Mortgage approved for home movers relocating from Dublin to Ballinderry Upper with euro income
A couple relocating from Dublin to purchase a new build home in Ballinderry Upper.
The challenge:
The clients faced several obstacles that could have delayed or derailed their mortgage application:
-
One client was a UK national, while the other held Dutch nationality without residency rights in the UK or Irish citizenship.
-
The couple’s primary income was in Euro, significantly limiting lender options.
-
At the time of consultation, the clients were still residing outside the UK.
Campbell Financial's solution:
We crafted a strategy to address the residency and income challenges head-on:
-
As the couple had already accepted an offer on their Dublin property, we advised them to complete the sale and temporarily relocate to live with family in Northern Ireland, achieving UK residency status in the process.
-
With a large deposit exceeding 25%, we were able to bypass the need to prove the Dutch national’s right to reside in the UK, satisfying lender requirements.
The outcome:
The mortgage was approved well ahead of the new build’s completion, ensuring a smooth transition for the couple. This case highlights how creative solutions and expert knowledge can overcome even the most complex cross-border relocation hurdles.
Here's what the client had to say:
"We had the pleasure of dealing with Sheena over the last number of months. She is very knowledgeable, professional and navigates the process with patience, keen advice and regular check-ins/updates. Our situation wasn't straightforward and I doubt we would have been able to pull it off without the help of Sheena. Would recommend to anyone!"
We'd love to work with you
Arrange an appointment with us or send an enquiry - we're here to help. It's not every day you get a mortgage, so if you have a question, ask away!