mortgages for foreign nationals

btkakisim

Hi everyone, I would like to take your opinion before our first time mortgage application. We would like to buy our first house in Edinburgh. My husband is Dutch National and I'm Turkish. I have residency (EEA1) in UK because my husband is a EU citizen. We have been living in the UK since 08.2011. We are planing to to sell our house in Turkey for the deposit. The house is under my husband's mother's name. She is going to sell for us and send the money. Recently I heard rumours about this situation. Because of political suspects this can be seen as money laundrying. Do you have any suggestion to prevent this situtaion. What to do if you recieve a big sums of gift from overseas? I don't want be in trouble just because we are selling our own house in Turkey. The second question is about diplomatic immunity. I work for a consulate but I am a local employee. I don't carry immunity. The problem is I don't pay income tax in UK. My salary comes from Turkey but it never changes because of the exchange rate. I pay my council tax and all the other taxes like everyone else. I've heard that this can cause a problem as well. Does anyone know about this? And finally do you think that we are eligble after 4,5 years of residency in UK? Thanks in advance.

lovehackney

What does diplomatic immunity (or lack of) have to do with it? (Genuine question)

On face of it, it doesn't look great - not paid in the UK, don't pay tax, deposit coming from overseas, as a gift, and the house isn't yours so you can't evidence that either. And why is it in your husband's mother's name?

Maybe one of the brokers will know more. But you might have to get a mortgage based only on your husbands income.

Thrugelmir

What UK credit history do you have personally? Living here in itself means little.

As far as the UK tax authorities are concerned.

If you work for an Embassy, High Commission or Consulate of a Country which is not an EEA country or Switzerland you are both:

not a UK national
not permanently resident in the UK

btkakisim

The house is under her name because we thought it would be easier for us to someone deals with the selling while we were moving to UK. We can always take it back and give her a power of attorney to deal with estate agents and possible buyers. Do you advice us to go that way? Will it change anything? Our credit score is perfect according to Experian but I don't know if it means anything to anyone.


We want to make it as a joint application since he earns less.


My husband can apply indefinite this August and this means I can apply soon enough as well. Is this something positive for our application. Do you advice us to wait till we get our indefinite or maybe citizenship?