How long do I need to be in the UK before I can obtain a mortgage?

Worried about obtaining a mortgage in the UK if you have just been on a sabbatical or been outside of the UK for whatever reason.  The good news is that there is no minimum time that you need to have been living in the UK to be eligible for a mortgage.

Several lenders just require that you’re living in the UK when submitting an application, so in theory you could have been travelling for 6 months and submit a mortgage application on your first day back living in the UK.  However, this is dependent on your credit score, affordability, being able to prove your address etc…

Hawk Mortgages would advise all clients to have at least 2 forms of proof of address and to be on the voters roll to improve the credit rating at that address and bolster your chances of being approved for a mortgage.


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