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UK mortgage for Irish self employed.

akash.it2002 · 2022-10-06 21:55:57

I am Irish citizen working as self employed(using limited company) for 5 years. The company is profitable and has profits in the account books. I pay myself as director and also pay my wife as company secretary with our combined income of ~100k Euro annually. We are planning to buy a house and looking to apply for mortgage…

06-10-2022 10:55pm

#1
akash.it2002

Registered Users Posts: 4 ✭

Join Date: February 2018

Posts: 1
I am Irish citizen working as self employed(using limited company) for 5 years. The company is profitable and has profits in the account books. I pay myself as director and also pay my wife as company secretary with our combined income of ~100k Euro annually.
We are planning to buy a house and looking to apply for mortgage in UK(preferably HSBC). We will eventually move there once the house is finalized and that will be our primary residence. My questions below.
Would HSBC or other UK banks consider an IRISH citizen & Self employed applying for UK mortgage with out being resident in UK at time of application?
Would the company profits be considered when finalizing my mortgage cap?
In case of UK banks not considering my self employment status, what are the best options for me?
If we have >= 30% deposit would that do help my mortgage application?
(Please note that I am home owner in Ireland and owns a 2BHK in Dublin with monthly mortgage payments <= 1000 Euro.)
-Bhanuprakash.

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