Returning Expat Secures £950k UK Mortgage on £1.45m Purchase Using Foreign Currency Income
A senior finance professional returning from Singapore secured a £950k UK mortgage on a £1.45m London apartment using overseas USD income. This case study explains how foreign currency income was assessed ahead of UK relocation.
Returning Expat With USD Salary Secures £1.6m Purchase At 65%
Returning British expat paid in USD, thin UK credit, and a 60-day deadline. We secured a lender that accepts foreign income with a haircut, used a US credit report, and ran a pre-arrival application—agreeing the mortgage at 65% LTV on a £1.6m home.
Returning Expat Buys UK Home with £800k Mortgage
A UK expat returning from Dubai secured an £800k mortgage using their UK employment contract. By avoiding the need to rent first, they moved straight into their new home — making their transition back to the UK smooth and stress-free.
UK Expat Avoids Standard Variable Rate with Simple Product Switch
A UK national working in Saudi Arabia was about to roll onto his lender’s standard variable rate (a much higher default rate after a fixed deal ends). We secured a new 1-year fix with his current lender just in time, saving money and locking in certainty while he remained overseas.
Italian CTO of Multinational Firm Living Between Zurich and London
An Italian CTO earning in Swiss francs and living between Zurich and London needed to refinance his UK home. We secured a competitive high street mortgage using 100% of his foreign income—overcoming currency and age-related challenges to replace an inflexible international loan with a cost-effective long-term solution.