- FAQ
- Login
- Register
- Call Workpermit.com for a paid service +44 (0)344-991-9222
ESC
Welcome to immigrationboards.com!
Moderators: Casa, Amber, archigabe, batleykhan, ca.funke, ChetanOjha, EUsmileWEallsmile, JAJ, John, Obie, push, geriatrix, vinny, CR001, zimba, meself2
The HO is not going to write you a letter so you can forget that.goldfish wrote:I'm investigating the options for getting a mortgage. Several banks have told me I can only get one with 3 years or more on my visa (HSMP).
Even if I apply for extension early, they are only for 3 years. So by the time I am notified of the extension, there will be less than 3 years remaining.
They also said I can get a letter from the Home Office stating that I will get ILR at the end of my current visa (which I will). However, I don't know how successful I am likely to be getting something like that from the HO!
Has anyone got a letter like from the HO/BIA? And if so how?
Has anyone got a 3+ year extension so they can get a mortgage?
Are there other options available?
I've seen some older posts on the board but they are pre-credit crunch so rules are likely to have tightened since then.
So you are options are limited but you are not getting any letter from the hogoldfish wrote:I have contacted 4 banks so far. Only HSBC will give me a mortgage (even they are still confirming the visa question) but their mortgage products don't include offsets. Two of the others won't lend at all. The third says 25% deposit or 3 years on visa...
I know a few ppl who have gone through brokers but I would like to avoid that if I can. I know type of mortgage I want and how to put an application together so don't want to pay them £££ unless I have to.
Time to change your brokerThe broker I used at the time said that unless you had ILR or a 25% deposit no lender will touch you
If you can't get mortgage from banks yourself but a broker does it for you, there is high probablity that broker lied about your income etc. to secure a mortgage for you.RAJ2007 wrote:Hello Goldfish,
Go to a broker and they will provide mortgage for you from banks like standard life, halifax, alliance leceister. But don't go to this bank directly then you will not get it.
RAJ2007 wrote:Sorry RG1 we are not taking about income. What I am saying that most high street banks does not give mortgage directly unless you have got ILR.
But if you go through a broker then it is possible.
I would advice read my message properly before commenting on it.