Business Details
18 Years
experience
Your Trusted International Mortgage Broker in London
Established in 2008, we revolutionised international property finance by combining specialist expertise with a client-centric approach. Our award-winning team of multilingual mortgage experts has secured over 17 years of industry experience, delivering tailored solutions across France, Spain, Italy, Switzerland, and Portugal. With a 97% mortgage approval rating and 100% client satisfaction, we leverage exclusive banking relationships to offer competitive rates and streamlined processes. Our proprietary technology ensures transparent communication throughout every transaction phase, from initial consultation to completion.Recognised as the Best Specialist Mortgage Broker at the British Bank Awards 2020, we maintain rigorous compliance standards under FCA regulation 726230. Our fee structure remains transparent, with pricing determined by individual circumstances rather than generic formulas. Through 200+ case studies, we've demonstrated success in complex scenarios including cross-border purchases, post-Brexit adjustments, and high-value transactions. Client testimonials consistently highlight our exceptional support, with one noting we've become 'the gold standard in international property finance'.
Services
French Mortgages
Spanish Mortgages
International Mortgages
Mortgage Calculators
Case Studies
Details
- Year established: 2008
Highlights and features
- 17+ years specialist experience in international property finance
- Highest mortgage approval rating in the industry at 97%
- Award-winning multilingual team with exclusive banking relationships
- Transparent fee structure with no hidden costs
- Proven success in complex cross-border transactions
Associations and certifications
- Financial Conduct Authority
What people say
Expert advice
Professional yet warm
Highly recommend
Fantastic service
Successful outcome
Services
French Mortgages
Specialist financing solutions for French property purchases with loan-to-value up to 85%. Available for primary residences, holiday homes, and investment properties including Leaseback schemes. Terms from 5-25 years with fixed or variable rates based on Euribor.
Spanish Mortgages
Tailored mortgage products for Spanish property acquisitions with maximum 70% LTV. Available for mainland Spain, Canary Islands and Balearic Islands properties. Terms from 7-30 years with fixed or variable rates, requiring debt-to-income ratio below 40%.
International Mortgages
Cross-border financing solutions across multiple jurisdictions including Italy, Switzerland and Portugal. Case-by-case assessment for unique circumstances such as post-Brexit requirements and complex income structures. Competitive rates through exclusive banking partnerships.
Mortgage Calculators
Interactive financial tools to estimate borrowing capacity and monthly payments. Includes French and Spanish mortgage calculators incorporating local fees and tax considerations. Enables accurate budgeting for international property purchases.
Case Studies
200+ documented examples demonstrating successful mortgage completions in complex scenarios. Covers high-value transactions, tight deadlines, and unique client circumstances including self-employed applicants and cross-border relocations.
People
Fiona Watts
Founder
Established IPF in 2008 with vision to become leading international mortgage broker. Transformed industry standards through innovative technology and exclusive banking relationships. Recognised for exceptional client service and market expertise.
Questions
What international mortgage rates are currently available?
Rates based on Euribor with competitive options for France (up to 85% LTV) and Spain (up to 70% LTV). Detailed tables available online.
How does the international mortgage application process work?
Start with personalised consultation, document preparation, lender selection, and formal application. Average processing time 4-6 weeks with IPF.
Can self-employed individuals obtain international mortgages?
Yes, with minimum 2 years accounts. Specialist guidance available to optimise application success for self-employed applicants.
Are there additional fees beyond mortgage rates?
Transparent pricing with no hidden fees. Standard mortgage advice fees vary based on transaction complexity.
How long does international mortgage approval take?
Typically 4-6 weeks from complete documentation submission, significantly faster than direct bank applications.
Reviews (6)
Peter Jackson
Dec 24, 2021
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Assisted with a French mortgage back in 2015/2016 - Extremely professional and helpful, they took the stress and hassle out of the whole process. I would definitely recommend them.
Richard Harris
Dec 21, 2021
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Louis was responsive and professional throughout the process. Even with IPF guidance, you still have to do most of the documentation yourself and an awful lot is required for a French mortgage. The main advantage you have from IPF is access to and knowledge of the French mortgage market which is still quite traditional compared to say the UK. Nevertheless in our case we ended up with one of the obvious leaders which I could probably have managed myself. Anyway, the extra cost wasnt significant and it was reassuring to have someone else knowledgeable along for the ride. Thank you Louis.
Jenny Hamshere
Dec 07, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
we engaged the services of IPF to help with the purchase of a property in France. Louis was extremely helpful with every step - went above and beyond for us from start to finish. I would definitely recommend IPF.
we engaged the services of IPF to help with the purchase of a property in France. Louis was extremely helpful with every step - went above and beyond for us from start to finish. I would definitely recommend IPF.
Scott Cherry
Dec 02, 2021
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Positive:Professionalism,Quality,Responsiveness
Second time in a decade I've used Fiona & Ellie to secure property finance in France and would thoroughly recommend them to anyone. They totally hold your hand through the whole process and take all the fear out of what can initially seem a daunting process.
Second time in a decade I've used Fiona & Ellie to secure property finance in France and would thoroughly recommend them to anyone. They totally hold your hand through the whole process and take all the fear out of what can initially seem a daunting process.
Andrew Paton
Jun 18, 2021
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We submitted our information to Louis at IPF but decided to apply directly. Without our permission he contacted the French bank directly and discussed our application with an underwriter. Their conduct was not only unprofessional but, in our mind, a breach of GDPR. We believe that their conduct adversely affected our application. They have refused to detail who they spoke to at the bank despite promising to.
Tom Freeman
May 04, 2018
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These guys seriously earn their modest fee. We are very grateful for the amount of work they have put in to enable us to purchase a house of France which is a painful, confusing, bureaucratic process. We would not have been able to do it without them, despite having a Francophone in my family!
