Mortgage after living abroad

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beckysheffield
beckysheffield Posts: 328 Forumite
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in Mortgages & endowments
I have been living abroad for a number of years and Want to apply for a mortgage.

I have enough money for a deposit, just no job. Will this be an issue?

Also will they request my overseas bank statements?

I can provide tax returns I'm just not willing to give bank statements as they are quite messy.

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  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
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    beckysheffield wrote: »
    I have enough money for a deposit, just no job. Will this be an issue?

    Unfortunately it will. Times have changed since you left. You need to reestablish yourself first. Before thinking about applying for a mortgage.
  • amnblog
    amnblog Posts: 12,445 Forumite
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    No provable income - no mortgage.
    I am a Mortgage Broker

    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • macman
    macman Posts: 53,098 Forumite
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    How exactly were you planning to service the mortgage without a job, unless you have a private income?
    No lender is interested in what you used to earn, here or abroad. What they want to know is how you plan on making the repayments for the next 25 years or so.
    No free lunch, and no free laptop ;)
  • beckysheffield
    beckysheffield Posts: 328 Forumite
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    I want to rent the house out and live somewhere else.... or I have savings... or I will eventually get a job.
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