Buying a flat

Also remember that lenders will not extend you a pence if your still on your two year initial visa, they will want an FLR copy showing your here over two years before they will give you a mortgage promise. Good luck

What about if my husband to be is a British Citizen (born & raised) and I'm just on my FLR say after about a year?  Would it be a problem then if just one of us is on a visa?  Is it practice then to only take his income into account or maybe just give us a lower mutilplier after combining both incomes?  We are moving over next September 2006 after our marriage in the states and we are looking to buy in London after about a year of renting.  I hope that this will be a feasible plan.

I stand by what I say, if your that thin skinned I suggest you find another line of work.

Stand or sit, your opinion's still...remarkably inaccurate 

No rhymes, then?! 

i've had a solidly good experience with my solicitor.  yes, i had to be nuggy and keep my case on the top of their pile.  but i found them professional and honest.  everyone has a different house buying experience.  there probably are crook solicitors out there- like there is in every profession.  do your homework, interview a few solicitors, get personal reccomendations and then make your decision.

as for luxie's question: my partner is a british citizen and i was on a FLR (work visa) with only 4 months left.   i was told by our mortgage broker that we could buy the property together, but that since i was a flight risk they would not take my income into account.  and since my partner is newly self-employed and only had 5 months of books, he couldn't get a new mortgage either.  no starter.  my advice- contact a few mortgage brokers- in london there must be some that specalize in expat mortgages.  get their advice for your particular situation.  just to note, in general, they will only take up to 4.2 times one person's salary (if there's a 20% + deposit).

Nerdgirl- i looked into an IOM mortgage.  i was transferring US money to the UK for the depsoit and transferring to IOM woudl have saved capital gains taxes.  however, the savings didn't justify the limitations of having an offshore mortgage.  i'd be interested to know how you get on.

I stand by what I say, if your that thin skinned I suggest you find another line of work.

Being offended by an inaccurate (thank you, Mac Nibbles) generalisation made about people I know and work with - whom you DO NOT know - is being "thin-skinned"?

Maybe you need to find a dictionary...

Guess if someone did the same about whatever your mystery occupation is, you'd just up and agree with them and not feel the need to defend yourself/your colleagues?

Thought for the day - generalisations suck.

I know this doesn't have anything really to do with this thread. But as we are thinking of moving back to the States, I found out the LTSB Offshore offers mortgages in $ amounts, and our current mortgage it through them. So we are thinking this maybe a way around moving to the States and not being able to have immediate credit to be able to buy a house.


On another note...I haven't had any good dealings with lawyers here or in the STATES but I would never been rude enough to offend a total strange with generalizations.

as for luxie's question: my partner is a british citizen and i was on a FLR (work visa) with only 4 months left.   i was told by our mortgage broker that we could buy the property together, but that since i was a flight risk they would not take my income into account.  and since my partner is newly self-employed and only had 5 months of books, he couldn't get a new mortgage either.  no starter.  my advice- contact a few mortgage brokers- in london there must be some that specalize in expat mortgages.  get their advice for your particular situation.  just to note, in general, they will only take up to 4.2 times one person's salary (if there's a 20% + deposit).

Thanks Meggles! - I didn't even know that there was such a thing as mortgage brokers that specialize in expats.  I will definitely have a look around.  Great advice