Mortgage & lending coordination for Cyprus property
Before you commit to a property, sit down with a Lextrus advisor: know what you can realistically borrow, which authorised intermediary or bank fits your profile, and how the money will really cost.
The right finance is worth more than the right rate
Cypriot mortgages vary widely by lender, currency and borrower profile — and a declined application can cost you a purchase. One consultation replaces guesswork with a structured borrowing plan and a clear referral path.
Know your borrowing power
A realistic affordability assessment before you commit to a property or pay a deposit.
Referral to authorised intermediaries
We introduce you to authorised Cypriot credit intermediaries and banks matched to your profile.
Built for non-residents
Foreign buyers and expats typically borrow 60–70% LTV in Cyprus — we structure your file so it is ready for the intermediary or bank.
Terms explained
We help you understand the rate, LTV, term and early-repayment conditions you are offered and the questions to ask.
Application pack done for you
Income, asset and property documents prepared to lender standard — no back-and-forth with credit teams.
Coordinated support
We are paid by you for our coordination, not by any lender, so our focus is on getting your file moving.
From first conversation to funds released
Book a consultation
Tell us about the property you are considering and your financial profile.
Affordability review
We assess your realistic borrowing capacity and explain what lenders typically require.
Referral & terms
We introduce you to an authorised intermediary or bank and help you understand the offer.
Application to drawdown
We coordinate with the intermediary, your lawyer and the Land Registry through to release of funds.
Mortgage & lending coordination — FAQ
What does a mortgage consultation with Lextrus cover?
Your borrowing capacity, the lenders or credit intermediaries most likely to suit your profile, indicative terms, and the full cost and timeline from enquiry to drawdown.
Can non-residents get a mortgage in Cyprus?
Yes. Non-residents can typically borrow 60–70% of the property value depending on income profile and the asset. A consultation tells you what is realistic and refers you to the right party before you commit.
Which currencies are available?
EUR is most common. GBP and USD facilities are available with selected lenders for qualifying borrowers.
How long does a Cyprus mortgage take?
Eight to twelve weeks from application to drawdown is typical with a clean file and valuation. We manage the coordination with the intermediary and your lawyer throughout.
Do you work for a bank?
No. Lextrus is a real estate broker. We coordinate your mortgage enquiry and refer you to authorised credit intermediaries and banks; we do not ourselves arrange or negotiate loans.
Talk to an advisor before you talk to a bank
Book your consultation and we will map your borrowing options and refer you to the right authorised intermediary — in person, by video call, or in the language you prefer.