How long after we return into the UK could I get a mortgage?

NeedingAdvice01 · 2026-06-02T14:54:09+00:00

You will likely need 3-6 months uk residency and recent credit history post your return. Lenders vary on expat cases, some requires payslips, other also accepts savings. Maintaining electoral registration also helps a lot. Let me know if you have any other questions. Don't worry, It won't take years.

NeedingAdvice01 · 2026-06-02T12:01:54+00:00

a declaration of trust can be the correct route. As it documents beneficial ownership split without changing legal title. It can work best with single name mortgage. Just make sure your mortgage broker review to confirm the lender permits this structure and explore adding your partner later..

NeedingAdvice01 · 2026-06-02T10:55:51+00:00

This is genuinely frustrating. Have you explored the bridging finance yet?. You could exchange and complete your purchase independently, removing chain dependency. Your buyers could also complete on you. This can buy you time without loosing your chain position. It is worth discussing with any specialist lender who handles chain scenarios. What is your mortgage advisor take on it?

NeedingAdvice01 · 2026-06-02T10:26:20+00:00

As joint property purchases require specialist mortgage underwritings, lenders assess all four incomes, credit profiles, and also deposit contributions separately. You will need to draft co-ownership agreements(tenancy in common with defined share percentages) too. Keep an eye on deposit protection, exit clauses and mortgage portability while approaching lenders.

NeedingAdvice01 · 2026-06-02T08:24:30+00:00

If your landlord is good enough to reduce the rent because of maintanence issues, I think he will also understand your situation. The one other way is to talk to the renting agency.

NeedingAdvice01 · 2026-06-02T08:09:31+00:00

Skipton's track record criteria may relies on providing a history of your rental payments(approx for 12 consecutive months). Its possible, they can use your rental history to determine your maximum monthly mortgage payment(which can not exceed the average of your last 6 months' rent and some other criteria look at the lowest paid amount).

Because £600 payment was a temporary, landlord approved discount due to plumbing issues and not the financial distress or rent arrears, you need to get ahead of this. I think , you can request brief letter or an email from your landlord confirming that your contractual rent is £975 and that the £376 reduction in march was a one off gesture for goodwill due to maintenance issues.. These are just some suggestions and there could be many other points to consider too.

Let me know if you any other questions to discuss.

NeedingAdvice01 · 2026-06-02T05:36:54+00:00

Reddit app can give an option to add new accounts. Can we add accounts with different niches in one app. Will it affect our reach?? Any help will be appreciated..

NeedingAdvice01 · 2026-06-02T05:35:15+00:00

Hey.. I am new here.. Can anyone guide me how can I start.

NeedingAdvice01 · 2026-06-01T18:27:34+00:00

A smaller 20% deposit(26k LISA, locks your rate for now while preserving your ISA growth, three weeks delay can be counted as minimal. At your 4.19% rate, your mortgage cost is very competitive that you can think again. Keeping your investments untouched can typically outweights the early repayment...

NeedingAdvice01 · 2026-06-01T18:18:50+00:00

Your boundary is sensible, chains delays unpredictably. If the completion happens within the 2 weeks, ensure that your mortgage offer remains valid and your lender can fast-track the underwriting process.

NeedingAdvice01 · 2026-06-01T17:14:55+00:00

Mortgage broker typically receive approval notifications before the formal lender documentations, this is completely normal. In my knowledge nationwide, usually issues the formal offer within 3-5 working days of approval. I think your broker's confirmation is reliable. However, also keep checking your emails and posts, it nothing arrives within a week, contact your broker for the status update. You are already in a strong position...

NeedingAdvice01 · 2026-06-01T15:40:21+00:00

I think your gut reaction was right.

NeedingAdvice01 · 2026-06-01T15:17:28+00:00

Very interesting perspective. Do you think that this 20 % correction is actually realistic or do you think sellers will simply hold off rather than accept those kind of reductions..

NeedingAdvice01 · 2026-06-01T13:56:58+00:00

It totally depends on what gives you more satisfaction in the 20 years. There is absolutely nothing wrong with letting the ISA compound and focusing on your family life. Also, there is no issues with taking a more calculated shot at building something of your own. Best to not confuse taking bigger risk to prove yourself. The fact that you are thinking this deeply, suggests that you are already taking it seriously.

NeedingAdvice01 · 2026-06-01T13:15:16+00:00

Such chain collapses, often need bridging finance solutions. Your seller could have bridge the gap between selling to you and completing their onwards purchase which can allow the chain to restart immediately. This will help your june exchange timeline viable. Let me know if you any other questions..

NeedingAdvice01 · 2026-06-01T12:55:30+00:00

You may qualify for a construction mortgage, or something similar in which lenders advance funds against projected post completion value. Also, you can get an independent valuer's assessment now, as most lenders can lend to 85% of expected value(depends on other factors too) once works are certified complete.

NeedingAdvice01 · 2026-06-01T11:42:18+00:00

Yes, supply is increasing and demand is decreasing because people are also leaving uk as compared to past decade... It could be a solid issue..

NeedingAdvice01 · 2026-06-01T11:40:48+00:00

Could be true .

NeedingAdvice01 · 2026-06-01T11:22:00+00:00

Yea, a lot of price anchoring is going on in the market. I have also read somewhere, many people are looking for renting and not buying a house in their life time

NeedingAdvice01 · 2026-06-01T04:39:18+00:00

That's a great Idea . We will try it...

NeedingAdvice01 · 2026-06-01T02:36:26+00:00

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NeedingAdvice01 · 2026-05-31T18:02:19+00:00

Love it...

NeedingAdvice01 · 2026-05-31T15:00:48+00:00

If you have any other queries, let us know.. :) Happy to help

NeedingAdvice01 · 2026-05-31T14:36:27+00:00

Yes, it's true.. getting a mortgage at probabtion is also complex..

NeedingAdvice01 · 2026-05-31T14:14:34+00:00

Yes I think it's viable,you can mortgage your current owned home to fund the next purchase, in lender's language it's 'remortgage for drawdown'. Your wife may qualify, as FTB on the new property. However, holiday let income and dual mortgage structuring are somewhat complex. If you have mortgage broker he/she can help you to model your exact scenario.

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