Entrepreneur, Founder, CEO & UHNW Broker.
EUROPEAN FINANCE.
Mortgages and bridging across France, Monaco, Italy, Spain, Portugal, Switzerland and beyond, including 17+ European countries for bridging.
Islay’s network is vast and covers all high-net-worth locations and sectors.
£50m+ Loan size
1–24 Months term
48hrs Typical turnaround
Europe is fragmented. Every country has its own lender ecosystem, documentation expectations, tax considerations and timing rhythm. I've spent years building relationships in each of them, French retail banks and private banks for St Tropez and Alpine purchases, Swiss private banks for high-LTV lending against UK and European assets, Italian regional banks for Como and Tuscany, Spanish lenders for Mallorca and Ibiza, Portuguese private banks for Lisbon and the Algarve.
European mortgages and finance
Europe is fragmented. Every country has its own lender ecosystem, documentation expectations, tax considerations and timing rhythm.
-
01
Define Your Investment Goals
We start by identifying the country, property type, and purpose of the purchase, whether for investment, a second home, relocation, or portfolio diversification. -
02
Assess Your Financing Profile
European lenders assess applicants differently across jurisdictions. We evaluate your income, assets, residency status, and existing liabilities to determine the most suitable financing structure. -
03
Source the Right Lender
Drawing on our network of private banks, international lenders, and specialist institutions, we identify lenders that match your profile and property requirements. -
04
Manage the Application Process
We oversee the mortgage application, liaise with lenders and advisers, and help navigate country-specific requirements, valuations, and underwriting processes. -
05
Complete the Transaction
Once approved, financing is released and the acquisition is completed. We remain available to assist with refinancing, additional acquisitions, and ongoing portfolio financing needs. -
06
Mortgage Completion
After the mortgage is approved and legal work is completed, funds are released and the transaction is finalised, allowing you to complete your purchase or refinance with confidence.
Media & Press.
Case Studies
Frequently Asked Questions
European property finance refers to mortgage and lending solutions used to purchase, refinance, or invest in residential and commercial property across Europe. Financing options vary by country and may be available through local banks, international lenders, private banks, and specialist institutions depending on the borrower's profile and objectives.
Yes, many European lenders offer financing to international buyers, expatriates, and non-residents. Lending criteria differ between countries, and factors such as residency status, income source, asset base, and the location of the property can influence the options available.
The amount you can borrow depends on the country, property type, lender requirements, and your financial profile. Lenders typically assess income, assets, liabilities, and the purpose of the purchase when determining borrowing capacity and loan terms.
Documentation requirements vary by jurisdiction but commonly include proof of identity, proof of income, bank statements, asset information, tax documentation, and details of the property being financed. Additional information may be required for self-employed applicants, business owners, or borrowers with international income and asset structures.