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Ask an Expert Can I get a mortgage if I have lived out of the UK for many years?

Can I get a mortgage if I have lived out of the UK for many years?

Q: Can I get mortgage if out of UK for many years? 40% deposit, need 1.5m.

A:

Yes, it is possible to obtain a mortgage for a UK property even if you have been out of the UK for a number of years. Depending on how much deposit you have, and the loan amount, we can approach private banks and offshore lenders, who will take a view on applicants who might not have a recent credit history in the UK. Because you are looking to borrow £1,500,000 and you can put down a deposit of 40% of the property value, we can approach these banks who will consider your application. You may need to provide more to support your application because they cannot perform electronic credit checks, such as 12 months of bank statements, or perhaps a reference from where you bank abroad. Contact us for further details on 020 7519 4900

These questions are for information purposes only and do not contain all the details you need to choose a mortgage, ask one of our advisers for a personalised key facts illustration
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This Month’s Top Fixed Rate

Fixed rate
Initial rate: 1.35%

Period: 2 years

Rate will revert to a variable rate, currently 4.99% thereafter
The overall cost for comparison is 4.46%

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This Month’s Top Variable Rate

Variable rate
Initial rate: 0.97%

Period: 2 years

Rate will revert to a variable rate, currently 4.99% thereafter
The overall cost for comparison is 4.37%

Get This Rate

Some of this month's top interest rates are listed above; the actual rate will depend on your circumstances. Please note that this information does not contain all the details you need to choose a mortgage, ask one of our advisers for a personalised key facts illustration on 020 7519 4900. The rate displayed may become out of date at short notice.

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