Credit Blips and Improvements INSIGHTS.ed.4

by | Nov 12, 2025 | credit footprint, credit reference, Expat mortgages, Mortgage rates, Releasing cash, Switch mortgages, UK mortgage

Improve credit as an expat

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Credit Blips ! Is the Mortgage a No Go?

Welcome to a further edition of INSIGHTS a newsletter covering aspects of UK mortgages for clients with complex circumstances.

Mortgage lenders are becoming more tolerant of minor issues, and especially where plausible explanations are provided. However if you have a low or no score then there are some things you can do to improve your credit file in the UK if your overseas or not.

In the following we explore:

  • Three credit ref agencies
  • How to address any blips
  • Why small credit facilities can help

Insight -Some lenders accept a low score or they dont use machine credit ratings, rather they have manual credit file via underwriter checks.

Here’s a case study – 2 min video YouTube below:

Improve your Credit file

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What if you don’t have any credit file in the UK?

There are some lenders who will permit no credit rating in the UK, provided they have visibility in country of residence or if they can establish a previous UK credit footprint ( which is slight different to a score)

Case Study –

Mr Spears – UK Expat in UAE – had been outside UK for over 10 years so no credit footprint or Score in the UK, he did though have a good credit score in UAE and he was earning over £150K GBP along with wife (Non UK national) .

Property Value £500K Mortgage Needed £375K

Deal Sourced – £375K on 20 Yr term Capital & Interest

4.5% 5 yr fxed

Monthly Cost:£2,374 pcm

Market Updates

  • House Price Data released for October and is showing a slight rise month on month Annual house price growth edges higher in October
  • The Autumn budget is 2 weeks away, and some landlords are holding their breath.. as extra taxes on Landlords is being seen as likely – but should Landlords be quick to panic or leave the market – here’s the view from one expert
  • If you’re an aspiring Landlord then this report might make your ears pick up with rent yields reaching their highest in a decade! read here

Next Steps…

Book a Free Discovery call here & if your not sure what a discovery call is all about Ive made a series of videos on what to expect here.

A Great way to get frequent updates, hints & tips and insider industry knowledge of the complex / expat mortgage market is to join our YouTube channel here.

Our Quick 60sec Quote page allows you to obtain the latest rates to be expected and you can request a specific quote by sending an email to info@mymotgagedeal.co.uk