Pre-Qualify for a Non-Resident Mortgage in 48 Hours

Yes. The Finance Passport is completely free. Upscore earns a commission from partner banks only when your mortgage completes. You will never be charged for the pre-qualification, bank matching, or advisory services. There are no hidden fees and no obligation to proceed after receiving your report.

The Finance Passport currently covers three core markets: Spain, Portugal, and the UAE. Each market has its own set of partner banks, LTV ranges, and lending criteria. Upscore also assists buyers purchasing in France, Italy, and the UK on a case-by-case basis. When you create your account, you select your target country and the Finance Passport is tailored to that market.

Most buyers receive their Finance Passport within 48 hours of completing their profile. The profile itself takes approximately 10 minutes to fill in. Your report includes your estimated borrowing range, matched banks, and a personalised document checklist for your target country.

No. The Finance Passport is a pre-qualification assessment, not a formal credit application. Upscore analyses your profile against bank lending criteria without performing a credit check. A formal credit check only occurs later, if you choose to submit a full mortgage application to a specific bank.

Each country has different LTV limits, documentation requirements, interest rate ranges, and processing timelines. For example, non-resident LTV in Spain ranges from 60–75% depending on the bank, while other markets have their own ranges. The Finance Passport accounts for these differences automatically — you receive country-specific guidance based on where you want to buy.

For the initial pre-qualification, you do not need any documents — just your financial details. When you proceed to a full application, you’ll typically need: passport, proof of income (payslips or tax returns), bank statements (3–6 months), proof of deposit, and employment verification. Self-employed applicants usually need 2 years of filed accounts. Exact requirements vary by country and bank. Your Finance Passport includes a personalised document checklist.

Yes. The Finance Passport is fully online. Upscore has processed applications from buyers of 40+ nationalities living in over 30 countries. You do not need to visit your target market to get pre-qualified. The entire process, from application to bank submission, can be completed remotely.

Upscore is a regulated mortgage intermediary (FCA #1011029) that specialises exclusively in non-resident mortgages across multiple countries. Unlike traditional brokers, Upscore provides a digital pre-qualification tool (the Finance Passport) that compares your profile against multiple banks simultaneously. You receive a data-driven report rather than a sales call, and Upscore’s advisory team supports you through to completion.

Yes. Approximately 25% of Upscore’s applicants are self-employed. The main challenge is income verification: most banks require 2 years of filed accounts and consistent income. Some banks are more flexible with self-employed applicants than others. Your Finance Passport identifies which banks in your target country are most likely to approve your specific employment situation.