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Mortgage with Foreign Currency Income

  • All Currencies Considered*
  • From 5% Deposit
  • Non UK Taxpayers
  • Non Residents
  • No Credit Scoring Application for Some Lenders
  • Common Sense Underwriting
  • No maximum age for residential & buy to let mortgages
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Mortgage with Foreign Currency Income

At RockHopper we can assist those clients looking to arrange a mortgage or remortgage when they receive income in a currency other than the Pound Sterling. This includes income received from employment, self employment, pensions, investments etc.

This could either be for a property to be used for the client, or their family members. Alternatively, it could be a buy to let property where the client wishes to rent the property to suitable tenants.

Clients who earn income in a foreign currency often tell us they are frustrated in trying to arrange a mortgage, as most lenders will not consider income if it is not earned in Pound Sterling. Those lenders that will consider other currencies, we are told, often have a short restricted list of currencies they will consider which often doesn’t fit with the way the client is paid.

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Clients also inform us that lenders may have drastically reduced their level of earnings by 25% to 50%, to take into account future currency fluctuation risks. Additionally, most lenders will not factor into their affordability assessment that clients may be paid tax free or on much lower levels of tax than in the UK. This can often result in either a mortgage decline or clients being offered a much smaller mortgage than they ideally require and can lead to them losing out on the property or not being able to remortgage.

The typical scenarios we assist clients who earn income in a foreign currency are:

  • Mortgages where one or more of the customer(s) are paid in a foreign currency even though they live and work in the UK
  • Joint mortgage applications where one of the customers is in the UK and the other customer works overseas, often flying back to the UK on a regular basis
  • Applications where the customer(s) are overseas and wish to return to the UK immediately
  • Applications where the customer(s) are  overseas and have no intention to return to the UK

We find the most popular currencies for our foreign currency income clients are:

  • US Dollar
  • Euro
  • Japanese Yen
  • Chinese Yuan
  • Australian Dollar
  • Singapore Dollar
  • Hong Kong Dollar
  • Swiss Francs
  • UAE Dirham
  • Saudi Riyals

We can, however, look to assist clients paid in most worldwide currencies as well as clients working in most countries across the globe.

At RockHopper we look at all cases individually and assess each mortgage or remortgage on its own merits. Do get in touch if you want some assistance in obtaining a mortgage with foreign currency income. We offer a free initial, no obligation, assessment to see if we can help you.

*We are unable to assist individuals deriving income from, or using funds to purchase property from embargoed jurisdictions or those jurisdictions deemed non FATF (Financial Action Task Force) compliant.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Rates are updated daily and can be withdrawn at anytime without notice by lenders.”

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Commercial Mortgages and some forms Buy to Let mortgages are not regulated by the Financial Conduct Authority.
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Friendly, Quick & Experts

By: Rachel Hyde
The team have been more than helpful in searching and explaining what is available to us and allowed....
For service -  PT / Resi / Cromore Close
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Fast and efficient service. Very helpful with no fuss Prompt turnaround with very positive outcome....
For service -  PT / Dovey Close
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Couldn't recommend more highly

I could not convey strongly enough my recommendation for RockHopper Mortgage Advisers. Across severa....
For service -  FA / Resi / Burnet Grove
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David got us a very good deal on the mortgage and Alex was extremely efficient obtaining our informa....
For service -  Resi / Purchase / Discovery Close
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AMAZING 🤩

By: Kirsty Gregory
I seriously can not recommend rockhopper enough, they were beyond fantastic when I was applying for ....
For service -  PT / Resi / Selborne Avenue
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By: Liam Sennatt
been dealing direct with david now for over 5 yrs and how easy he makes this whole process for me. h....
For service -  Resi / Remo / Cheriton Avenue
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They pulled a rabbit out of the hat!

Rob and Alex were meticulous in ensuring I had the best chance of succeeding with my application. ....
For service -  Resi / Purchase / Sherwood
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First class!

By: Nayyer Ahmed
From start to finish, the service was professional and efficient. The team was very helpful and acce....
For service -  Resi / Remo / Flat 1b Allen House
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Everything, they very friendly and professionally, excellent service....
For service -  Resi/Purchase/Clarendon Road
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Excellent Service

Outstanding from start to finish. Great communication throughout. They fully explained everything an....
For service -  Resi/Remo/8 Main Drive
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Really happy with the service given much appreciated thank you

By: Steven Brown
Friendly and polite service kept me informed on what was going on Really happy with service given th....
For service -  Resi/Remo/ Keep Hill Close
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Amazing

Very helpful, and took the stress out of finding a mortgage that suited us. David and Alex were amaz....
For service -  Resi/Purchase/Field Gate Close
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Excellent service, really felt involved and well informed,thoughout

By: Kathryn Thompson
Very professional, communication excellent, David and Alex were lovely to work with, I had full co....
For service -  Resi/Purchase/Roehedge
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knowledgable and easy

By: Bramadarshan Ganesan
Thank you for your help withthe mortgage.....
For service -  Resi/Purchase/Hebron Court
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Knowledgable & Trustworthy

By: Zara Truscott
My partner had previously used Rockhopper and was thoroughly satisfied with the service from David. ....
For service -  Purchase/37a Leek Road
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Great communication and efficient handling of mortgage application!

Great service from David and Alex. Found us as good a deal that was available to us at the time, spe....
For service -  Resi/Remo/Victoria Avenue
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Excellent service

Calm and efficient service. Good communications. All went according to olan.....
For service -  Resi/Purchase/Barclaugh Drive
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Returned customer. Very Professional and Knowledgeable Mortgage brokers.

I have always been impressed by the professionalism of the brokers at RockHopper. I worked with them....
For service -  Resi/Remo/Waverley Avenue
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Excellent Service. Would highly recommend.

I received excellent service from David & Alex. Great communication and very efficient, it was a ple....
For service -  Resi/Purchase/Brighton
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Very professional and found us a solution when other brokers couldn't.

David spent time finding a solution for our non standard requirements which other brokers could not ....
For service -  Resi/Remo/Cherrington
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RockHopper Mortgages is a trading style of RockHopper Origination Limited, an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let mortgages and Commercial mortgages are not regulated by the Financial Conduct Authority.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

RockHopper Origination Limited is a company registered in England and Wales with company number 10241688. Registered Office:Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

CONTACT US

Tel: 0203 621 5696
Fax: 0203 621 5697
Email:info@rockhopper.uk.net

Address: Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

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