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Foreign currency ex pat mortgage rules from next month

Written by Sam Jones on Thursday, 11 February 2016 09:00.

From March 21st, borrowers overseas buying UK property will have new rights to change their loan if there are major foreign currency fluctuations. In essence this gives customers the opportunity to switch their loan to/from Sterling if exchange rates fluctuate more than 20 per cent.

Expats, Mortgages and Foreign Currency

Written by Sam Jones on Wednesday, 07 October 2015 09:00.

We note Skipton Building Society has become the latest lender to stop lending in foreign currencies.

The bank’s policy applies from October 1 and follows moves by Nationwide and Lloyds Banking Group and could prove devastating for expats earning their wages in foreign currencies.

Lenders free up lending to focus on safer interest-only loans

Written by Sam Jones on Friday, 02 October 2015 09:00.

We note the trend of lenders reducing the number of interest-only mortgage loans they have on their books.

In 2012 lenders had 2.5 million mortgages that were interest-only but that figure dropped by 25 per cent by the end of 2014 to under 2 million.

The return of bonus income mortgages?

Written by Sam Jones on Wednesday, 30 September 2015 09:00.

We are pleased to see the return of flexibility to mortgages after years of rigid processes after the financial crash.

Since April last year, lenders have been dealing with the fallout from the biggest piece of mortgage regulation ever introduced in this country.

Could interest rates be cut even further?

Written by Sam Jones on Friday, 25 September 2015 09:00.

We note with interest that the Bank of England openly considering whether it should cut interest rates even further than 0.5%.

For years the speculation has been one way on when the Bank will eventually return rates to “normal” levels and increase from the rock bottom.

Getting a mortgage in the military

Written by Sam Jones on Wednesday, 23 September 2015 09:00.

We understand the difficulties in working in the military, often overseas and then trying to get a mortgage back home.

The fact is that many lenders processes are not set up to deal with armed forces living in many different places and abroad.

The shifting rules of buy to let

Written by Sam Jones on Tuesday, 18 August 2015 09:00.

We are pleased to see such strong growth in the UK buy-to-let market in recent years, which is great news for landlords.

Many small landlords have seen strong rental income with fewer so-called void months – when the house lays empty without a tenant.

Expat landlords shrug off Budget changes

Written by Sam Jones on Thursday, 30 July 2015 09:00.

With the UK property market remaining robust it is good to see so many expats looking to invest in the property market.

House price growth has been steady in the south-east and London while growing stronger in the rest of the country too.

Mortgage Strategy Wired Presents… Undeserved Borrowers

Written by Alice Owen on Wednesday, 24 June 2015 09:00.

The tightening criterion for mortgage lenders following the publication of 2012’s Mortgage Market Review has certainly hit some applicants hard.

In particular, these changes have affected the availability of mortgages for the self-employed and older borrowers.

How can I get a second home mortgage?

Written by Sam Jones on Wednesday, 24 June 2015 08:00.

We are delighted to see so many Britons buying second homes for holidays, work or perhaps their retirement.

These are homes not used as rental properties but for those who have enough spare capital to purchase a second property of their own.