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Can a non UK Resident with earning in foreign currency get a UK mortgage?

Q: I am looking for a mortgage broker that can assist me & my partner in getting a mortgage. My partner is a non UK resident who works overseas and is paid in foreign currency. I am an employed UK resident. We have a good level of combined salary and a deposit. I would be grateful if you could please let me know if this is going to be something that you are able to help us with?

A: It may be possible to secure the finance required depending on your current circumstances. I unders…

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Can a non UK Resident with earning in foreign currency get a UK mortgage?

Q: I am looking for a mortgage broker that can assist me & my partner in getting a mortgage. My partner is a non UK resident who works overseas and is paid in foreign currency. I am an employed UK resident. We have a good level of combined salary and a deposit. I would be grateful if you could please let me know if this is going to be something that you are able to help us with?

A: It may be possible to secure the finance required depending on your current circumstances. I unders…

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Can I remortgage to raise funds for property development and to start my own business?

Q: I have an interest only mortgage and owe £213,000.00 with equity of £100,000.00. I would like to remortgage with an additional loan of £70,000.00 for property development and to start a business. What can you do?

A: On the presumption you have an interest only mortgage for £213,000 on your main residence, which i…

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Is it possible to get a buy to let mortgage without proof of earnings?

Q: Is it possible to get a mortgage without proof of earnings as I need to buy my brother’s share of our late mother’s bungalow? I would need to borrow about £120,000. The bungalow has been valued at £250,000. The property would then be rented out. I also

A: It is possible to get a buy to let mortgage without proof of earnings, dependent on your circumstan…

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Will Banks accept dividends and low salary for mortgage purposes?

Q: Myself and husband are sole owners of my company. Me 75% share holder. I take the minimum dividends to keep personal tax low. I have a property which I am selling at £800,000 and I wish to buy another at £1,1950,00. I have a mortgage at £315,000. The co

A: From the information you provided it appears that although the company makes a net profit of £120,…

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Can I get an interest only mortgage?

Q: Hi, I have a property in London with about 25% equity (£110K). I want to keep it and move to Yorkshire. I need a mortgage on interest only (as I am in sales and 6 monthly bonuses) for £666K on property valued at £895K but purchase price agreed is £835K w

A: It may be possible to achieve this depending on your circumstances and those of the property. Gener…

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Is it possible to find a mortgage product which includes rental income?

Q: Is it possible to find a mortgage product which includes rental income?

A: I assume you are referring to affordability for a mortgage on your main residence, but would like r…

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Is it possible to switch mortgage half way through a five year fixed?

Q: We are currently half way through a fixed 5 year Vendor Gifted Deposit mortagage from the Halifax. Our House buy went through at 77,000 however are mortgage was for 69,000 as 10% was recognised as our deposit by the bank. After the fixed 5 years at 7.45%

A: To answer your question, yes it could be possible for you to remortgage away from the Halifax onto …

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Can I re-mortgage with a high loan to value?

Q: I have a 2 bed lower ground floor flat in SW7 (South Kensington). Value approx £700,000. Outstanding mortgage approx £540,000. Current interest rate 5.0%. I wanted to remortgage if there is any better rate. I would like to borrow £570,000. I have a clean

A: If you need to borrow £570,000 on the rental property, it wouldn’t be possible because the amoun…

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I have five flats in a residential development and I want to re-mortgage?

Q: I have five flats in a residential development. The five flats generate rental income approx £105,000 per annum. With no agent fees. The value is £2,300,000 We have a interest only mortgage of £1,060’000 tracker at 1.8% above libor. We also have a house

A: As for your let properties mortgages with lender, 1.80% over LIBOR is a very good rate, so unless y…

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I am looking for a 65% mortgage on a property worth £995K?

Q: I am looking for a 65% mortgage on a property worth £995K and I need to proceed quickly. I am self employed with an asset of £3m with a current debt of £1.1m.The net profit last year was £93k (£117k excluding depreciation of £24k). Can you assist with th

A: Thanks for your query. Generally speaking, we’re looking at high street mortgage lenders for this…

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I have a £400k deposit and want to borrow £1.2 – 1.3m, is this possible?

Q: I have a £400k deposit and want to borrow £1.2 – 1.3m, is this possible?

A: Yes, if you’re putting £400,000 deposit into a purchase for £1,300,000, then it comprises a dep…

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Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home.  

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