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Foreign Income Experts

Paid in Foreign Currency? Lenders Who Assess It Properly.

Most lenders apply a discount to foreign currency income before assessing affordability, and the size of that discount varies widely between them. We work with specialist lenders and private banks whose treatment of overseas earnings differs from the high street.

  • Some lenders use a smaller currency discount than others
  • Global trading accounts considered
  • Specialist handling for seafarers and offshore income
  • Bonus income may be averaged over a period set by the lender

Every lender sets its own criteria and each application is assessed on its own facts. The currency you are paid in, where you are resident and how your income is structured all affect the amount you can borrow. Acceptance is not guaranteed.

If a high-street lender has discounted your overseas income heavily, that is a reflection of that lender's policy rather than of your earnings. A specialist can tell you how other lenders would treat the same income.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Check Your Eligibility

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Our Lending Partners — a selection of the mainstream and specialist lenders on our panel
Broad Lender Panel

Just a few of the lenders we quote

From high street giants to specialist niche lenders.

Mortgage advice is provided by Hayden Richards, CeMAP-qualified, a Registered Individual of Marklay Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 930490). Richards & Logic is a trading style of MarketMedia Ltd. Hayden Richards can assess specialist mortgage options from a broad panel of UK lenders based on your complex income and borrowing needs.