ABOUT UPSCORE
Making Overseas Mortgages Accessible
Upscore connects foreign property buyers with local banks. We have processed over 12,000 mortgage applications from 40+ nationalities across Spain, Portugal, UAE, and other European markets.
FCA Regulated
EU Regulated
Since 2023
WHAT WE DO
A Mortgage Broker for Non-Residents
Upscore is a mortgage broker for non-residents buying property abroad.
Our Finance Passport pre-qualifies you with multiple local banks in your target country — so you know your borrowing range, deposit requirement, and best bank match before you make an offer on a property.
Multi-Bank Comparison
We work with all largest banks in Spain, Portugal and the UAE. You apply once, we compare for you.
Data-Driven Matching
Our recommendations are based on analysis of 12,000+ real mortgage applications.
Regulated and Free
FCA authorised (ref #1011029). Our service is free — we earn a commission from the bank that approves your mortgage.
THE NUMBERS
Data from 12,000+ Real Applications
12,000+
42
3
40+
48h
BY MARKET
ES
9,600+
6 Partner banks
AE
1,400+
7 Partner banks
PT
780+
5 Partner banks
Also operating on a case-by-case basis: France, Italy, United Kingdom — ~170 deals processed
€222K
142 days
OUR TEAM
The People Behind the Data
Upscore is led by a team with direct experience in cross-border mortgage origination and banking partnerships.
Marta Bruguera
REAL STATE
Marta advises buyers and sellers with a close, strategic approach focused on maximizing the value of each real estate transaction. She combines years of market knowledge, professional rigor, and personalized service.
Daniel Antón
MORTGAGES
Daniel supports sellers, and also buyers including the mortgage process by providing expert advice and comprehensive management with banks to secure the best conditions and more efficient transactions.
Tom Clovin
INTERNATIONAL
Tom advises on international transactions with a strategic, global approach focused on maximizing opportunities in each market. He combines an international perspective, investment expertise, and a personal touch.
REGULATION & TRUST
Authorised, Licensed, Registered
UK
Financial Conduct Authority
Reference #1011029
Upscore Ltd is authorised and regulated by the Financial Conduct Authority (FCA). As a credit broker, not a lender, Upscore helps you compare mortgage offers from multiple banks. All credit is subject to status.
Spain
Bank of Spain
Reference #E309
Overseas Mortgages SL (trading as Upscore) is authorised and regulated by the Bank of Spain. As a mortgage broker, not a lender, Upscore helps you compare mortgage offers from multiple banks. All credit is subject to status.
Portugal
Bank of Portugal
Reference #0008287
Overseas Mortgages SL (trading as Upscore) is authorised and regulated by the Bank of Portugal. As a mortgage broker, not a lender, Upscore helps you compare mortgage offers from multiple banks. All credit is subject to status.
