Future relocation mortgage for American Citizen

Dan Gracie

Specialist Lending Director

The Requirement

Another mortgage broker asked us if we could help a couple who were living in the US but wanted to buy a home in the UK to relocate to at a later date. They would stay in the US for an undecided period of time and had not yet found new work in the UK or arranged potential transfers with their employers.

One of the couple was British and the other was an American citizen, which complicated matters further as most expat lenders only lend to Brits overseas. And without a set date or new employment arrangements, most expat lenders had already declined and any new lender would need to factor in the cost of running properties in both countries.

The Solution

We ascertained which lenders could lend to a non-British citizen living overseas and work with a situation that was outside of the norm. We presented their underwriters with a credit proposal that showed how this Anglo-American family could afford to run a property in the UK and live full lives in the US until they were ready to relocate.

An underwriter from a high street bank talked the case through over the phone with one of our specialist lending advisors and agreed with his proposal that the clients could afford a dual-jurisdiction life for as long as they wished to. Their career histories were such that transfers to similar-paying employments were feasible and she was happy to issue a mortgage offer based on logic and common sense.

Our team are here to help

Our professional advisors would be delighted to speak with you and discuss your requirements.

What our clients say!

Our clients trust us to guide them through some of their greatest financial decisions.

“The team at Panthera Finance have provided an outstanding service, going the extra mile with attention to detail to secure a bespoke mortgage product. I would commend Panthera to all those seeking tailored financial products unavailable on the high street or through non-specialist agents.”

Tom G.

“It’s a pleasure working with Tim, Dan and the team at Panthera. The way they use their knowledge and experience of what can be very complicated situations to structure and shape cases is always impressive and has helped build a strong and trusting relationship with us as a mortgage lender.”

A.S.

“The support and service from Anthony and Rhiannon has been superb - especially your patience while we were on hols and things. I think this is now the 3rd time Panthera has assisted us and we have been impressed every time, you will be our first choice every time.”

Ben R.

“Dan and Rhiannon are your perfect finance team. I have worked with them for many years now and I am in awe of their professionalism, comprehensiveness and thoroughly managing deal flow every time. I trust Dan to source and manage the best possible deals for me in the marketplace; noting he has many senior banking connections to call upon, when deals can appear to be outside of the box, as they frequently do in today’s market.”

J.D.

“After some issues with other providers Panthera came through with a great service. Always great to work with professionals, and would certainly recommend their services.”

Brian M.

“We are so thankful we were referred to Dan and the Panthera team for our mortgage process. Our plans to purchase a home in the UK moved a little quicker than we planned, but Dan's knowledge and support made the process smooth and effortless for us. Dan and Rhiannon had the best communication and provided updates quickly for our mortgage to be approved as soon as possible. We are so grateful for Panthera Finance and look forward to our new home!!”

Jason & Haley S.

“Working with Anthony at Panthera on mortgaging and remortgaging several times on property has always been seamless. Deeply knowledgeable, he listens to what I need and works extremely hard and quickly to get the right product. ”

F.L.