Partner now living in the US — can we still get a residential mortgage next year?
Hello, my partner and I own a flat in London valued at around £600,000–£650,000, with £360,000 remaining on the mortgage — giving us a loan-to-value (LTV) ratio of roughly 55–60%. My partner is now based in the USA, while I continue to live in the property under a residential mortgage.
I earn approximately £45,000 per year, and my partner earns the equivalent of around £164,000 per year. When it comes time to remortgage next year, will we still be eligible for a residential mortgage, or would we need to switch to a buy-to-let (BTL) mortgage and myself move out the flat?
Posted Oct 11, 2025, 7:37 PM UTC
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