Foreign National Loans
Several European and US private banks underwrite Foreign National Loans for cross-border buyers — selectively, with their own documentation logic. Choosing the right lender is most of the work.
USA ↔ Europe
For clients whose lives sit between the United States and Europe — buying a home in Europe while based in the US, or acquiring property in the US while living in Europe.
Most of these conversations are not really about a single mortgage. They are about how to finance a meaningful purchase when income, assets, banking relationships and tax residency sit on different sides of the Atlantic. On the European side, several international private banks and specialist lenders extend Foreign National Loans to US-resident buyers, typically at 50–70% loan-to-value. On the American side, European private banks can support a US acquisition through a portfolio-backed facility, and a number of US lenders quietly underwrite foreign national files when prepared well. We advise personally on which route fits a given situation — and coordinate with the banks, lawyers, tax advisors and family-office contacts who need to move in step with the transaction.
What sets this market apart
Currency exposure is a real decision
EUR / USD mismatches between income, assets and the mortgage are rarely neutral. They should be modelled, not assumed away.
Cross-border structuring
Ownership through individuals, LLCs, Sàrl or holding structures changes financing, estate and tax outcomes meaningfully. The structure is part of the financing, not separate from it.
Tax residency coordination
US tax residency overlays European reporting in ways that affect documentation, deductions and exit. A coordinated view across counsel and tax advisor is essential.
A detailed guide to this market is being prepared. In the meantime, we welcome a private conversation about your specific project.