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joint mortgage advice working overseas

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  • joint mortgage advice working overseas

    Hi there,

    Thank you for looking at my post. I am completely new to mortgage system so i was wondering if i could use your expert advice. Me and my wife were planning to buy a property soon with joint mortgage. The problem is she don't have a bank account here in UK as she works overseas and no credit history (She has companys provided bank account). Does tht effect on searching mortgages in the future?

    What if she decides to open one here in UK,or is it ok if we open up joint account? is it ok to have 2 different accounts or one single joint account will give us best chances to get better mortgage deals. how long do we have to wait if we open now?

    Thanking you in advance

  • #2
    Re: joint mortgage advice working overseas

    This will depend upon the status of the company your wife works for and who she banks with; for instance, if she is employed by a company with a UK base of operations paying UK tax, there may be an option available via a UK lender for the mortgage – this will also depend on her nationality and possibly where she’s currently living.

    If you bank with HSBC as a Premier Customer, again there may be options available – but again you’ll need to provide further information concerning the company your wife works for and her status as a non-domicile.

    With some further information around these areas we should be able to give you a firmer idea of the options available.

    Hope this helps!
    Ascot Mortgages
    www.ascotmortgages.co.uk

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