Security Number

Credit History**

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  • Credit score reference with tax returns and income statements

Down Payment

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  • Proof of available finances for a property down payment

US citizens residing and buying
outside of the US

Residency

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

Employment

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Employed under contract and self-employed:

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

Credit History**

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

Down Payment

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  • 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

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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

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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

Available services on our Platform

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Pre-approval process

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

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Personalized offers

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

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Refinancing

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

Eligible countries

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

Australia

Canada

Dubai

France

Germany

Holland

Ireland

Italy

Monaco

New Zealand

Portugal

South Africa

Spain

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Switzerland

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Turkey

Looking for a mortgage in another country? Tell us where.

We've received your request and will contact you as soon as we have an option for you.
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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

Get Started by creating
an account

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STEP

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

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STEP

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

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STEP

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

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