UK Mortgage with CAD Income

If you earn in CAD, then Pinnacle Finance is on hand to help you secure an appropriate mortgage in the UK.

UK Mortgage with Canadian Dollar Income

Here at Pinnacle Finance, we have a team of experts at your disposal to help you obtain a mortgage deal from a reputable lender even if you earn in currencies other than sterling. So, if you happen to work for a Canadian multinational, for example, but reside in the UK and would like to find a mortgage that will allow you to buy property here, then we have the necessary experience.

Whether you earn exclusively in Canadian dollars or your income is made up of a mixture of GBP and CAD, we will help you to navigate the extensive mortgage market in the country. We can also help if you would like to process a joint mortgage application where one or both of you earn in Canadian dollars.

Do Canadian Dollar Earnings Affect Mortgage Availability in the UK?

The short answer is that all foreign currency earnings, including Canadian dollar income, can affect the sort of mortgage deals that you may be offered. Some lenders only want to deal with standard applicants which means that they might not consider you at all if you have income made up of Canadian dollars. Others may be willing to lend to you but only with certain types of mortgage products.

This is where our long-standing experience of the UK mortgage sector is so useful. We can help to narrow the search down to lenders with a track record of providing deals to overseas earners. Note that it isn’t merely your income level that will affect your ability to borrow from UK mortgage providers but international exchange rates, too. If the pound were to strengthen over the Canadian dollar, for example, then it may affect your ability to repay your mortgage, something that lenders will need to take into account. Again, this is why turning to the brokers at Pinnacle Finance can be so useful.

Mortgage Broker Essex

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Still Have Questions?

If you cannot find an answer you are seeking, then simply click the button below, or call us at 0208 125 3100, to get in touch with one of our mortgage brokers.

Depending on your circumstances you may have a wide selection of mortgage companies willing to offer you the mortgage you desire. With access to thousands of mortgage deals, our experts will find you the most suitable deal.

Yes, we have whole of market access. As we are an independent brokerage, and not tied directly to a group of lenders, we can access the full mortgage market. This exposure allows us to scour the market for the best lending arrangements for our clients.

Lenders can vary significantly in what they are willing to offer when assessing affordability. However, our team of expert advisors will thoroughly assess the market to ascertain your maximum borrowing potential, and will fully guide you along the way.

Our specialist lending proposition encompasses all aspects of mortgage broking. Our team of experts are true professionals in areas such as expatriates, foreign currency, high net worth individuals, large loans, and complex buy to let, just to name a few. This spectrum of expertise is what sets us apart.

How do wider financial circumstances affect mortgage borrowing with CAD income?

Not all residents of the UK who earn in CAD are employed. Some may be freelancers or contractors who happen to work for Canadian clients, for instance. If so, then your sole trader or self-employed status may also impact on your ability to borrow through the British mortgage market. The same might be the case if you have a poor credit history either in the UK or in Canada even though your current finances might be in good order. Whatever it may be, our success in matching borrowers to lenders means that all Canadian dollar earners should be able to secure a good mortgage deal through us.

What is needed to apply for a mortgage if you earn in Canadian dollars?

We will handle the legwork of securing a mortgage with multiple lenders, seeking financial products that will take into account your Canadian dollar earnings. To get the ball rolling, get in touch with us for a chat about your borrowing requirements today.

Get in touch

We understand that every circumstance is different, and having a bespoke touch is essential in understanding a case. This openminded approach is what creates a professional standard that we always uphold.

Our team of bridging loan specialists are available to discuss your individual requirements, so simply complete the contact form and we’ll be in touch shortly.

Here Is Just A Sample Of Our Reviews

As an expat of the UK, I was looking to remortgage my investment property situated in London. My broker at Pinnacle promptly found me a suitable lender, and an overall competitive deal.



Due to my complex employment situation and the time I spend outside the UK with work, I needed expert advice when arranging my mortgage. The team at Pinnacle duly provided this.


UK & Switzerland

We were looking to relocate back to the UK but had no idea where to begin. Our broker was immense at handling our enquiry and found us a great deal with a high street lender.

Elizabeth & Joel


I had an offer accepted on a holiday let in Scotland but was struggling to find a lender. I approached Pinnacle and they expertly found a mortgage solution that worked perfectly for me.



As a professional based in Dubai, I needed a specialist broker who could review my property portfolio. The results exceeded my expectations, and I would certainly recommend Pinnacle.



As Portuguese & French nationals residing in the UK, we were seeking a mortgage. We are both contracting, but none of this fazed our broker and they found us a mortgage that is perfect for us.

Joao & Anna