Cross-Border Support for Financing, Refinancing & Real Estate Lending
At Borderless Lawyers, we support individuals, investors, and lenders in drafting, negotiating, and executing mortgage agreements and refinancing transactions across jurisdictions. Whether you’re acquiring residential or commercial property, refinancing an existing loan, or securing cross-border real estate financing, we ensure your interests are legally protected, tax-efficient, and structurally sound.
Our team operates across Spain, Portugal, Greece, the USA, China, South Africa, and offshore jurisdictions—making us an ideal partner for both local and international mortgage and refinancing needs.
✅ What We Offer: Mortgage & Refinancing Legal Services
📝 Mortgage Agreement Drafting & Review
-
Drafting and review of mortgage deeds, promissory notes, and security instruments
-
Ensuring enforceability across jurisdictions and lender compliance
-
Coordination with notaries, title registries, and financial institutions
💼 Real Estate Financing Structuring
-
Advising on loan-to-value (LTV), repayment schedules, and interest structures
-
Structuring mortgage vehicles (e.g. company-held vs. individual ownership)
-
Risk mitigation for cross-border lending and currency fluctuations
🔁 Refinancing & Re-mortgaging
-
Legal due diligence and evaluation of refinancing options
-
Coordination with current and new lenders, subordination, and discharge
-
Renegotiation of terms, updated collateral documentation, and registry filings
⚖️ Legal Risk Management
-
Reviewing mortgage covenants and default provisions
-
Ensuring alignment with tax, inheritance, and asset protection goals
-
Jurisdictional compliance, including foreign ownership and currency control rules
🌍 Jurisdictions We Serve
🇪🇸 Spain – Mortgage deeds before notary, land registry, and non-resident financing
🇵🇹 Portugal – Local and international refinancing, NHR structuring
🇬🇷 Greece – Bilingual mortgage documentation and Greek bank compliance
🇺🇸 USA – Residential and commercial mortgage review (including state-specific terms)
🇨🇳 China – Structuring offshore-secured financing for Chinese buyers abroad
🇿🇦 South Africa – Financing compliance with exchange control and SARB guidelines
🏝️ Offshore – Use of BVI, Cayman, and Luxembourg entities for secured lending and property holding
🛠 How We Work
1️⃣ Legal & Financial Assessment
We review your property, ownership structure, and financing needs.
2️⃣ Document Preparation & Negotiation
We draft and review loan and mortgage agreements, coordinating with all stakeholders.
3️⃣ Execution & Registration
We handle closing formalities, notarial steps, and land/mortgage registry filings.
4️⃣ Post-Closing Advisory
We support you in navigating repayments, refinancing, and regulatory developments.
👥 Who We Help
🏠 Private individuals financing primary or secondary residences
💼 Property investors seeking international mortgage solutions
🏦 Lenders requiring local legal counsel for mortgage security
🌍 Expats and non-residents refinancing cross-border properties
📊 Developers and funds securing project-based real estate finance
✅ Why Choose Borderless Lawyers?
🌐 Experience with mortgage structuring across jurisdictions
📜 End-to-end support from negotiation to registration
⚖️ Legally precise, commercially realistic solutions
🤝 Multilingual team with strong lender and notarial coordination
🔒 Confidential, efficient, and risk-aware approach
📞 Secure Financing with Cross-Border Legal Confidence
Whether you’re negotiating a new mortgage or refinancing an existing property, Borderless Lawyers ensures your transaction is compliant, enforceable, and aligned with your financial goals—locally and internationally.