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Car Finance for returning UK citizens

cdds2023
cdds2023 Posts: 1 Newbie
in Loans
I have been trawling the internet contacting Car Finance Companies. Can't find a product to suit our circumstances. UK citizens returning to the UK after 24 months away. Have a UK address/bank account/credit cards etc.  No UK earned income in this time, only overseas income which has been used to pay UK mortgage and all other associated UK costs. So we are unable to show 3 years consecutive UK income. One person will start earning in the UK upon return, the other income is from overseas. 
Does anyone know of a suitable finance product/loan/car lease company we can approach?
Thanks in advance. 

Comments

  • DullGreyGuy
    DullGreyGuy Posts: 18,613 Forumite
    10,000 Posts Second Anniversary Name Dropper
    Does it have to be tied finance? Could you look at a personal loan instead? That may open up both your current UK bank and overseas bank
  • MrFrugalFever
    MrFrugalFever Posts: 1,301 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Generally not, Alphera FS are quite flexible with this so might be worth approaching them
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £55,050)
    Creation FS Retail Account x 1
    Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £137,707.00 (Payment 13/360)
    Total Debt = £7,400 (0%APR) @ £100pm - Stoozing

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