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Advice please - mortgage for holder of spouse visa with only 5 months remaining
scotkat
Posts: 394 Forumite
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I sympathize with you, There's no way to renew earlier?"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP0 -
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Apparently not - I spoke to the Home Office and they advised my husband could apply only 4 weeks before his current visa expires - so mid August.
That's a shame, I was in a similar position, only not buying a house. The visa came back within 6 months of applying. So the delay will for you will be large in terms of buying a house.
The Indefinite Leave visa, omg that took nearly 13 months to come back. Make sure you get a fast track application.
Will lenders accept you alone, I presume you don't earn enough to cover the mortgage on paper?"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP0 -
Unfortunately I don't work!0
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I know, I'm just impatient and worried and was hoping for some success stories
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There's at least one lender who will do this as he's been working here more than three years.
I assume it's above 75% as at or below that, Santander don't take any interest in visa length.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Thanks kingstreet, that's really reassuring to read. Yes, the LTV rate was 85%.0
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Can you raise an extra 10% deposit from anywhere0
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Probably not - could possibly go to 80% at a push.0
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