The starting figures
| Property price or assumed value | £1,200,000 |
|---|---|
| Loan requested or current balance | £800,000 |
| Estimated equity | £400,000 |
| Loan-to-value | about 66.7% |
The situation
A household now living in Stockholm has an £800,000 UK mortgage balance and estimates the property value at £1.2 million. Its income is in Swedish kronor. The current deal is approaching its end date. The property’s occupancy and the household’s move abroad must be disclosed as part of the review.
Review residence, valuation and the household budget together
Check the current lender’s available options alongside any eligible remortgage route, including country restrictions, property use and early repayment charges. Reconcile current SEK salary credits with the relevant income-tax records. Treat the £1.2 million value as an assumption until the required valuation evidence is available.
A valuation change alters the ratio
An £800,000 balance is about 66.7% of £1.2 million. If the valuation were £1.1 million, the same balance would be about 72.7% LTV, before fees. Separately, an illustrative £4,000 sterling monthly budget would require SEK 52,000 at SEK 13 per £1, or SEK 56,000 at SEK 14. Neither the budget nor the exchange rates are a mortgage quotation or live market data.
What could change the plan?
Can the household absorb a less favourable currency conversion while meeting Swedish living costs and other commitments? Assess that alongside the lender’s own method rather than relying on the original mortgage approval.
Read the Sweden preparation guide and sources · Larger mortgage planning · Browse all scenarios
Discuss your own circumstances ↗
Prepared for Jack Cousins, 9 November 2026. All people, circumstances, values and exchange rates in this example are invented. No approval, lender attribution or completed transaction is claimed. Eligibility, costs, evidence and the regulated advice process require an individual assessment.