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Get a Mortgage When Returning to the UK

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Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: June 20, 2022

Getting a mortgage if you’ve just returned to the UK or are planning to return from abroad can be tricky, as most lenders find it hard / impossible to track your credit history, especially if you’ve travelled round. Having little or no address history is either a flat decline with many lenders, or at best a real hindrance to your credit score which makes it hard to find finance full stop.

Fortunately, there are a handful of lenders who consider such applications, some even at competitive high street rates. The general criteria (at the time of writing and subject to change):

  • Living outside the UK and not yet returned as an expat
  • Only just returned to the UK
  • Mortgage when back in the country 3 months
  • Mortgage when back in the country 6 months
  • Mortgage when back in the country 12 months
  • Minimum 5% deposit, but the more the better as it helps with credit score
  • Full time employment or retirement income – day one self employed are not acceptable, neither is overseas self employed income as lenders don’t accept this. There must be a minimum of 12 months self-employment and 12 months in the UK if self employed.
  • Clean credit history for the past 6 years
  • Maximum loan size is 4-5x salary (so if earning 25k then max is 100-125k).

If you fit the criteria above then please make an enquiry and we’ll pass you to the relevant expat mortgage broker. If this isn’t you, then I’m afraid finding a mortgage will be very difficult / impossible, and you’ll need to change your circumstances or wait until you have a longer UK address history of over 12 months.

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About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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