Ninety per cent mortgage for Britons not resident in UK for past three years

Ninety per cent mortgage for Britons not resident in UK for past three years

Area
London E11
Capital Raised
£504K

The Scenario

Ah, romance. (And practicalities.)

Our clients were a couple of UK nationals who had been living and working overseas, but now they were married and wanted to buy a home together in the UK.

Except that one of them would continue to work in the US as a senior manager for a food and drink multinational, living in rented accommodation. While the other was a senior Whitehall civil servant, currently sharing a house with his sister.

On paper they didn’t have fixed addresses, or the three-years’ continuous UK residency many lenders look for.

Plus, finances were stretched (as they nearly always are for a London purchase). They needed a 90% mortgage.

The Solution

We identified a lender who wouldn’t be concerned by the inconsistent UK residency, and presented this purchase as the main marital home for both of them – as it clearly would be.

They did have sufficient credit history in the UK, and met the affordability criteria. So we were able to get them a five-year fix for 2.44% - a good rate for a 90% loan.

Scott Dutfield

Finance Broker

Cardiff

0117 959 5094

Are you looking for a similar type of property finance?

As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you

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Carly Cheeseman

Head of International

Bristol

0117 457 9922

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I have extensive experience securing UK mortgages for clients. Book a free telephone consultation with me at a time to suit you.

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Nick Kerley

Finance Broker

Cardiff

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As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you.

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Louis Levine

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Sam Baker

Finance Broker

Cardiff

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As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you 

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Fergus Allen

Senior Finance Broker

Cardiff

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Are you in a similar situation? I specialise in bridging finance at Clifton Private Finance - I will find you the best funding solution for your property transaction.

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Jacob Phipps

Finance Broker

Bristol

(+44) 0117 959 5094

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I specialize in helping international clients source residential and investment property finance for UK property. Book a free telephone consultation with me at a time to suit you 

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Jack Spillane

Finance Broker

Bristol

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Is your situation similar to this? I specialise in helping clients who need creative development finance solutions, and second-charge mortgages. Give me a call any time and we can set up a detailed discussion of the finance you need. customDatabaseField-8455

Mathew Phillips

Senior Finance Broker

Bristol

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Alex Chambers

Senior Private Client Adviser

Bristol

0117 403 4324

Are you in a similar situation? I am a specialist in residential and investment property finance for UK and international clients at Clifton Private Finance. Please don't hesitate to get in touch for a no-cost discussion of the finance you need.

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Luther Yeates

Senior Finance Broker

Bristol

0117 244 5561

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I have extensive experience finding residential and investment property finance for UK and international clients. Book a free telephone consultation with me at a time to suit you.

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Sam ONeill

Senior Finance Broker

Bristol

0117 959 5094

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I am a bridging finance specialist at Clifton Private Finance. I can find a quick, cost-effective solution for the funding you're looking for. Book a free telephone consultation with me at a time to suit you.

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