Mortgages & Property Finance
Navigating the financial landscape in a new country can be overwhelming, but it doesn’t have to be. We help our clients secure the right financing for their Cyprus property, whether they are local residents or international investors. By working with the island’s leading banks and specialized financial advisors, we ensure you get clear terms, competitive rates, and a smooth approval process that moves at the speed of your purchase.
- Tailored mortgage options for residents and non-residents
- Clear guidance on Loan-to-Value (LTV) and deposit requirements
- Assistance with "Green" energy-efficient home financing
- Introduction to trusted tax and financial legal experts
What This Service Includes
Pre-Approval & Budgeting
Don't shop in the dark. We help you obtain a "Pre-approval in Principle" from a Cyprus bank before you fall in love with a property. This gives you a clear budget and a stronger negotiating position when making an offer.
Non-Resident Financing
If you don't live in Cyprus, the rules are different. We specialize in helping overseas buyers navigate stricter documentation and higher deposit requirements, ensuring your foreign income is presented correctly to the bank.
Bank Liaison & Documentation
We help you gather the mountain of paperwork, from tax returns to bank statements. Our team acts as the bridge between you and the bank's mortgage department, chasing progress and resolving "bottlenecks" so your loan stays on track.
Cost & Tax Planning
A mortgage isn't just an interest rate. We help you budget for the "extras" like life insurance, property valuation fees, and the mortgage registration fee, so there are no surprises when it’s time to sign.
Frequently Asked Questions
Can a foreigner actually get a mortgage in Cyprus right now?
Yes. While some banks have stricter rules for non-residents, others have specific products for “Holiday Homes” and “Buy-to-Let.” You will typically need a larger down payment, but financing is very much available for the right buyer.
What is the typical interest rate in 2026?
Most rates are variable (linked to Euribor) plus a bank margin. Currently, you can expect rates between 4.0% and 5.5% for non-residents, with lower “Green” rates available for homes with an Energy Certificate of Category A.
How long does the approval process take?
A standard mortgage usually takes 4 to 8 weeks. However, if your documents are prepared correctly in advance, we can often speed this up. We always recommend starting the “Pre-approval” process early to avoid delays.
Is there an age limit for a mortgage?
Yes. Most Cyprus banks require the loan to be fully repaid by the time the oldest borrower turns 65 or 70. This may shorten your maximum loan term if you are purchasing later in life.