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Topic: Purchasing a home  (Read 794 times)

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Purchasing a home
« on: June 29, 2019, 01:27:59 AM »
I have lived in the us with my usc husband for around 7 years and prior to that I was a student so didnt build up any credit, how long after moving to UK and having British credit cards do u think it would be before we had sufficient credit to buy a home? We would have probably a 20% deposit also.
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Re: Purchasing a home
« Reply #1 on: June 29, 2019, 07:07:46 AM »
Many banks won't give a mortgage to anyone without permanent settlement status, but I am going to see a mortgage advisor today about my husband and I buying a house, and she said she has personally approved loans to people in our situation, me not yet on ILR.

So, I'll let you know if were successful or not and which bank. I'm pretty sure it's Lloyd's.

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The usual. American girl meets British guy. They fall into like, then into love. Then there was the big decision. The American traveled across the pond to join the Brit. And life was never the same again.

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Re: Purchasing a home
« Reply #2 on: June 29, 2019, 01:58:18 PM »
Awesome, thank you
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Re: Purchasing a home
« Reply #3 on: June 29, 2019, 02:34:22 PM »
Quote from: Cam54 on June 29, 2019, 01:58:18 PM
Awesome, thank you
It was Lloyd's and we have to wait for her to contact the underwriter's directly, she said we should know by next Thursday (two business days).

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The usual. American girl meets British guy. They fall into like, then into love. Then there was the big decision. The American traveled across the pond to join the Brit. And life was never the same again.

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Re: Purchasing a home
« Reply #4 on: June 29, 2019, 02:37:18 PM »
Quote from: lyonaria on June 29, 2019, 02:34:22 PM
It was Lloyd's and we have to wait for her to contact the underwriter's directly, she said we should know by next Thursday (two business days).

Good luck, Lyonaria!
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9/1/2013 - "fiancée" (marriage) visa issued
4/6/2013 - married (certificate issued same-day)
5/6/2013 - FLR(M)#1 in person -- approved!
8/1/2016 - FLR(M)#2 by post -- approved!
8/5/2018 - ILR in person -- approved!
22/11/2018 - Citizenship (online, with NDRS+JCAP) -- approved!
14/12/2018 - I became a British citizen.  :)

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Re: Purchasing a home
« Reply #5 on: June 29, 2019, 02:40:58 PM »
Quote from: jfkimberly on June 29, 2019, 02:37:18 PM
Good luck, Lyonaria!
Thank you! We have to move by the end of our lease (Sept 25), so hopefully we're approved!!

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The usual. American girl meets British guy. They fall into like, then into love. Then there was the big decision. The American traveled across the pond to join the Brit. And life was never the same again.

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