Global Income. UK Property. Zero Translation Errors.
Most banks punish foreign earners with a 25% currency haircut. We work with private banks and specialists who respect the true value of your pay — in any currency.
Your Income Is Real. The Discount Isn't.
You earn well. You save well. But because your income arrives in a different currency, UK banks treat you like a higher risk. That's not underwriting — it's laziness.
The 25% Haircut
You earn $150,000. That's roughly £120,000. But your bank only considers £90,000 because they deduct 25% for 'currency risk'. That's £30,000 of your real income — vanished.
Overseas Deposits Flagged
Your savings are in a foreign account. Your deposit is legitimate. But AML checks on international transfers add weeks — sometimes months — to the process. Or kill it entirely.
Income in a 'Difficult' Currency
Not all currencies are treated equally. If your income is in AED, NGN, or INR, some banks won't even start the conversation. We know which lenders will.
Complex Residency Status
UK resident but earning abroad. Non-domiciled but living here. Work visa. ILR. Each has different lending implications. High street forms don't have a box for nuance.
Dubai-Based Engineer. USD Salary. Zero Haircut. £540k Mortgage.
Our client — a UK citizen working as a senior engineer in Dubai — earned $180,000 (approx. £144,000). HSBC applied a 25% haircut, reducing his assessable income to £108,000 and offering a mortgage of £486,000. He needed £540,000 for a family home in Surrey.
We approached a private bank who assessed his full USD income at the prevailing exchange rate with zero haircut. At 3.75× (private bank multiplier), he was approved for £540,000 with a 25% deposit.
How It Works
Three steps. Full income. No discount.
Share your income details
Currency, salary, any bonuses or allowances, and where the income is earned. We handle the conversion and structuring.
We find a no-haircut lender
Our panel includes private banks and specialist lenders who use 100% of your foreign income — or apply a minimal margin rather than a blanket 25% cut.
Application submitted with full income
Your case is presented with a full income breakdown and currency context. No awkward forms. No automated declines.
Why Global Earners Choose Us
FCA Regulated
Authorised and regulated by the Financial Conduct Authority. UK consumer protections apply regardless of where your income originates.
Private Bank Access
Our panel includes private banks that accept foreign currency income at full value — an option most brokers can't offer.
No Upfront Fees
We don't charge until your mortgage completes. International applicants face enough hurdles — cost shouldn't be one of them.
Frequently Asked Questions
Answers for UK mortgage applicants with overseas or foreign currency income.
Your Income Shouldn't Be Discounted Because of Geography
We find lenders who value your income at what it's actually worth — not what a currency haircut formula says.