Getting a mortgage a UK Citizen and an Irish Citizen in the UK

oberzine

I'm stuck on where or how to go about getting a mortgage for myself and my partner. 

My partner lives in Ireland and is an Irish national (dual nationality "Philippines")
And I live in Scotland.

We're looking to both move to the south of England where my partner will find a job based in London as a VP accountant, they still currently hold a VP position at a private accountancy firm in Ireland. 

I wont need to find a new job as my HQ is actually based in Brighton, and I currently work remote, so I will likely just ask to move to the office rather than remote. 

My partner currently gets paid in Euros, whereas I get paid in GBP, but our join income before taxes is £100k+.

So with this information in mind I need to find a mortgage broker or advisor (both first time buyers) which will help both of us, but so far the ones I've found only accept UK citizens with at least 3 years of UK address history. 

Hoenir

Relocating and settling into a new job in London is an obvious first step that needs to be made. 

DullGreyGuy

The VP's in accounting that I know of are all £100k+ basic salary on their own so guessing your salaries aren't even? Could one of you afford the mortgage on your own?

I really dont get why the whole "VP" thing is starting to get traction in the UK and especially as even companies that are using the term dont have a "President" for someone to be the VP of. Even in the US the (S)VP's often report to the CFO etc and not the President which equally makes no sense. 

oberzine

Hoenir said:

Relocating and settling into a new job in London is an obvious first step that needs to be made. 

Yeah that's my thought, but maybe it's worth considering we can still get a mortgage first? or is it simply out of reach, until my partner moves to the UK? I assume they don't actually have to be here for 3 years considering they've lived in Ireland for 6+ years? 

DullGreyGuy said:

The VP's in accounting that I know of are all £100k+ basic salary on their own so guessing your salaries aren't even? Could one of you afford the mortgage on your own?

Yeah my partner earns/will earn significantly more than myself, so maybe they can get a mortgage on their own, but how is the question, how can they get a mortgage if they currently reside in Dublin with a Euro income? 
They will get a job once they secure a mortgage/home in the UK with me. 

ACG

Can he not come over to the UK, start a job and you rent for maybe 6 months? Once he has been in the job and got through probationary period that will fix one potential problem, he will be paid in sterling which fixes another problem and is a UK citizen which fixes another. 

You are then just contending with Irish/duel nationality - which is not too difficult to overcome and
less than 3 year address history - which is a bit tricky. 

For the sake of 6 months, I think you will find the whole process a lot easier. You still wont be getting high street rates I dont think. But you should have more options. 

oberzine

ACG said:

Can he not come over to the UK, start a job and you rent for maybe 6 months? Once he has been in the job and got through probationary period that will fix one potential problem, he will be paid in sterling which fixes another problem and is a UK citizen which fixes another. 

You are then just contending with Irish/duel nationality - which is not too difficult to overcome and
less than 3 year address history - which is a bit tricky. 

For the sake of 6 months, I think you will find the whole process a lot easier. You still wont be getting high street rates I dont think. But you should have more options. 

I actually managed to speak to broker finally and they actually suggested the same thing, that my partner (female I'm male) get registered to my address then move in with me once she's got a job secured in the UK. It'll make life a lot easier as you've already suggested too, because then at least she'd be considered settled here in the UK. 

ACG

oberzine said:

ACG said:

Can he not come over to the UK, start a job and you rent for maybe 6 months? Once he has been in the job and got through probationary period that will fix one potential problem, he will be paid in sterling which fixes another problem and is a UK citizen which fixes another. 

You are then just contending with Irish/duel nationality - which is not too difficult to overcome and
less than 3 year address history - which is a bit tricky. 

For the sake of 6 months, I think you will find the whole process a lot easier. You still wont be getting high street rates I dont think. But you should have more options. 

I actually managed to speak to broker finally and they actually suggested the same thing, that my partner (female I'm male) get registered to my address then move in with me once she's got a job secured in the UK. It'll make life a lot easier as you've already suggested too, because then at least she'd be considered settled here in the UK. 

I think its the best way to do it financially. 
But sometimes priorities are sooner rather than later even if it comes at a cost.