Viva Costa International

What Viva Costa International does

Viva Costa International is a privately held UK-based foreign mortgage brokerage, founded around 2004 and operating from Gateshead, England with a team of approximately six. The company arranges overseas mortgages for UK residents seeking to purchase property in six international markets: Spain, France, Portugal, Greece, Italy, and the United States. It works directly with international banks located in the country of purchase rather than routing through UK lenders, positioning itself as a specialist intermediary in cross-border property finance. Services include mortgage decision in principle, maximum borrowing assessment, lender and product selection, paperwork review, and (via a partnership with Smart Currency Exchange) international currency transfer for property purchases, ongoing payments, and rate fixing.

The business model is transactional fee-based: revenue is earned on each mortgage successfully arranged between a UK buyer and a foreign bank. There is no publicly disclosed pricing, fee schedule, or commission rate; prospective clients are directed to the website enquiry form and contacted directly by VCI advisors. Customer acquisition is sales-led and content-driven, relying on regular blog publishing (authored by Mark Nichols) covering property market trends and buying guides across the firm's country footprint, supplemented by referral sources including named partners (Aetas Partners, Cornerstone), LinkedIn, and general recommendations. The firm does not operate apps, APIs, or any proprietary technology platform; its core capability is specialist market knowledge and banker relationships accumulated over 20+ years. Greece was added to the service footprint in 2025, representing the most recent geographic expansion, supported by a dedicated blog series and country page assets.

Name

Viva Costa International

Legal name

Viva Costa International

Website

https://vivacostainternational.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Viva Costa International is a UK-based specialist foreign mortgage broker, arranging overseas property mortgages for UK residents in Spain, France, Portugal, Greece, Italy, and the USA, working directly with international banks and earning transaction fees on each deal.

Ownership category

akta.pro rank

Product category

Overseas Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Overseas mortgage brokerage
• Foreign property finance
• International mortgage broking
• Cross-border lending
• Expat property finance

Headquarters

HQ city

Gateshead, England

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Overseas Mortgage Brokerage: Viva Costa International acts as an intermediary between buyers seeking overseas property finance and international banks. They arrange mortgages in Spain, France, Portugal, Greece, Italy, and the USA. The company earns revenue by facilitating mortgage transactions between buyers and international lending institutions. They also provide related services including mortgage decision in principle, maximum borrowing assessment, and paperwork review support.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Viva Costa International is a UK-based foreign mortgage broker that arranges overseas mortgages for UK residents purchasing property abroad. The company works directly with international banks in Spain, France, Portugal, Greece, Italy, and the USA to secure mortgage finance, providing decision in principle, maximum borrowing assessment, lender access, and product selection. It also refers clients to a currency exchange partner for international money transfers related to property purchases.

Product overview

Viva Costa International operates as a mortgage brokerage firm offering two interconnected services: overseas mortgage arrangement across six countries (Spain, France, Portugal, Greece, Italy, USA) and currency exchange referral through Smart Currency Exchange. The company has over 20 years of experience arranging foreign mortgages, working directly with international banks in the countries where clients purchase property. Their services are designed to help buyers navigate the complexity of obtaining financing for overseas property purchases.

Differentiator

Problem solved

Functional benefit

Products and services

• Overseas Mortgages Foreign mortgage brokerage service that facilitates property purchases for UK residents in Spain, France, Portugal, Greece, Italy, and the USA. The service includes mortgage decision in principle, assessment of maximum borrowing availability, access to international banks in the purchasing country, and assistance with lender selection and product comparison.
• Currency Exchange Referral Service

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Smart Currency ExchangecoreGTM or Marketing PartnerSmart Currency Exchange is a currency exchange specialist partner that provides international currency transfer services to Viva Costa International clients. The partnership enables VCI to offer clients currency exchange rates up to 4% better than banks, with no charges, fees, or commission. Smart Currency provides expert planning with dedicated currency traders and is FCA authorised. Services include regular payments plans and the ability to fix exchange rates for 12 months.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Market position

Strengths4 records

Competitive moat2 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/viva-costa-international-mortgages-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Viva Costa International