International Financing 2026: What Local Banks Lend Non-Residents
Spain, Portugal, UAE, USA — what you actually need in equity, realistic rates, and what banks look for in Airbnb properties.
"Can I finance a foreign property?" — probably the most common question in our market check. Here's the sober state of play.
Spain
Non-residents get 60–70% LTV, 20–25 year terms, rates currently 4.2–5.1%. Required: 3 months of statements, income proof, NIE number. Airbnb income is partially recognized.
Portugal
70% LTV for EU citizens, 60% for others. Rates 3.9–4.8%. Banks like AL licenses but treat income conservatively — usually a 70% recognition factor.
UAE
Cash market. Non-resident mortgages exist (50–60% LTV) but are expensive (5.5–7%). Most buyers pay in 2–3 installments directly to the developer.
USA
Foreign National Loans: 60–70% LTV, 7.5–8.5% rates, DSCR-based (debt service coverage instead of personal income). Common for Orlando/Florida investments.
Common mistake
Waiting until the closing date to confirm financing. We recommend: pre-approval before property search — saves 4–6 weeks and strengthens negotiation.
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