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any ideas re finance in england


frank

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we bought our house here outright 5 years ago and have had one problem after another, we have now decided to go back to England for a couple of years.We would like to buy a very,very,very cheap place in England if that is poss till we get back on our feet but keep the house here.We have no work records ie payslips which is necessary to comply with a mortgage in England,does anyone know of a way we could borrow against our house here,any thoughts??

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With the forthcoming and probable collapse of the pound, any borrowing in France from monies earned in the UK would suffer considerable downside exchange risk for probably the next year.

Personally, I'd rent in the UK until (a)  You both have reasonable jobs and (b) The presently negative housing market stablises and (c) The post Sub Prime etc fiasco settles down, since any new UK mortgage would be very difficult (if not impossible) or only obtained on hugely punitive terms with no solid work history.

New mortgages presently are not easy: and the previously laissez faire days of Self-Certification etc are over: until the next time, of course!

 

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