The most important thing that the lender is going to want to see is that you will have permanent employment when you return. If this is still in the same field as you were previously in then the lenders will be happier about lending money.

You won't neccessarily need to be on the electoral role but I do agree that this will help your case if you are. If you have a mortgage in the UK already then you will have a UK address associated with that and this also means that with the payments made that you should have a reasonble credit score too....albeit you have got no residence for the last period of time that you have been away.

It is a tricky one but not impossible, the biggest threat to you will be proving you can afford the mortgage...ie you will need permanent employment. If you can, source a mortgage broker or financial adviser local to where you will be moving to and give them a quick call and go through the scenarios with them.

You will need a UK address and to get yourself on the electoral roll. You should also make sure that the correspondence address for your existing mortgage gets changed to that address as soon as possible. It takes a few weeks for records to get updated but I would expect that, once they are up to date, details of your currect mortgage will be shown in your credit record. My opinion is that, if you can wait for all these details to fall into place, you will be able to look at mainstream mortgages but it's a good idea to have an informal chat with an independent mortgage adviser before applying for anything.

Hi, I currently live overseas and am thinking of returning to the UK. I already have a property in the UK with a buy to let mortgage on it. When I return home, will I be able to refinance and be offered all the current available mortgages or will I be restricted as all my current employment and credit history is from overseas? Many thanks