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Latest question answered:

Jackie  Fitzgerald
Jackie Fitzgerald

Dear Jackie,

I am a British national moving back to the UK from overseas, where I have been for 13 years. I have no UK bank account but have a permanent address (parent's) there. Here abroad I have had a perfect credit history for the 13 years. I move back in July 2017 (two months from now) and would like to buy as soon as possible.

My question is: will not having a credit history in the UK (but a brilliant one here) be an obstacle to buying 'immediately'? Someone told me I need two years' worth. Are there any ways around it? Can I take my credit history here as evidence? (Would it also help that I paid off a UK student loan of 12000 GBP three years ago in one lump sum?).

With sincere thanks,

Rick

by Rick Kirtland on 01 May 2017 Read Answer
Jackie  Fitzgerald
Jackie Fitzgerald

Hello,
I am a UK citizen, living in Canada for the past 16 years. I am planning on moving back to the UK in April. I have the downpayment for a house and I can obtain written proof of Employment. However, I do not have a history of credit in the UK and have only recently set up a bank account there. Can you advise me on how to go about finding a mortgage? I was told I could possibly get an expat loan with an interest rate of 7.9% but would need to put 20%-25% of the properties value down? I was hoping to qualify for the 1st time home buyers scheme before it ends. Also if I do end up with a higher interest rate providing I can get a loan will I be stuck with that rate for the duration of my amortisation?

Thank you in advance, Jane

by Jane on 17 Feb 2017 Read Answer
Jackie  Fitzgerald
Jackie Fitzgerald

Hi Jackie,

I am a resident indian. Currently staying in India. I wish to purchase a house in the UK for Investment purpose. How should i go about it??

by Bipin Mishra on 12 Oct 2016 Read Answer
Jackie  Fitzgerald
Jackie Fitzgerald

My husband and I are UK citizens living in Canada. We are planning to retire to the UK this summer. I am planning to go to the UK to look for a house. I do not need a mortgage but what sort of deposit will I need and how long should I plan to be in the UK after I make an offer and have it accepted

by Eileen Murgatroyd on 28 Mar 2016 Read Answer
Jackie  Fitzgerald
Jackie Fitzgerald

Hello Jackie,

I am Randall from the USA. I had a question about purchasing a home in the UK. My wife is an EU citizen and I'm applying for an EEA family permit in the UK so I can legally live in the UK. How would I go about getting a mortgage to purchase a shared ownership home in Leeds? I was told I needed to have a bank account there and build my credit for 3 years before it can be done. Any information you could provide about how I would obtain a mortgage for a home would be greatly appreciated.

by Randall on 16 Jan 2016 Read Answer
Jackie  Fitzgerald
Jackie Fitzgerald

Hi Jackie,
I am Kamal. My son is planning to study in the UK after 3 years. I am planning to purchase a students' accommodation for both his studies purpose and for investment in the future.
We are Moroccans and we are living in the UAE. I have been working here for the last 24 years. my questions:
Any restrictions for Moroccans?
Do you have any guide for these sort of accommodations?
Thanks

by Kamal Ben on 18 Jul 2015 Read Answer
Jackie  Fitzgerald
Jackie Fitzgerald

I am a Palestinian engineer working in Saudi Arabia and am considering buying a house in the UK as a holiday destination and / or an investment. Is there any limitation that may stop my purchasing a property i.e. is there any qualifying period of residency or can I buy one while having only a visitors visa?

by suleiman Tallaa on 01 Jun 2015 Read Answer
Jackie  Fitzgerald
Jackie Fitzgerald

Hi Jackie,
I am UK resident since 6 months. I am italian and I lived in Dubai last year for 10 months.
I read that I need to stay here 3 years before buying a house. Is it true or I can do it before?
Thanks.

by Debora on 18 Jul 2014 Read Answer
Jackie  Fitzgerald
Jackie Fitzgerald

Hi Jackie Fitzgerald,
I and my partners are trading in Dubai as well.
In this regards, one of our clients has asked of us to get some right data about buying a flat in UK.
I am searching to this purpose, and happy to hear from you with full and right data.
The question is very simple: Can a foreigner buy a flat in the UK, without being a resident?
Regards, Nabovati

by nabovati on 03 Jul 2014 Read Answer

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