Gaskit

I've still not progressed. Having done a lot of searching, I can say it's a very complex picture and the combination of your own circumstance and lender's position means it is very hard to generalize options - but it's easy to say that it's very hard for UK expats in OZ to secure a new UK mortgage.  I believe the best options are with Family Building Society and IMP at the link I posted above.  FBS were no good for me as I don't have a current UK mortgage.  Note I have no affiliations to IMP and am not a customer but I did talk to them.  They seemed to be able to offer reasonable if not the best rates through their exclusive Ipswich BS products.  Al Ryan  are also a solution if you are comfortable with Sharia lending. There are more options available through brokers but rates and product fees can make your eyes water. 

I held off applying as I'm waiting to see if Barclays change their position on Consumer Buy to Let mortgages.  They previously indicated their position may change in October after a systems review.  Note that Barclays do have a high salary threshold which means they're not an option for many people but at least they don't require you to keep GBP40k on deposit with them like HSBC. 

I would be great if people could keep this thread current by posting here when they do secure a new UK mortgage as it seems the market and options do change quite quickly.

I think it does.  It would be good to see how you go. I'll PM you.

This link has a pretty good review of what I've found to be the current situation - who still loans, who doesn't and at what penalty.  I think it might come out of Hong Kong.

http://www.international-mortgage-plans.com/a-z-expatriate-mortgages.htm

I wondered if you proceeded with your mortgage application?  I've also been going through the same process and had an offer from a Shariah bank.  I'm guessing it was Al Rayan ?  For ethical reasons I wasn't keen so decided to go to another lender - an off-shore branch of one of UK's big banks.  It proved to be a long drawn out process that ultimately got me nowhere.  After having initial approval my application was declined when they found the property used to be my home.  This has left me back at square one and looking back at Al Rayan.  Thanks to the Australian Corporate Governance Act there are so few UK lenders willing to lend to AU residents these days.  I'd be interested to know if you followed through with your Shariah lender or found another option? 

Hi Gaskit

 

congrats on your visa. I am just awaiting news of mine. Can I ask, why did you do IELTS, I take it you're from the UK and my understanding is that it's not required for UK citizens?? Just don't want to have missed something crucial in my application!?

cheers

Hi,

my husband (main applicant is British) but I am French and despite working in English speaking countries for last 10 years I still had to have a score >4.5 at IELTs to satisfy all visa requirement for secondary applicant.

Hi all,

I thought I would add my timeline to give hope for those who submitted at the same time as us as we got our 186 yesterday:

Application through MA lodged 27 June (just before the fee increase ;-).

Police checks and medical were uploaded in July and the IELTS certificate mid August.

186 granted 12/09/13

good luck to all of you still waiting .