We're ex-pat's in US returning this year. Can we get a mortgage?

Posted on 10 February 2014 by Lewis

We're ex-pat's in US returning this year. Can we get a mortgage?

I have worked in America for the past two years and I get paid into a US bank account. I am working for a UK based company. I plan to return later in the year and buy a house with my girlfriend. We are both UK citizens. I have maintained an address in the UK and also have a UK bank although it doesn't see my wages. We have a deposit of 25% ( at least ). I have no credit in the UK and She has good credit. Would it be possible for us to get a mortgage?


On the face of it, I can't see we shouldn't be able to get you a mortgage, however there are a few areas that might make it a little more tricky. It's almost certain that your situation as a returning Ex-Pat will rule you out with the major high street lenders, however we will still have options for you.

Will you be staying with your current company and just transferring back to the UK? If 'yes' then this will give us more options. It would also be useful to know if you will be paid in sterling and subject to UK tax ? Are you looking to buy the property prior to your return, or once you are back in the UK?

This is more likely to be something that we would to approach a semi / manual lender to see if they would help, as they don't base everything on a credit score.

If you'd like to have an initial chat about your options, then please contact one of our mortgage experts on 0844 3463 706 who would be happy to assist you.



More than mortgages, talk to me about:
Financial Protection | Investments | Personal and Corporate Pensions | Home Insurance
General Insurance | Valuations | Conveyancing | Wills | Home finders

Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.

You are currently offline. Some pages or content may fail to load.