aidan771

Thanks all for replies. Everything is now sorted using equity release

Hi all, Hoping that someone can provide advice on this one. Summary: We have a rental property in Sydney that has a mortgage in my wife's name (she is Australian and bought the property 10 years ago before we married). We are currently living in the UK but plan to move back by the end of the year. Currently she is not working but would like to remortgage the property (over 70% equity in the property currently valued at ~$700k. The remortgage will be based on my UK salary (>£120k). We've been told that this shouldn't be a problem however I am unsure as to whether they would need to credit check me here in the UK or from Australia? I have a partner visa and and am a UK citizen so don't have an Australian credit record as not lived or worked in Australia (although have HSBC accounts in Australia). Also not sure if having credit cards debts here in the UK will impact the application? Any advice would be greatly appreciated. thanks!