Income from abroad
We assess opportunities for clients working or receiving income in other countries and in different currencies.
Individually assessed home financing situations
Non-standard home financing – when a standard bank solution is not enough
We help assess more complex home financing situations involving foreign income, self-employment or business income, insufficient standard down payment or a need for an individual financing structure.
Individual assessment
a solution based on the actual client situation
Throughout Lithuania
in-person and remote consultations
Independent
credit intermediary
Who we can help
When the home financing situation does not fit a standard scenario
We create the most value when a financing situation needs to be explained, supported with documents and presented properly to financial institutions.
Each case is assessed individually based on income source, stability, existing liabilities, available or planned collateral, financing purpose and other criteria assessed by financial institutions.
Self-employment and business income
We help structure financing when income comes from self-employment, a business or several different sources.
Non-standard down payment
We assess situations where a missing portion of the down payment may potentially be addressed with additional collateral or another property.
Common situations
When is non-standard home financing worth considering?
Not every situation fits the same bank assessment model, so the right financing structure matters.
Income from abroad
Assessment of financing opportunities when working or receiving income outside Lithuania.
Self-employment
Financing assessment when income comes from individual activity or other forms of self-employment.
Business-owner income
Situations where income is related to company activity, dividends, management remuneration or other sources.
Additional property as collateral
Assessment of whether another property may support the financing structure instead of part of a standard down payment.
Construction or unfinished property
Financing structures for construction, unfinished housing, fit-out or several project stages.
Refinancing
Assessment of opportunities to change existing home financing, term, repayments or financing provider.
Important to know
A non-standard situation does not mean automatic financing
The final decision is always made by the financial institution, but a properly structured case may make the real options easier to assess.
Stability matters
Financial institutions assess not only the amount of income but also its source, continuity, currency, activity history and documented stability.
Additional property may be assessed
When a standard down payment is insufficient, another suitable property or additional security may be assessed in certain situations.
Total financial burden is assessed
Existing loans, leasing agreements, credit cards, guarantees and other financial liabilities are taken into account.
There is no one solution for everyone
Financing options depend on the client’s circumstances, property, income, financing amount and the selected financial institution.
General responsible lending requirements also apply to non-standard situations. A financial institution may apply additional conditions, require more own funds or use other risk assessment criteria.
Bank of Lithuania informationProcess
How do we assess a non-standard home financing situation?
First we understand the issue, then we prepare a suitable financing structure and only then approach financing providers.
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1
We understand the situation
We discuss income, liabilities, available property, down payment and the planned financing amount.
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2
We assess the options
We analyze what financing structure may be realistic and what documents will be required.
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3
We prepare documents
We help substantiate income, continuity of activity, property value and other information important to financial institutions.
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4
We approach financing providers
Based on the client’s situation, we approach suitable financial institutions and coordinate the financing process.
Preparation
What documents may be required?
The exact list depends on the income source, country, type of activity, property and selected financial institution.
Get a Tailored Document List
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Identity and family-status documents
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Information supporting income and its continuity
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Self-employment or company financial documents
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Information about existing financial liabilities
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Documents for the property being purchased or additionally pledged
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Property valuation, construction or other project documents
Official status
Independent home credit intermediary
UAB “Paskolų brokeris” is included in the Bank of Lithuania’s public list of independent credit intermediaries.
Frequently asked questions
What should you know about non-standard home financing?
The most accurate answer depends on the specific situation, so we first assess income, property and the financing need.
Ask a QuestionCan you help if I receive income from abroad?
Yes. We assess situations where a client works or receives income abroad. Options depend on the country, currency, type of employment or activity and income stability.
Is financing possible for self-employed clients?
Yes, but such income is usually assessed based on activity history, declared income, profitability and other financial indicators.
What if I do not have the full standard down payment?
In some situations, additional real estate collateral or another financing structure may be assessed. Suitability depends on the specific property and financial institution.
Can you guarantee financing approval?
No. The final decision is always made by the financial institution. Our role is to assess the situation, prepare documents and help identify a realistic financing route.
Is your situation non-standard?
Let’s assess realistic home financing options
Briefly describe your income source, available down payment or additional property and the planned financing amount. We will contact you to discuss possible solutions.