SPECIALIST ADVICE
Foreign-income mortgages
Foreign salary, business income or other earnings can be acceptable, but lenders differ sharply on supported currencies, exchange-rate adjustments and evidence.
Use eligible overseas earnings for a UK mortgage
Foreign salary, business income or other earnings can be acceptable, but lenders differ sharply on supported currencies, exchange-rate adjustments and evidence.
Supported currencies
Match the income currency with lenders prepared to accept and convert it.
Income evidence
Prepare contracts, payslips, accounts, bank statements and translations where required.
Currency haircut
Allow for the lender reducing converted income to protect against exchange-rate movement.
Tax and residency
Clarify where you live, work and pay tax so the application is presented accurately.
Foreign-income mortgages FAQs
Which foreign currencies are accepted?
Lists vary by lender and change over time. We check current criteria for the specific currency and case.
Will documents need translating?
A lender may require certified translations where documents are not in English.
Can two different currencies be used?
Some lenders can consider multi-currency household income, but assessment and exchange-rate treatment will differ.
YOUR SMART MORTGAGES CONTACT
Discuss your plans with the right adviser.
Aaron handles foreign-income mortgages across the UK.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Commercial mortgages, bridging finance and some buy-to-let arrangements are not regulated mortgage contracts. Smart Mortgages Limited is authorised and regulated by the FCA, reference 912358.