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Mortgage in the UK as an Irish man

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  • 30-09-2015 5:49pm
    #1
    manutd83
    Registered Users Posts: 324 ✭✭


    Ok so here it is,I moved to the UK about 18months ago,is there anybody that has moved here and gotten a mortgage fairly quickly,is there a minimum time when its allowed,have an appointment coming up with a mortgage advisor but would be good to know in advance,


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    #2
    Barely Hedged
    Closed Accounts Posts: 992 ✭✭✭Barely Hedged


    manutd83 wrote: »
    Ok so here it is,I moved to the UK about 18months ago,is there anybody that has moved here and gotten a mortgage fairly quickly,is there a minimum time when its allowed,have an appointment coming up with a mortgage advisor but would be good to know in advance,

    A lot will depend on your credit history i.e. have you had a credit card and cleared all balances each month? Are you on the electoral register? Do you have utilities in your name and have they been paid on time?

    You can check how good it is for free on Experian. If its not great, your chances are not great


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    #3
    newacc2015
    Closed Accounts Posts: 2,379 ✭✭✭newacc2015


    Do you currently have a credit card or other loan in the UK to build up a credit rating? I wouldnt be too keen to buy in London. The market seems ripe for a correction


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    #4
    manutd83
    Registered Users Posts: 324 ✭✭manutd83


    History us fine and I'm on electoral register,I just seen somewhere that you can apply till on the country for a certain amount of time,just wondering about that


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    #5
    Barely Hedged
    Closed Accounts Posts: 992 ✭✭✭Barely Hedged


    manutd83 wrote: »
    History us fine and I'm on electoral register,I just seen somewhere that you can apply till on the country for a certain amount of time,just wondering about that

    Bank dependent but generally between 1y - 2y residency. Your mortgage advisor will clear it up for you. Alternatively, ring Which. They give objective mortgage advise about all institutions and can recommend conveyancing solicitors


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