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These examples explain situations worth discussing. They are not records of actual clients, approvals, quotations or completed transactions. Any outcome would depend on an individual assessment.
A borrower is paid in another currency. Currency treatment and the evidence trail need checking.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A household has income in different currencies. Each stream and any related commitments need to be understood.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
An applicant receives foreign-currency salary and bonus. The amounts, history and conversion risk should be considered separately.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
An internationally connected applicant wants to discuss foreign-currency income mortgages. Two points need attention: income currency and payment history; employment contract. A lender may accept only specified currencies and may reduce the amount used in affordability. The evidence and the decision need to be considered together rather than in isolation.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
An internationally connected applicant has started a conversation about foreign-currency income mortgages, but the brief has changed. The review revisits two points: payslips and corresponding bank credits; other currency commitments. The next step is agreed using the updated facts, with any unresolved questions recorded.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A lender may accept only specified currencies and may reduce the amount used in affordability. We separate regular earnings from allowances or reimbursements and show the bank credits behind the payslips. The mortgage remains payable in sterling.