International
Mortgages

NTL Trust Wealth is our global family office service, a team of our most experienced lawyers and consultants who act as the gateway to both the NTL Trust network and those of our trusted partners.

Whatever your country of residence or citizenship, no matter where you want to buy property, NTL Trust’s International Mortgage Desk can help high net worth individuals access the best property financing and mortgage options available.
We can also arrange real estate financing for trusts and companies.

No matter if you are looking for a dream villa or yacht slip in the Caribbean, a condo in Dubai, a commercial development in Istanbul, or your ideal family base in Europe, we can help. Even if it seems like an improbable task – our advisors can help you find a way to access mortgage plans.

International Mortgage Business: The Need & The Solution

NTL Trust’s International Mortgage Business developed because our company was uniquely positioned between a need and a solution.

Our clients wanted to invest in Citizenship-by-Investment approved property in the Caribbean to qualify for citizenship. Instead of tying up their resources, they wondered if we could help them borrow the money. However, local banks were rarely willing to finance citizenship by investment property.

On the other hand, through our trust business, we had unique access to dozens of private banks and family offices, from London and Geneva to Miami and Nassau, and beyond. Private banks are known to be the most flexible when it comes to financing international assets, for the simple reason that they typically already have a 360-degree view of the borrower’s financial position.

Many of these private banks will lend for an international property purchase, and often, these private banks or alternative lenders will offer a more competitive deal.

The Best Mortgage Financing Option

However, finding the best international mortgage financing is rarely a case of applying for a mortgage from your existing bank in your home country. Most banks don’t offer international property finance. Those that do tend to finance international real estate purchases in only one or two select countries. Sometimes, your home bank might offer you an international mortgage, but on such unfavorable terms as to make it unattractive.

NTL Trust’s International Mortgage Desk is in regular contact with a range of private banks and alternative lenders. Not only can we find a bank that will grant you the mortgage you want, but we can negotiate the most competitive terms and rates for you. We can also help you hedge currencies or take advantage of cross-currency interest rate differentials.

Investment Portfolio, New Bank Account

Please note that in almost all cases an investment portfolio with the bank in question will be required, meaning that you will need to open a new bank account and transfer at least some of your existing investments, as this is the main security the lender will rely upon. However, this means you can leave assets like stocks, shares, insurance policies that might be paying above-market rates of return intact, simply by transferring custody. This avoids interrupting your existing investments or causing taxable events.

This may sound daunting, but our International Mortgage Desk will be there to help and assist you in every step.