Can you get an international mortgage from Chase?

An international mortgage can help you buy property overseas, whether you want to relocate to Europe or invest in Asia.

But can you get a Chase® international mortgage? Let’s take a look at everything you need to know, including fees and things to consider for your move.

Buying property overseas? Use Wise to spend, send, and receive your money to over 140 countries around the globe. Let’s dive in!

What is an international mortgage?

An international mortgage is a loan used to purchase property outside the US. You may need a global mortgage to buy a new home or commercial investment property overseas, for example.

You can also take out an international mortgage if you’re a US expat living abroad who wants to purchase property back in the states.

Not all US banks and lenders offer international mortgage loans, so you’ll need to find the right provider for you.

Can you get an international mortgage from Chase Bank?

Unfortunately, Chase Bank doesn’t usually offer international mortgages for everyday banking customers.

However, you can take out a regular US mortgage from Chase Bank. Chase’s home loan requirements may depend on which type of mortgage you need.

The provider offers a range of options, including conforming mortgages, FHA mortgages, and jumbo mortgage loans.¹

💡 High net worth individuals can also access global real estate solutions and tailored support at J. P. Morgan® Private Bank. J. P. Morgan owns Chase Bank – and the provider will offer a full liquidity strategy to help support your wealth plan.

You can access residential and commercial real estate investment property mortgages in a range of countries, including the UK, Hong Kong, and Singapore.²

Chase international mortgage alternatives

You can’t typically get an international mortgage from Chase, but you can work with a different global provider.

Let’s take a look at some alternatives to Chase Bank international mortgage.

Standard Chartered

Standard Chartered® offers international mortgage solutions for US citizens looking to invest in property overseas.

The provider supports financing in a range of countries, such as Singapore, Hong Kong, the UK, Greater Bay Area China, India, and the UAE.

Standard Chartered has variable and fixed rate mortgages in multiple currencies – and you can borrow up to 75% of the property value. You can also access repayment tenures of up to 35 years.³

America Mortgages

America Mortgages® is an international mortgage lender that specializes in mortgage loans for US expats.

You can take out a conforming loan from America Mortgages – and you can use your income abroad to qualify. This is ideal for expats who don’t fit the criteria for local US bank mortgages.

You won’t need a W2 form, but you’ll need to meet a minimum loan amount of 150,000 USD and a maximum of 5,000,000 USD.⁴

HSBC

HSBC®’s overseas mortgage specialists provide a range of international mortgage options for US citizens looking to buy property abroad.

HSBC international mortgage includes access to JLL®, HSBC’s global real estate services partner. Get insights about the international property market and 1-to-1 consultations on all your property needs.

Your HSBC representative can also give you advice about the best countries to purchase property abroad.⁵

Citibank

Citibank® offers international mortgages for holiday homes, investment properties, mortgage switching or equity release, and buy-to-let properties.

Citibank international mortgages are available in 10 countries and 10 currencies, but you can’t typically use your loan to cover a main residence overseas.⁶

Ultra high net worth individuals can also access Citibank Private Bank mortgage loans, including expert advice about wealth management.⁷

Buying property abroad? Send money the hassle-free way with Wise

Now that we covered some of the basics, the only question left is: how to send money to pay for your property overseas?

Wise offers you a quick, secure, and transparent way to send money abroad. You get the mid-market exchange rate for your payments and see how much it’s charged for the transfer before sending the money from your bank.

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Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information

What to consider when getting an international mortgage

There are a few things to think about before getting an international mortgage. You need to consider:

• your current financial situation
• your investment portfolio and goals
• where you want to buy
• the type of property you want to purchase
• currency conversion charges for foreign transfers abroad

You may also need to consult a lawyer, financial advisor, or real estate agent to get your international mortgage.

You can’t typically get an international mortgage from Chase Bank, but there are plenty of alternatives.

If you’re a US expat, you may want to use a mortgage lender like America Mortgages. High net worth individuals can also access personalized mortgage products from J. P. Morgan Private Bank.

Make sure to consult an expert before going ahead with your mortgage. You’ll also need to think about moving costs, taxes, and exchange rate fees for your purchase.

To explore your low-fee global spending options, check out Wise.

Sources

1. Chase - Mortgage loan options for home buyers
2. J. P. Morgan - Mortgages
3. Standard Chartered - International mortgages
4. America Mortgages - International expat mortgages USA
5. HSBC - Overseas mortgages
6. Citibank - Citi Group Offshore Center
7. Citibank - UHNW mortgages