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Deciding on your budget for the purchase of a home abroad is a vital first step. Deciding on a mortgage will be the second. You will need to decide how much you can comfortably afford to put down and what size of mortgage you require. Don’t forget to take local property taxes and other living expenses into account when working your budget out. For example, a mortgage in Spain, the deposit required is between 30-40% and you need to allow 12-15% of the cost of the property for fees and taxes.

That’s why we advise getting the specialist advice of a mortgage broker who knows the rules and regulations in each country, and who also has good contacts with local mortgage providers. They can help you to obtain an agreement in principle from a lender – not only will this guide your budget, it will also show real estate agents and vendors that you are a serious buyer.

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