Mortgage for a spouse visa holder with 5-10% deposit

ybeltrikov

My wife is British and I am in the UK on spouse visa which is due for renewal in April 2018.
We are already talking with a couple of mortgage advisors but maybe forum members can recommend a mortgage advisor who is experienced in this kind of mortgages (not sure if they have such specialisations).
We both are employed full-time and most of our savings are in out bank accounts. Do you know if any bank offer mortgages for spouse visa holders with 5-10% deposit?
Thank you

ACG

As far as I am aware, there is only one or possibly 2 high street lenders who would consider it.

See what your broker(s) come back with but I suspect they will probably all come back with more or less the same deal(s), due to the limited amount of options.

ybeltrikov

Who are these lenders? Is it worth contacting them directly?

ACG

Im not allowed to name lenders. I would say you are probably best leaving it to the brokers and just stick with one of them when the time comes. The last thing you want is 2 people doing the same job.

ap1985

I would suggest speaking to London and Country mortgage brokers. They did our mortgage for us in the same scenario and we are now home owners.

ACG

Nothing again L&C personally (although they did have to make 2 applications for a client of theirs who was buying a house I was selling), reviews on this site from posters on here are hit and miss, some rave about them, others are the opposite.