• expat mortgage faq

    Expat mortgage FAQ

    Expat mortgages frequently asked questions

Expat mortgages FAQ.

We've included answers to the most commonly asked questions below.

If you have any other queries we'd be happy to help. We aim to respond to all enquiries promptly and efficiently.

It normally takes between 4 and 6 weeks from mortgage application to mortgage offer. During this time the lender will check your employment status, identification and source of funds for deposit. The lender will also need to carry out a valuation of the property for lending purposes.

You will need a certified copy of your passport, 3 to 6 months bank statements and 3 to 6 months payslips. Most lenders will also need a P60 equivalent or a letter from your employer confirming your remuneration package and contract details. Some lenders may also need a permit of residence.

No. It is not nescessary to return to the UK to complete the mortgage application. All paperwork can be signed and sent via courier and by using our secure email system.

Yes, although this may increase your costs as most lenders will still require a basic valuation using their own surveyor.

Broker and Lender fees are payable once the full application has been submitted and has been formally approved in principle.

The mortgage offer will contain certain terms and conditions and will normally have a time limit attached to it.

Some lenders are flexible once the mortgage offer has been released and in many cases it may be possible to extend the offer period.

This is particularly useful if there has been a delay with the purchase for any reason and avoids having to re-apply.

Mortgage offers are normally valid for 2 to 3 months depending on the lender.

If your application is successful, and the property valuation is satisfactory, the mortgage lender will send you a formal letter which contains the mortgage offer.

The document will contain the exact figure the lender is willing to advance, taking into account your financial background and the property's market value.

Once you have the mortgage offer your solicitor will be able to proceed knowing that the funds for the purchase have been secured.

Although it is generally not compulsory that you have life cover, it is normally recommended.

Subject to certain checks, lenders may accept online documents such as statements to include your name, address, account number etc.

Sometimes they will ask that these are certified or you obtain original copies from your bank. As for online payslips, these are generally accepted subject to a follow letter from your employer and copy of your employment contract.

Please speak with your solicitor about this, but generally when purchasing a property the funds must be with the Solicitor in time for exchange of contracts.

You can normally add the lenders arrangement fees, but the other associated fees such as valuation fee will need to be paid during the application process. Please note that any fees added to the mortgage will attract interest.


Changes in the exchange rate may increase the sterling equivalent of your debt

The FCA does not regulate estate agents and surveyors

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