Describe the US position
Explain citizenship, residence, employment and the property objective.
Jack Cousins · UK mortgages from the US
US income. UK property. Let’s join the dots.
Discuss a UK property purchase or refinance while living in the United States. Income evidence, citizenship, residence and ownership need to be considered together.
07456 935677 · jack@lockhartmurphy.com
Mortgage and protection advice is provided through Mortgage Force (UK) Ltd. Scope, eligibility and any fees are discussed before proceeding.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.
A useful starting pointPut the right details
Put the right details
on the table.
Begin with an outline. Jack will explain what needs a closer look and which documents would be useful next.
Separate compensation
Distinguish base salary, bonuses and equity compensation, with the relevant records.
Bring the right advisers
UK and US legal or tax questions belong with appropriately appointed professionals.
Your next stepTell me where
Tell me where
you’re starting.
A short outline is enough for the first conversation. Please leave out passports, account numbers and sensitive documents.
Useful things to have in mind
- Residence evidence and nationality
- Income in USD with bank credits
- Deposit source and transfer history
- UK property and intended use
Jack Cousins
Head of Mortgages
Lockhart Murphy
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Will equity compensation be treated like salary?
Not automatically. Vested awards, sale proceeds and recurring income can be treated differently. Lender acceptance and evidence need checking.
There is no promise of a mortgage, rate or timescale. Each case depends on the lender’s assessment and the complete circumstances.
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