Hi. My wife and I have recently been refused a mortgage with Nationwide as my wife is Australian and her visa is a 'spouse visa'. This means that she has he right to live and work in the UK but until September 2014 she does not have 'permanency'. Nationwide are claiming that as a result she is a risk as if we seperate before 2014 she will simply return to Australia. We have made an offer on a house, we have a 15% deposit and meet all affordability criteria. Any advice would be gratefully received as we don't know where to go from here. We have used a broker and he thinks we need at leat a 25% deposit to make this work...
I should add the house is a New Build but not in a New Build Scheme.
I should add the house is a New Build but not in a New Build Scheme.