Category: Foreign National Mortgages
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Case Study: Long-Term Mortgage Solution for First-Time Buyers
Introduction We recently helped two first-time buyers arrange a mortgage application to purchase a leasehold flat in Blackwater, near Camberley. Our customers had moved to the UK relatively recently and needed a lender that could consider their residency history and visa status. Their employment income also required careful assessment to establish how much they could… Read more
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Case Study: JBSP Mortgage in Essex with Spousal Visa Challenge
Introduction We recently helped three first-time buyers arrange a mortgage application to purchase a property in Ilford, Essex, with a 5% deposit. The main challenge was finding a lender willing to consider a 95% loan-to-value mortgage involving three applicants, one of whom held a spousal visa. Another applicant had also recently changed employment, adding a… Read more
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How Do Credit Cards Affect a Mortgage Application?
Can Credit Card Debt Stop You Getting a Mortgage? Credit cards can affect a mortgage application, but having a credit card does not automatically stop you from getting a mortgage. Lenders are usually more interested in how you use the card, how much you owe, whether payments have been made on time, and whether the… Read more
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Hong Kong National Purchasing a Home in the UK
Buying a Home in the UK as a Hong Kong National: A Complete Guide If you are a Hong Kong national looking to purchase property, you may be considering the mortgage options available and what the process entails. The introduction of the British National Overseas (BNO) visa has made it easier for Hong Kong buyers… Read more
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Case Study: Helping a Young Couple Buy Their First UK Home
Introduction We recently helped our customers secure a residential mortgage to purchase a property in Oldham, Greater Manchester, after their previous mortgage application had been declined by a high street lender. Both customers were employed professionals who had recently relocated to the UK. Despite having stable employment, strong incomes and a substantial deposit, their limited… Read more
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Mortgage on a Tier 2 Visa
Getting a Mortgage on a Tier 2 Visa: What You Need to Know Securing a mortgage can be a complex process for anyone, but it can feel even more challenging if you’re living in the UK on a Tier 2 Visa. Whether you’re here for a new job opportunity or planning to settle down, you… Read more
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Mortgages for Foreign Nationals in the UK
How Foreign Nationals Can Secure Mortgages in the UK At Kerr & Watson, we help overseas applicants and foreign nationals understand which UK mortgage lenders may consider their residency status, visa, income and deposit. Why Invest in the UK Property Market? The UK, and London in particular, remains a magnet for international property investors. The… Read more
