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Key features:

  • £450,000 mortgage for American client with British wife
  • 1.73% fixed rate with a 25% deposit
  • Mortgage offer produced in four days

Our clients had been in the UK since January 2019 after living in the USA for previous ten-years. One applicant was an American citizen here on a leave to enter visa, while his wife was British.

What were they looking for? 

They had found a three-bedroom property to purchase and require a five-time salary mortgage. They had a 25% deposit.

Why was it difficult?

Not all lenders are happy to lend to clients that have recently returned to the UK, especially if they have a limited credit footprint.

How did we help? 

Our broker approached a bank offering some of the cheapest fixed rates in the market with an excellent policy for foreign nationals buying the UK. 

What was the rate?

The 1.73% rate was fixed until 31 March 2025 and it had a £999 arrangement fee. After the fixed-rate period, the mortgage reverts onto the lender’s standard variable rate, currently 4.24%, for the remaining mortgage period. The overall cost for comparison is 3.5% APRC.

Call Trinity Financial on 020 7016 0790 to secure a mortgage

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