如果没有签证的问题，比如英国人自己名下有1个房产，去买第二个的时候有什么要注意的吗？求指点
收入加租金可以承受还贷及日常合理支出就可以再申请到贷款。
我是英国中行的loan officer，有贷款问题可以PM我。谢谢
这个情况就比较多样，看第一套是不是还在还房贷，如果全部还完了那没什么问题，但是要多交1%的印花税；如果说没还完，那就看个人的收入和信贷能力了。
比较好的办法是夫妻分开自己买各自的房产。
汇丰很难很难贷款出来的
:’(我有经验，第一套房全额付款，是新房，隔了几个月想买同小区新的第二套房，然后就是抵押第一套房，第二套房子付百分之30，结果人家都来我们家评估了，到最后是不行。因为虽然我们有pr，但是不满两年，新房买了不满1年，然后我老公刚开公司也不满一年。所以最终第二套房子还是全额付款:’(
多付一万干嘛，贷款不是看你付多少，而是是否还得起。
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lz可以用remortgage出来的cash再投资买一套房，当然cash可能只有你的现有房价的八成左右。再投资的时候，银行还是不太可能会给你贷款。也就是你只能再投资一套价值相对更低的房产。
buy to let主要是指已经拥有一套自用住房贷款，再用贷款购买房产并且用作出租目的，只能申请buy to let贷款，这种贷款利率一般比首套自用住房高。这个不太适合楼主的情况，楼主主要问题是是否能贷款。
第二套价值比第一套高很多吗？
主要原因是新公司不到一年，人家认为不够稳定，或者没有办法证明利润收入。其他都是附加借口，PR有没有关系很大，有多久关系不大。
是的，就是公司的原因，还有其他两点人家也提到了:’(
第二套比第一套便宜一点
This is 100% wrong.
Some banks would only lend to citizen or pr. BUT still some will lend to limited leave to remain residents.
Go try Natwest Hom and Halifax. They will lend to foreigners with more than 2 yr visa regardless of visa type as long as you can provide enough deposit or collateral.
But the best way is to speak to a mortgage advisor. Tell the plan. And see what they can do for you.
Moreover they can access lenders’ database. It saves you time to communicate with different banks individually.
Student does not equal to no income.
Students are allowed to take up to 20 hrs work load per week during term time and full time during holiday.
As long as you are in a permanent contract and the hrs are fixed, the income will count.
No.
It depends on your situation.
Buy-to-let is an investment. Banks will consider the risk, then.
They will offer you higher mortgage rate, higher valuation fees, higher admin fees, higher mortgage fees and etc higher. They will also evaluate your ability to repay capital and interest or interest only because you can’t guarantee the property will be let out continuously during the mortgage period.
En…
But the rate may be higher if you don’t state use of the fund.
For new development, if you are first time buyer and the value of property is below £250,000, you just need to pay 5% deposit and the government will pay the rest 15%-25% for you. It is interest free for the first 5 yrs. You need to repay the government 15%-25% of the market value of the property after 5 years.
For second hand property, it is normally to be 30%. If it is less than 30%, you might be struggled to get a mortgage if your credit rating is not good.