Why Multi-Jurisdiction Property Ownership is Rising

For many high-net-worth (HNW) and ultra-high-net-worth (UHNW) clients, owning property in more than one country is about more than lifestyle. It can be part of a long-term wealth strategy, combining personal enjoyment with asset diversification. In 2025, we are seeing increased interest from clients pairing prime London residences with villas in the South of France, ski chalets in Switzerland, or city apartments in global business hubs.

While the rewards of multi-country ownership are clear, arranging finance is rarely straightforward. Lender appetite, property valuation approaches, and compliance requirements vary widely between jurisdictions. Without careful planning, delays and missed opportunities are common.

How Lenders View Cross-Border Finance

Most mainstream lenders prefer to finance property in a single jurisdiction. When clients are purchasing in more than one country, the most common approach is to arrange individual loans in each location. This often involves releasing equity from one property to fund another, or using a facility that draws on assets in more than one country.

For example, a client might refinance a UK property to part-fund an overseas purchase (Using Equity Release for Portfolio Growth), or work with a private bank that offers cross-collateral arrangements. Private banks are more likely to consider taking security over multiple properties in different countries, although they typically require a significant asset base and a deeper client relationship (Private Bank Mortgages Explained: Benefits and Drawbacks).

Structuring Ownership Across Borders

The way a property is held can directly impact the type of finance available. In the UK, purchases might be in personal names or through a limited company (Limited Company Mortgages Explained), while overseas properties may be owned via local entities, trusts, or offshore structures (Lending to Offshore Trusts: What UK-Based Borrowers Need to Know in 2025).

While structuring advice should always come from qualified legal or tax specialists, an experienced broker will ensure the finance package is compatible with your chosen ownership model, reducing the risk of lender pushback or delays in approval.

Currency Considerations and Risk Management

One of the biggest differences between financing in a single country and arranging multi-jurisdiction mortgages is currency exposure. If your income is in pounds but your overseas mortgage is in euros, fluctuations in the exchange rate can change the cost of your repayments and impact affordability.

Specialist lenders may offer multi-currency mortgages or work closely with foreign exchange providers to help clients manage this risk (Currency Risk and Income Verification: Challenges of Foreign Income). Factoring in currency volatility at the outset can prevent unexpected cost increases later.

Why Private Banks Are Often the First Choice

Private banks remain the most flexible option for financing international property portfolios. They can take a holistic view of a client’s wealth, offering bespoke lending packages that cover multiple jurisdictions, accept diverse income sources, and integrate with investment portfolio lending (How International Buyers Are Leveraging Private Banking Relationships to Finance UK Property in 2025).

The trade-off is that these facilities often require significant assets under management and can involve more complex onboarding. For the right client, however, they offer a level of integration and flexibility that standard lenders cannot match.

How Willow Private Finance Can Help

At Willow Private Finance, we work with clients across the UK and internationally to arrange complex property finance solutions. Whether you are releasing equity from a London townhouse to fund a purchase abroad, or buying in multiple countries simultaneously, we can connect you with lenders who understand the unique requirements of cross-border ownership.

We draw on an extensive network of private banks, specialist lenders, and foreign exchange partners to structure finance that aligns with your ownership strategy and long-term objectives.

Frequently Asked Questions

What are the main challenges in financing multi-jurisdiction property purchases in 2025?
Lenders typically prefer to lend within a single country, so cross-border transactions face issues such as differing legal systems, property valuation approaches, currency risk, and compliance/regulation variation. In many cases borrowers need separate loans in each jurisdiction or use cross-collateral strategies. Willow Private Finance

When does a private bank’s cross-collateral or multi-asset facility become feasible?
Private banks will consider security over multiple properties across countries for clients with substantial overall assets under management and deep relationships. Such packages are rare in mainstream lending. Willow Private Finance

How does ownership structure impact cross-border finance prospects?
Whether property is held personally, via local entities, trusts or offshore vehicles can materially affect what lenders will accept. The finance and legal structure must align with the ownership model to prevent objections or delays. Willow Private Finance

How should currency risk be handled in multi-jurisdiction borrowing?
Borrowers need to account for fluctuations in exchange rates, especially if income is in one currency but debt is in another. Some lenders offer multi-currency mortgage options or integrate foreign-exchange hedging into the facility. Willow Private Finance

Why do most lenders prefer separate local loans instead of a single international facility?
Because jurisdictional, regulatory, tax, legal, and property market risk differs across countries. Underwriting across borders is more complex, so many lenders limit themselves to domestic markets. Willow Private Finance



What role does a specialist broker play in executing multi-jurisdiction property finance?
A broker familiar with cross-border deals can structure the finance such that ownership, lender acceptance, currency, and legal considerations align. They connect the borrower with lenders experienced in multi-jurisdiction lending. Willow Private Finance

📞 Want Help Financing Property Across Multiple Countries?

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We’ll help you find the smartest way forward — whatever your plans in 2025.